davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Iam distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other or instrument bearing my signature.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the 30-day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. Thank you
Consumer complaint received 2021-02-09
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)

I was a victim of fraud and made a police report and I have disputed more than 15 accounts that do not belong to the 3 credit bureaus but I experience it is the only company that has not eliminated these accounts, I have been sending you a police report for more than 6 months personal information and they say they can do nothing if the creditor does nothing and that the creditors confirm that it is me. I have called the creditors but they say that they do not receive anything from Experian to dispute the account and that they do not have to certify to Experian that I am the owner of the account because they do not have a photo of my ID or any contract. This is hurting me and experian is not complying with the processes established by law. All the representatives give me different information and no one wants to help me
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

I received a text message from XXXX reading " Your Wells-Fargo Account has been placed on hold. Please review your-account here : https : //verify-accountwells-fargo.us/ I have no Wells Fargo account. 
So this seems to be some kind of phishing scam.
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I was scammed on out of XXXX, I sent a merchandiser money for a product that I never got. Before I XXXX XXXX the money I called Wells Fargo and asked them if I do not have my stuff will they refund my money the rep said yes. I put in a claim today and they denied the claim because the transaction was with XXXX XXXX.
Consumer complaint received 2021-02-09
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)

See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady at XXXX XXXX XXXX President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX XXXX will, as usual, label this complaint as a duplicate. I am relying upon Experian and XXXX to answer this complaint..
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

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 2023-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: West Realm Shires Services Inc. (VA)

West Realm Shires Services, dba FTX.US, and/or XXXX XXXX is holding cash funds that belong to me, without communicating in any way when they will return my funds. 
These funds represent 10 % of my net worth and are extremely important to me and my family.These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. I withdrew from my cash account balance via the FTX.US app, via 1 ACH transaction of {$7000.00}, to be sent to my bank account at XXXX  XXXX, following the FTX.US guidelines, instructions and terms of service on XXXX XXXX, ( 3 days prior to FTX.US declaring bankruptcy on XX/XX/XXXX ). At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts. Per my account on both the FTX.US website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. I have yet to receive my funds. 


The FTX.US terms of service clearly state that my U.S. Dollar account balances would be held for my benefit at U.S. Banks ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at U.S. banksTo the extent you hold USD fiat balances ( and such balances are not held in stablecoins or other investments ), those fiat balances are held in customer omnibus accounts at FDIC-insured banks ( XXXX XXXXfor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.
Consumer complaint received 2023-01-03
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. (IL)

These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX CARD. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (IL)

These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX XXXX. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE
Consumer complaint received 2023-01-03
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: AMERICAN EXPRESS COMPANY (NY)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. AMEX inquiry dated XXXX .Please remove these inaccurate inquiries off my report
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (MI)

I purchased a Ford XXXX from XXXX XXXX XXXX XXXX in XX/XX/XXXX through Ford Motor XXXX XXXX Part of that loan purchase was an additional bumper to bumper extendded warranty. 

Last summer ( XXXX ) I noticed the Ford step running boards were starting to have the bubble up and eventially paint peel off the aluminum. I read throug the extended warranty and found it did cover the running boards, so I first contacted the dealership on XX/XX/XXXX. 

After XXXX ( XXXX ) weeks, I received an email back stating Thank you for the inquiry. The XXXX corrosion warranty is limited to body panels, running boards are not included. Therefore, coverage can not be provided. Based on this information, replacement of the running boards to correct corrosion issues is non-warrantable. '' I proceeded to write the attached letter to Ford and included the email thread along with the photos the dealership required at that time. A few weeks went by and I received a letter from Ford agreeing with the dealership decision that it was corrosion. I argued that aluminum does not corrode, therefore this is a manufacture 's defect and I would like to be compensated for the cost of the running board and the labor to install it.
Consumer complaint received 2023-01-03
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. (MI)

XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX + Account Number : XXXX ( Partial Account Number ) XXXX + Account Number : XXXXXXXX XXXX + Account Number : XXXXXXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX + Account Number : XXXXXXXX XXXX XXXX XXXX XXXX + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Credit reporting agencies are not allowed to report items on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 1681 : 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 an account without my written instructions.

I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN 24-48 HOURS BUT INQUIRES ARE STILL THERE
Consumer complaint received 2023-01-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have already disputed XXXX XXXX XXXX on XXXX XXXX and it was successfully removed. It still shows on Experian. After a voluntary repossession, XXXX XXXX XXXX allowed someone else to keep the car and pay it off in my name. XXXX XXXX XXXX left this on my credit in good standing during that period of XXXX and XXXX. Once the debt was paid by whomever took over the car, XXXX XXXX XXXX negatively impacted my score. XXXX XXXX XXXX committed fraud using my credit to finance someone else for 2 years. I do not feel responsible for this debt and would like it permanently deleted with no negative impact. I feel like they stole my identity.
Consumer complaint received 2023-02-01
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. (NY)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX charged me {$5700.00} on my Bank of America Visa credit card. I disputed this charge with Bank of America, who re-charged my Visa card on XXXX XXXXXXXX XXXX {$5700.00}. I requested a credit refund slip from XXXX ' accounts manager, XXXX XXXX XXXX, who said he would love to issue a credit refund but that Bank of America has NOT paid XXXX anything and there is nothing to refund. However, this {$5700.00} amount remains on my credit card account and Bank of America wants me to pay them {$5700.00} for nothing, which is FRAUD. I have NOT received any merchandise, goods, or services from XXXX and there is NOTHING to pay for. This {$5700.00} charge needs to be REMOVED from my Bank of America Visa card bill along with any interest amounts charged to my credit card.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (IN)

I went in to BMO HARRIS BANK to reopen an account with them. They closed my account back in 2019 for being overdrawn for too long. I was out of work and couldn't pay balance. 

I just learned XXXX XXXX that account was closed due to fraud. I asked them to explain fraud and they said I put a fraud check in my account. Which was inaccurate. The check I deposited was from the person. He didn't know they was in the process of closing his account when he wrote me the check as I just found out. They sent him a check with the remaining balance that was in that account and returned any checks he wrote stating account was closed. I explained this to bank representative in location and over the phone but they keep telling me its fraud because I put it in my account and I nor did he know his account was being closed. So NO fraud was committed on this account.
Consumer complaint received 2023-02-01
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: CITIBANK, N.A. (AZ)

When I discovered my XXXX XXXX dropped XXXX points I looked to find out why, because I worked so hard to not be late and keep my credit score high and pay my revolving accounts on time. I discovered I owed {$14.00} to XXXX XXXX and I paid it immediately, then I requested the account be closed because I didn't want this to happen again. I contacted XXXX XXXX by phone and they discovered they had the wrong address on my account, and I never received a bill. I asked them to contact all 3 credit bureaus to request the delinquent status be removed. They assured me they put that request in. I also disputed the delinquent status with all 3 credit bureaus. It appears that XXXX and XXXX removed the 30 to 90 day delinquent status but XXXX refused to remove it from my credit report, statingThe credit reportsme delinquent. It was only {$14.00} and I never received a bill. So to have my XXXX XXXX severely affected XXXX point Negative seems extremely excessive. appreciated.
Consumer complaint received 2023-08-10
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 have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( XXXX, XXXX AND EXPERIAN ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : 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