davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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)

I trust this message finds you well. I write to express my serious concern over a number of inaccuracies currently present on my credit reports from XXXX, XXXX, and TransUnion. 

In reviewing my latest reports, I have found several credit inquiries and false late payment reports that I did not authorize or participate in. They include : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries and inaccurate late payment reports are not only misleading but also have a detrimental effect on my credit score, inhibiting my ability to utilize my credit. This situation is both frustrating and unacceptable.

I have previously raised disputes with each of the three credit bureaus and provided supporting evidence to substantiate my claims, but the inaccuracies still persist. This letter serves as a formal request for the immediate rectification of these discrepancies. 

In accordance with the Fair Credit Reporting Act ( FCRA ) [ 1 ], I have the right to dispute these inaccuracies, and I am asserting that right today. Furthermore, the FCRA dictates that all consumer credit information should be fair and accurate, and currently, mine is not. 

I kindly request that you conduct a thorough investigation into these matters. I am confident that this investigation will validate my claims and lead to the immediate removal of these unauthorized inquiries and inaccurate late payment reports. 

A written confirmation of these changes would be appreciated so that I can verify the corrections on my end. 

Your prompt attention to this urgent matter is highly anticipated. I am hopeful that this can be resolved quickly to alleviate the negative impact on my credit standing. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-27
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. (MA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-08-01
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance Owed : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX # XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (IN)

I have called self several times in the last few months about my CLOSED credit card account. Self is reporting to the credit bureaus that the account is open and I owe {$170.00}. I am being told by self i only owe {$80.00}. It is also reporting as a late, open account although it is closed. I have asked them to fix my credit reporting and it has not been done. I have also filed several CFPB complaints as well as disputes with the credit agencies. All are being ignored and verified as accurate when CLEARLY no one is even bothering with the account. 

15 U.S.C. 44, as defined in IRS Publication 583, requires an explanation and resolution of the issues presented in the billing statements. I request access to both the account 's journal and credits, as well as the ledger and debits, to verify the current accounting and taxes related to this account. I want proof of who validated the debt and what method was used, proof of my contract with my wet signature, and put this account in do not pay, do not collect status with a billing error. 

Regarding 15 U.S.C. 1666d, if there is a credit balance exceeding {$1.00} in accordance with IRS Publication 583, it should be promptly credited to me as the consumer by check. This is a formal instruction under 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, including books of account as per 15 U.S.C. 44, to resolve this billing error. 

Furthermore, I am aware that under Title 15 U.S.Code 1666 ( e ), the creditor has legally agreed to forfeit all rights to collect on all past, present, and future disputed amounts when resolving this billing error. 

I hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant to 12 CFR 1026.13d ( 1 ) and hold the creditor liable under 15 U.S.Code 1693m. 



Additionally, per 12 CFR 1026.13d ( 3 ), the creditor must not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised their rights under this section. Failure to comply may result in forfeiture penalties under 15 U.S.C. 1666 ( e ). 

In compliance with Regulation B 12 C.F.R Subpart B " Requirements Remittance Transfers, '' I have made a genuine effort to settle the disputed amount. Unfortunately, this attempt was rejected, leading to a discharge of the obligation to the extent of the amount tendered, including any liability of indorsers or accommodation parties, in accordance with UCC 3-603. 

Lastly, it's crucial to understand that under 18 U.S. Code 8 - Obligation or Other Security of the United States, the term " obligation or other security of the United States '' encompasses a wide range of financial instruments relevant to this matter, emphasizing the serious implications of non-compliance.
Consumer complaint received 2023-08-01
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

From what I understand Bank of America suspected fraud with my checking account and put a freeze on my account on XX/XX/year>. I was not aware of this until XXXX  days later when I attempted to purchase for my car and my debit card was declined. I immediately contacted BoA and was advised about the freeze. The only information that I received on that date and to the date of this complaint is that there is an investigation. The investigation will only allow funds to be received, but nothing going out. At the time I had either {$340.00} or {$430.00} in my account. On XX/XX/XXXX or XXXX the IRS deposited my tax refund of {$5400.00} in my checking account that is frozen. That money was then transferred out without my authorization or advance notice. I have contacted BoA several times to find out what's going on way before my money was transferred and after to no available. Every single person that I have spoken to, which includes at a branch office, consumer department, checking account department, and department tell me that once the investigation/review is complete nothing can be done. If my account is under investigation why was my money transferred before the investigation/review is complete. It is unethical to just take a persons money without authorization. I want my money back immediately until they can speak to me. I was told someone would call me on XX/XX/XXXX and never received a phone call. BofA is not being fair and the way they are handling this is highly suspicious of fraud on their end. 

UPDATE : I provided BoA a police report number that I was told to get from XXXX  per XXXX with Merrill Lynch or BofA to get my money bank. I visited a branch and was told a claim would be reopened and the police report would be included. I followed up by phone and was told the claim was never reopened. The only claim that was open, which I never knew about initially, was closed. Bank of American sent me a check for {$15.00} XXXX weeks ago. No other money has been sent to me. If I owe BofA or Merrilly Lynch why send me any money regardless of the amount?
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I made an over the counter check deposit on XX/XX/23. My receipt and the teller stated that funds would be available the next day. The FAQs on the website also state that any holds placed on a deposit would be stated on receipt. My receipt said no such date of any hold only a credit that would be available XX/XX/23. This check is from the XXXX, upon speaking with BOA reps I was told that XXXX is standard check cashing policy. My mobile app says XXXX. I am late on several payments, and services have been disconnected. I could not eat lunch, while working to build a highway out of town. I have been embarrassed by multiple decline messages. I was unable to cash my paycheck due to insufficient funds. My mobile app is showing my check deposit as a negative. I have had to take out loans to buy my children school clothes etc., which has caused a breakup between myself and significant other. Multiple fees and amounts have been taken from account in the past. I have the bank statements to show where I was scammed and reported it before any transaction and BOA let someone in my account and made me pay for it. Help me please, and Thank you in advance.
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (AZ)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-08-01
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. (MO)

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts.

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (NY)

I got an alert that a credit inquiry was made.. this was not me. 

I reported this to XXXX  ( credit ) and to wells Fargo ( bank through which the credit was requested ) Seems like identify theft Was asked to open a ftc.gov report.. I was then directed here.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

15 usc 1681 604 ( 4 ) 2. In accordance with the written instructions of consumer to whom it relates. 15 usc 1681 602 ( a ) 4 .there is no need to insure that consumers reporting agency exercise there grave responsibility with fairness, impartiality and respect for consumers right to privacy. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (NY)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (ID)

Was given offer for platinum Card with offer of XXXX points after {$8000.00} spend. Was never notified at time of application or otherwise I was not eligible. Spent over {$10000.00} but did not get bonus points. Called in and was told because I had an Amex XXXX XXXX card 5 years ago and my wife had an Amex delta card about that time that were closed, it makes me ineligible for bonus. I have appealed this twice and declined both times. Last case number with Amex is XXXX T

hey refuse to let me speak with anyone higher up and state they are the final word which I know not to be true. Further their own literature states this only applies to cards of same type. I currently hold a platinum card which is basis of dispute. Prior cards over 5 years ago were lower tier branded amex cards- mine a XXXX XXXX  amex and my wife a Delta gold amex.

I would like for them to honor my meeting requirements for spend for the XXXX points.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/2021 I was denied the option to access my account, order a new card, and file a dispute. Being told there was nothing I could do I did just that. Bank of America restricted me from accessing my XXXX benefits. There were several occasions I attempted to access my account, but the representatives in the company back then were rude and never helped my requested services. I went into the bank and they informed me that they do not deal with unemployment XXXX, Bank of America accounts. After getting financial advice, and being informed that I could still file a claim for those funds I called in XX/XX/XXXX to get information on how to file a claim and dispute the transactions that had been done from XXXX. Being assisted by a representative in the claims department i began a dispute went through the verification process and XXXX minutes after the call began I was disconnected. I called in a second time went through the motions of verification process again after the verification was excepted I was able to update phone numbers and add other information as far as Security questions and email addresses and XXXX minutes into the call the call disconnected. I called in a third time I went through the updating of the number and the email. I answered the security questions and when the verification process was about to begin, I was told that the system is not allowing the verification process to be done, and I have to go into the bank and show XXXX forms of ID. I inquired on what I was supposed to say when they ask or informed me they dont deal with XXXX and I was told not to tell them I was being verified for XXXX. Just let them know I was being verified for a prepaid card and they wouldnt know what to do, I was on the phone for a total of about an hour and XXXX minutes and this is similar to the issues that I went through back in XXXX when I decided not to continue the banking relationship with them. I want to file a claim that Bank of America is still Denying XXXX customers access to their funds. My funds were stolen from me, and Bank of America is ensuring that this process is time, consuming and frustrating, and I am being made to jump through hoops to file a claim. It should never, and has never with any financial and institution, been this hard to resolve a dispute.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023 {$5100.00} was used from my debit card that i did not authorize. Upon realizing that my card was missing and all my information was hacked i called wells fargo and changed all of my banking information and changed all the information within my phone. Wells fargo has denied the claim because a chip and pin was used but i already told them when they called to get more information that i did not share my information with anyone and it was compromised. They then claimed to have called XXXX and said that XXXX stated XXXX are hard to hack into. Which is also false, they also said get proof from the merchant and they will open it again, i tried and have nothing. They said stated that i deposited the money the day before which i did so i can pay my bills, which has nothing to do with my now missing money. I took all the necessary steps and still no help from wells fargo.