davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had Fraud on my bank of America card, high end restaurants and a few other things. 

They also mistakenly put 2 disputes in there and used that as a reason to deny the fraud claim. 

XXXX XXXX XXXX and XXXX XXXX are DISPUTES with the merchant not Fraud. 

Unauthorized charges they decided to claim were " Valid '' and when I did a second review said if I did more my account would be terminated. 

So a client can't report fraud or they can lose their account?? no wonder Fraud is up, they almost welcome it and treat the Victim like the crook. 

They have since deleted the claim off my profile so I dont have a claim number, they are being very under handed here.
Consumer complaint received 2023-05-16
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. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (TX)

In the year of XXXX  I was stationed in XXXX XXXX, Ca. At the time I was living at XXXX XXXX in XXXX XXXX, Ca. I received orders to transfer which caused me to break my list. There are military orders that were given to the complex and they said they would honor them and break my list to no cost to me. When I got moved, I received a letter stating that I owed them over {$9000.00} for my lease. I called and told them that i gave them my orders as well as the federal orders that lets servicemen and women the ability to break their leases when given new orders. They declined them and told me I had to pay the entire amount or half of the amount.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX I used my American Express to purchase an item for {$430.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX XXXX While the store employee named XXXX still had my card, another two employees took me into a back room, gave me alcohol, used a light wand on my face, then took pictures of me. During the time XXXX still had my card she made {$9800.00} worth of further purchases to my card, unbeknownst to me. 
When I returned home to find a single receipt for my {$430.00} purchase, plus multiple items I did not purchase in my bag I checked my online account and found the extra charge for {$9800.00}. I did not know about this charge or the extra items. I returned the unopened items still in their shrink wrap to the store. I did NOT purchase these items, I did not authorize the charge on my card, and I do not have the items. American Express is still holding me accountable for the {$9800.00} because I gave my card to the employee to purchase an item for {$430.00}. I was completely unaware of the extra purchases for {$9800.00} made by the employee XXXX while I was in the back room. This is XXXX!
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (FL)

I am submitting this letter to request the immediate removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the prompt deletion of these accounts and information from my consumer report, as their continued presence violates multiple laws. Please take immediate action to remove these accounts and associated information without delay.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Dear Sir of Madam, On XX/XX/2023, we paid off our mortgage from Truist Bank, Loan Number XXXX. On XX/XX/2023, I called Truist bank, spoke with a XXXX to pay off any balance amount for getting a lien release. She told to download the payoff statement that showed a 'Total amount due to pay loan in full : {$200.00} ' with an interest of XXXX cents ( {$0.00} ) per day. Instead of taking the payment over the telephone, XXXX insisted on wiring the funds to them or pay by non-existing escrow account. According to the payoff letter/statement, there was an option to pay by mail. 

On XX/XX/2023, I mailed a check for {$200.00} along with payoff statement with 6 days of interest ( XXXX cents ) to allow for the mail delivery. On XX/XX/2023, I called Truist XXXX  and spoke with a XXXX who acknowledged receiving the check, but said that it was returned to me as they received it late ( Check was stamped on XX/XX/2023, after about 7 days ). He said that the payoff amount increased to {$740.00} without explaining how {$200.00} jumped to {$740.00} even though check was mailed on XX/XX/2023, with additional interest payment for 6 days till XX/XX/2023. When I explained to XXXX that I had no control on mail delivery and paid additional interest to cover the days, he did not have any answer and insisted on payment of {$740.00} and told to file a complaint ( XXXX XXXX. XXXX ). Reluctantly, I paid {$740.00} over the telephone, expecting that Truist would resolve the issue and refund us the extra payment of {$530.00}. 

Unfortunately, we did not receive any refund nor response nor follow-up as promised by a supervisor XXXX who XXXX had discussed with previously. 

On XX/XX/2023, I wrote a letter to Truist Bank regarding this error. Today, I received a letter from them stating that because the payoff was received on XX/XX/2023, the amount was changed to {$740.00}. There was no explanation regarding how XXXX cents per day interest would generate the difference of {$530.00} in one day. As you can see, we paid for additional 6 days of interest. 

We have reasons to believe that Truist Bank has overcharged us to enrich themselves and defrauded innocent consumers like us. 

Please take necessary steps to refund our money. 

Thanking you, Yours Sincerely, XXXX XXXX.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (IL)

I sent a letter on XXXX XXXX to experian. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (GA)

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : 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
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TX)

Equifax, please explain how you are reporting the account XXXX XXXX XXXX as accurate when XXXX does not report this account and XXXX isn't reporting any payment history. You have 7 late payments, but when I contacted the creditor, they gave me different information. If you can not provide how you are reporting this account per FCRA then please remove the late payments and update this account to closed with no lates.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (TN)

I purchase a refurished XXXX XXXX on XX/XX/XXXX my Pay Pal Credit. The phone has never connected to my XXXX in my auto. Also people on the other end of the phone line can not hear me. First, I thought it was the building, I then purchase a XXXX and I have no problem. I file a dispute with XXXX XXXX back in XX/XX/XXXX. They denied the dispute. I have appealed the dispute twice. They still denied it. 
I sent a letter from XXXX XXXX sales manager, explaining to them that the phone had issues, the phone would not pair to my vehicle. I also sent the sales receipt showing that I had to purchase a new XXXX cell phone. The appeal still was denied. I am shipping the phone back to Synchrony Bank. I will not continue to pay for the cell phone. 
I car would not start at my job. I tried call an individual, they were on the other end of the phone line, yet could not hear me talking to them. This phone was left outside in the winter weather, it was days before I discovered that the phone were hidden in my flower bed. Therefore the box was wet. I will be shipping this phone back to Synchrony Bank.
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have noticed on my credit report from chase that two loans were taking out falsely in my name for vechiles Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit acceptance corp on XX/XX/XXXX  I reached to the credit department from chase to help me identify the companys and report with the companys that it was fraud. Loan one was reported and taken off my report. loan 2 needs documentation and verification from an FTC report or police report to go further.
Consumer complaint received 2023-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

There is a debt showing on my credit report that was sent to I.C. Systems, Inc with ATT XXXX {$820.00}. I spoke with this company and let them know that this was an action of identity theft! They gave me all information which will be below regarding who, when, and what address this was taken place. I was told to do a police report and an online report with there company to get it resolved and taken off my credit. 

XXXX ( debt collector contact number ) XXXX ( debt amount ) XXXX XXXX XXXX XXXX Alabama XXXX ( address of service being used ) XXXX ( account number ) XXXX ( person who stole identity email ) XXXX XXXX ( date account opened ) XX/XX/2017 ( date account closed )
Consumer complaint received 2023-05-16
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. (SC)

Today, XX/XX/2023 I received a correspondence through mail pertaining to my initial identity theft dispute submitted on XX/XX/2023. The letter states my initial claim is missing essential personal identifying information or account specific information that would allow the completion of my request. Below I have attached all required documentation pursuant to FCRA 605B including but not limited to the FTC report ( report number : XXXX ), I.D., social security card, identity theft cover letter, utility bill, and the official TransUnion Identity Theft Victim Assistance Affidavit. Accounts disputed : XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX
Consumer complaint received 2023-05-16
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: Bread Financial Holdings, Inc. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (MN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX  XXXX Balance Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$890.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$4800.00} ; XXXX XXXX  XXXX Balance Owed : {$27000.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00}.
Consumer complaint received 2023-05-16
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. (CA)

I did not authorize or benefit from any of the listed inquires. I also noticed 4 fraudulent accounts reporting to my consumer report. These accounts are reporting fraudulently to my consumer report because I the consumer gave no written instruction to any company to report anything onto my consumer report. This is a direct violation under title 15 U.S.Code 1681b ( a ) ( 2 ) and need to be blocked and deleted immediately.
Consumer complaint received 2023-05-17
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. (MI)

Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the XXXX XXXX standard is a common format for reporting credit information. Banks and other lending institutions use the XXXX XXXX standard to report information to the CRAs. The goal of the XXXX XXXX standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The XXXX XXXX standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and XXXX XXXX standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty
Consumer complaint received 2023-05-16
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. (CA)

Due to a breach from XXXX ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information
Consumer complaint received 2023-05-16
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)

I asked the credit bureaus to do verification in everything in my credit report and they did, stating that everything was accurate. 

I did a research myself and found improper inaccuracies on my credit report even after they did a careful research.