davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Experian to confirm the disputed account and take out if unable to show that the account is mine. I have been a victim of Identity Theft and the account I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please delete the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I Contacted the bank a few months back about a debit transaction for an unauthorized amount over XXXX for a Jewelry Store. I don't even wear jewelry!!!! The name of the Merchant was XXXX XXXX or something of that sort. I asked that the bank investigate this and return my funs. The bank once again after all the negative press this bank gets for fraud and scams did not resolve the issue. Basically Told me I was the one who authorized this and I did not. I asked what were the determining factors and the rep started to stutter and of course made up a lie that they would send the details of the decision in the mail. At this point I want my money back from this joke of a bank. Ive been a customer since XX/XX/2009 and have over XXXX sitting in that account plus more at another institution. Im going to blast this bank all over the net and make sure people know not to do business with them and that their money is not safe here. The bank closed and reissued the card for fraud. But won't charge back my funds, this is crazy.
Consumer complaint received 2018-04-05
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. (NV)

I opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.
Consumer complaint received 2018-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

After paying Satander USA for nearly 3.5 years on a contract/agreement that I signed for a XXXX used XXXX XXXX back in XX/XX/XXXX. I thought I was honestly doing something good because at the time I put down {$1000.00} and I had a co signer. But the company took advantage and after nearly 4 years the told me I still owed almost {$12000.00}. The vehicle at the time was {$12000.00}. Keep in mind it had nearly 90,000 miles on it. Since doing a voluntary repo on the vehicle Santander has been reporting inaccurate information to the credit agencies. I havent been able to get the company removed from at least 1 credit agency. They had made it nearly impossible to do anything because for the longest no company would finance me for anything. It seems they had hidden fees that we didnt know anything about. Obviously after signing a 48 month contract with them and having the vehicle for nearly 3.5 years and still owing the original price for the vehicle something is going on. The company should be shot down and anyone with issues should be some type of harassment settlement. They called even after doing the voluntary repo in the vehicle to me and my co signer telling us that they would begin garnishing our wages and making threats to us both. I didnt know the laws at the time and that was after we gave the vehicle back.
Consumer complaint received 2024-10-10
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. (PA)

after dispute and investigation of this account- XXXX XXXX XXXX XXXX XX/XX/XXXX it was deleted on XX/XX/XXXX. Without notification and evidence of the account it was reinserted onto my credit report. This is a direct violation of the FCRA ( XXXX XXXX XXXX XXXX ) which is affecting my ability to secure a mortgage and needs to be deleted immediately.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my fourth attempt and request to have public information removed from my credit file. There is a chapter XXXX  bankruptcy listed on my public TransUnion credit report that I have requested several times to be removed. Both XXXX and TransUnion have removed this account. It has also been confirmed that the U.S. Bankruptcy courts and PACER does not and will not verify such accounts ; therefore the account has not been verified and XXXX, the system in which the credit bureaus use to verfiy information is not the correct method of verfication.

Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT.
Consumer complaint received 2018-04-05
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. (AZ)

On XX/XX/XXXX I sent certified letters to Experian Information Solutions Inc. regarding 21 negative items reporting on my report, asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both Experian my request all together and did not provide verification. In XX/XX/XXXX I sent certified letters to Experian and explained to them that I previously requested verification documentation with original agencies and received no response. They opened up a new dispute on XXXX XX/XX/XXXX, After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. In XX/XX/XXXX I sent certified letters and explained I did not receive correspondence in the mail. I asked to get a copy of the alleged verification and was denied. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and Experian has failed to provide the information requested. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract ( a consumer contract with my signature on it ) - any and all accounts they post on a credit report. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply and they have not complied.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The account is reporting incorrectly. There is an auto deduction from my pay twice a week and it is impossible for this file to be in this status. I'm requesting for this file to be changed to current and paid as requested. 
Here is a copy of proof of the deductions. 

XXXX From : XXXX > Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX XXXX Subject : Garnishment Payment Notice XXXX XXXX XXXX XXXX XXXX Garnishment Payment Notice Hello, A payment in the amount of {$520.00} has been deducted from your paycheck dated XXXX, for a Child Support. This payment will be sent to XXXX XXXX XXXX, XXXX, ALABAMA, XXXX via a/an ACH. 

If you have questions regarding the validity of the order or obtaining a modification or release, please contact the agency directly : ALABAMA CHILD SUPPORT PAYMENT CENTER Garnishment information is now available online on XXXX XXXX now XXXX Use registration code : XXXX Already registered Login XXXX  How to register and benefits of XXXX? 

Have questions about your garnishment? Chat support is now available 24x7 with XXXX 's Virtual Assistant. 

XXXX Link will expire on XX/XX/XXXXXXXX  Regards, XXXX  This is an unattended mailbox-please do not reply. If you do not wish to receive further updates from XXXX about your wage garnishment via e-mail, click here to unsubscribe. 

You are receiving this e-mail because your employer receives garnishment services from XXXX. Please note this is a service communication and you may continue to receive service communications as long as you remain an employee of an XXXX client. This communication does not constitute legal, tax or other professional advice. This communication and files within it are confidential and are intended solely for the individual to whom it is addressed. If you are not the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please contact XXXX at ( XXXX ) XXXX. 



XXXX, the XXXX logo and XXXX XXXX are registered trademarks of XXXX XXXX XXXX XXXX  A more human resource. is a service mark of XXXX XXXX XXXX All other products are the property of their respective owners. Copyright XXXX XXXX, XXXX All rights reserved. All rights reserved.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IN)

On X/XX/2017 I went into the Chase Bank branch located at XXXX XXXX XXXX , XXXX, IN XXXX to open a Chase Ink credit card and accompanying Chase Total Business Checking account. At time of opening I provided a coupon which was mailed to me by Chase, offering a {$300.00} bonus for the opening of a Chase Total Business Checking account. When the bonus had not posted weeks later, I contacted the branch. This branch proves extremely difficult to reach, as they never answer the phone, and have no voicemail system. On the 11th attempt, my call was answered. I asked why the bonus would n't have posted, and was told that no coupon was attached to the account opening. After reaching a dead end with the banker I worked with, and the branch manager, I contacted Chase corporate. In so many words, they told me that the branch where the account was opened would have to remedy it, but that they were sure they would. I tried contacting the branch again, to no avail. A few days later, my personal banker assigned to me by Chase called me to check in and ask if there was anything I need assistance with. I told him about this issue I was having with the bonus not posting, and he promised to look into it. After doing some research, he called me back and informed me that he regrettably was unable to do anything on his end. At this point I escalated the dispute with Chase corporate, and received a call back from XXXX. She promised to look into the matter and to contact the branch on my behalf. After a few calls back and forth with XXXX, she informed me on XXXX that the branch was refusing the honor the coupon, claiming that I did not produce the coupon at time of opening, which is not accurate. I have a photo of the mailer I received and which I provided at time of account opening. The mailer clearly states the coupon code and bonus amount. I would be happy to email a copy of this photo to all concerned parties.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I want to report the way Equifax calculates a credit score. Every tip and advisement tells us to pay off or pay down credit cards. However, when I do so, my credit score goes DOWN. I paid off one card and my score went down XXXX XXXX. Since these reporting agencies hold so much power over our financial lives, I want to report and keep reporting until this kind of calculation is fixed. If I'm trying to raise my credit scores and I'm financially responsible, I should NOT be punished for it. 

We need to limit the power and influence of these reporting companies.
Consumer complaint received 2018-04-06
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. (IL)

OnXX/XX/XXXX I initiated a dispute with Experian requesting a method of verification for two erroneous accounts that were " verified '' as belonging to me. Pursuant to my consumer rights with the FCRA, I have a right to an explanation and description of the procedure used to determine the accuracy of your XX/XX/XXXX and XX/XX/XXXX investigation. This is pursuant to the Federal Credit Reporting Act section 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of Investigation Procedure. In addition, pursuant to this law, Experian had 15 days to respond.

Today, XX/XX/XXXX, would have been 15 days therefore I called Experian to check the status of my " Description of Investigation Procedure '' dispute. I spoke to a representative and a supervisor who both stated no letter has been generated as it relates to my above dispute. In addition, neither representatives had any knowledge of the above FCRA law. They both stated my XX/XX/XXXX was put in a 30-day dispute. I told them pursuant to the Federal Credit Reporting Act section 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of Investigation Procedure my dispute should have been put into a 15-day dispute. They were both clueless and had no idea what I was talking about. They were no help at all and not privy with FCRA consumer rights. XXXX, a supervisor at Experian, went on to say my letter mentioned nothing about a method of verification, which is a bold face lie. My letter was very clear with what it was intended for. I attached it to this complaint. It's clear as day!

Experian received my Method of Verification dispute on XX/XX/XXXX. By law, they were supposed to respond within 15 days, which would beXX/XX/XXXX. Instead, they put my dispute into a 30-day dispute which will be resolved by XX/XX/XXXX according to both representatives I spoke to. I feel Experian is being noncompliant and negligent in this matter which has caused me major undue emotional and financial stress. My next and final step will be to file a civil lawsuit in my county if this matter is not resolved immediately! I am a litigious consumer and my husband is a XXXX XXXX XXXX in XXXX, XXXX county. I am done playing this game with you EXPERIAN! They are destroying my life by reporting erroneous accounts.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent INQUIRIES in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these INQUIRIES. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

On Saturday, XX/XX/year>, my husband an I arrived at XXXX XXXX XXXX in XXXX, AL. We were there for maybe 20 minutes. We talked about finding a vehicle on their car lot, but never found one we were interested in. We did not test drive any vehicles or make any deals. There sales professional we spoke to was XXXX XXXX. He asked me for my social security number so he could preload it in his computer in case we decided on buying a vehicle. A few days later I checked my credit on XXXX XXXX and learned that he ran my credit and gave me a hard inquiry, which I did not authorize. I called the dealership and spoke to the manager on XX/XX/year>. I told him what happened and that I would like someone to have this hard inquiry removed from my credit. The manager said he would figure it out and give me a call back. I have not heard anything else from him. This company has shown no inititive to resolve this matter and their fraudulent processes. I called Equifax today, XX/XX/year> and filed a dispute online to have this removed. I would like to file a complaint on this company for running my credit without my permission.
Consumer complaint received 2024-10-11
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. (CA)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  account. 
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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2018 I would like to file FORMAL COMPLAINT AND GRIEVANCE against XXXX XXXX and " XXXX '' at the Bank of America branch XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

He is unquestionably the RUDEST and most obvious arrogant, & evil person in the banking industry and should be terminated immediately!! 

( I usually bank in Florida. ) While visiting family in XXXX XXXX, I went to this branch to make a {$2000.00} cash deposit. I waited in line. He said they would only accept an ATM or drivers license. I didn't have those with me but had my passport. Then XXXX was taking a very long time with an drive thru customer. I was the next customer and asked XXXX to help me ( as he was waiting on customers ). He refused to help me, didn't allow XXXX to help me, and refused to accept my cash deposit. At minimum, he should be seriously reprimanded!! I request a REPLY and action to be taken. 


I have been a customer with Bank of America since it was XXXX XXXX. My family has huge amounts of money at BoA. We can easily move to one or more of the innumerable much more professional banks!! 


The behavior of XXXX XXXX ( and his subservient XXXX who refused time accept my deposit unless XXXX said it was Okay, was positively despicable and deplorable!!!