davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
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. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Inquiries 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 2024-09-28
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-09-28
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. (CA)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-09-28
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: Experian Information Solutions Inc. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-28
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: Experian Information Solutions Inc. (MN)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2015-05-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (TX)

They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several names listed on my credit report and they are not correct. I need them to be removed from my credit report, also there are addresses that are not correct listed on my credit report and i am requesting them to be removed 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
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (IL)

I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$560.00} with BARCLAYS BANK DELAWARE I did not sign a contract with BARCLAYS BANK DELAWARE and I didnt receive Verification of the debt via the original Contract Account number : unknown i was listed as an authorized user to an account belonging to. I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : BARCLAYS BANK DELAWARE Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. BARCLAYS BANK DELAWARE has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). BARCLAYS BANK DELAWARE is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

For background, I have a number of CC that are mostly paid off every month if used at all and a perfect payment record on credit report and generally extremely good credit. I have had a Citi Bank Shop Your Way CC since XXXX  and it is one of my favorite cards to use for daily needs due to the bonus points and special rate offers they frequently send me. I happen to see the request for credit increase listed in the online portal and figured since I hadn't done that for this card in a long time I would request an increase. I normally do this for most of my CC periodically or the company automatically does it since I am an excellent customer. My request ( much to my surprise ) was immediately denied and then I got a message on XX/XX/XXXX saying it was due to " Unsatisfactory existing account payment history ''. This seemed odd. I called both the number on the paper and the number on the back of my card and talked to at least 3 people for over an hour and they couldn't give me much info, but they didn't see any late payments or anything in system. I was worried that someone had an unauthorized account under my name or something! Then next day on XX/XX/XXXX I get another message that the " system '' performed a review of my account and with no warning closed my account of 6+ years claiming " one or more occurrences of late or returned payments in the last 6 months ''. I immediately called and spent another hour on the phone trying to figure out where the heck they came up with that. Cycled through multiple unhelpful people ( probably more like a useless automated system that didn't let them do any customer service ) to a manager. She a least showed some concern but still said there was nothing they could do as it was an automated system review and the system rules did not have an override or any possible oversight. She concluded that 4 months ago I had 2 extra principle payments scheduled on the same day ( way over minimum required monthly payment that was already satisfied ) that got " returned ''. The only reason that happened is the scheduled payment account they were linked to had been shut down by XXXXXXXX XXXX fraud dept in an abundance of caution at the same time frame the payments were scheduled so the payments were " returned ''. Manager was nice enough to at least tell me she filed my complaint against the system, but I am not sure if she really did or if that helps anyone as there was no reference and she said it was internal use only. Really sucks to cut ties with a perfectly good customer and I find this to be a horrible business decision. And the fact that they can even do that with no human review from bank agent should be illegal, and who knows, maybe it is!
Consumer complaint received 2024-11-21
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America and XXXX must be fined by CFPB and Criminal charges against employees must come down from the top. They lie like XXXX going north and this is a brand new issue I just got by mail a letter from boa dated XXXX and has only been shared against " XXXX XXXX COMPLAINT YESTERDAY '' on the CFPB feedback page. They all talk to you XXXX XXXX corner criminals if you got a lot of money mishandled by them but " NOTE '' your false statements you make now are atop of already confessed testimony by fatic in CFPB # XXXX that this is mortgage fraud. That after boa lying over 10 years to me that nothing is in account XXXX XXXX XXXX XXXX nothing is in the account and I have at least XXXX XXXX XXXX at Michigan XXXX the last 15 years but never paid a dime. The letter clearly states you have {$580.00} consists entirely of interest and upon my call XX/XX/XXXX at XXXX XXXX are told to go to a window teller center and get verified XXXX pieces I'd and they will give you check. I arrived at XXXX on XXXX XXXX XXXX in XXXX XXXX Michigan and the lady inana at the window lied saying it's to late you must set an appointment " ANGRY '' I left. Around XXXX on XX/XX/XXXX I go to XXXX mile east point Michigan XXXX and the window male referred me to tall XXXX XXXX XXXX  and she explains with my identification to prepaid department and disappeared. The guy in Arizona tells me he will mail the check to me and at some point changes his mind that he got ta transfer me. So then on a XXXX way I ask where did you transfer me to and he says check issuance Clearly they got the " GAME PLAY '' all figured out. So they tell me NO that is not interest that it is money from XXXX but that I will get it in XXXX business days. XXXX has the authority because all this is about concealing all my benefits from me after committing mortgage fraud by bank of America XXXX from XXXX XXXX XXXX XXXX a cover up with loan XXXX and by boa XXXX whom at least XXXX boa employees told me in XXXX that XXXX shifted XXXX XXXX claims of mine to her friend in California XXXX XXXX XXXX and they say she got in trouble for that. Then to cover up fake doctor XXXX XXXX XXXX cashed to chase escrow account checks in my name into business account XXXX XXXX XXXX they trying to conceal that to and leave me at XXXX dollars. Several criminal frauds these are the kind of frauds that the politicians in Washington go and do XXXX and 30 years in prison for that the are relaxed at. XXXX XXXXXXXX # XXXX.
Consumer complaint received 2024-11-21
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: First Advantage LNS Inc. (TX)

I have a Balance from my previous residents It is showing on my Credit that I have a balance due for XXXX which is not true, I was told it would XXXX that I would like to discuss payment plan, which I have not been given that option, this information has been reported, However when I sent to XXXX XXXX it was not resolved.
Consumer complaint received 2024-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (NY)

In Fall XXXX, I requested and paid for genetic testing through XXXX XXXX. I paid {$1300.00} for their services. 

In Spring XXXX, EASTERN ACCOUNT SYSTEMS sent me a written note and began to call me. They demanded an additional $ XXXX in payment. 

On XX/XX/XXXX, I sent them an email disputing the debt and emailed them proof of my Fall XXXX payment and did not hear from them directly for several months. 

Eastern Account Systems stopped calling me, but began to make menacing calls to my father. When I was with him one day, he handed me the phone and I asked them to call me directly.

Eastern Account Systems began to call me again in Fall XXXX. I once again forwarded proof of payment on XX/XX/XXXX. They continued to call and threaten legal action. I asked for proof of any valid debt. On XX/XX/XXXX, they called again and said that despite proof of payment that I submitted, and despite having on additional or separate invoice, they wanted the additional amount from me. I refused and informed them I would report them to you.
Consumer complaint received 2024-11-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (ME)

I've tried to reach out to Eastern Account systems ( XXXX is original creditor ) multiple times via phone calls and their website, I've left messages on multiple dates most recent being XXXX I've not received anything via mail, and have not been able to contact an actual person to discuss this debt. My social security number was compromised in XXXX of XXXX, and I was not aware of it until XXXX of XXXX when I began to notice collections on my account. 

I've attempted to dispute with all three credit bureau to which XXXX has supposedly verified this debt, but again I've never received communication from this company, phone calls, mail, etc. even after multiple attempts of reaching out to them. The state I live in does not even offer services through XXXX, nor have I ever had an account with them. This is a fraudulent account.
Consumer complaint received 2024-11-19
Product: Credit 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: PENTAGON FEDERAL CREDIT UNION (NC)

case number XXXX opened XX/XX/XXXX disputed amount {$530.00} disputed on XX/XX/XXXX wasnt given the option during dispute complaint of not receiving product that we ordered. penfed declined on basis that services were received. they did not request any info whatsoever regarding my claim. they are as uncooperative as i have ever seen when i contacted them today XX/XX/XXXX regarding the declined dispute i received. 

by law i am not responsible for charges for something i ordered and did not receive. merchant was XXXX help either. regards
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (SC)

Kikoff is a credit building company. They guarantee to help you build credit to increase your credit score. They are not reporting monthly to credit bureaus like they promise they would. My balance is {$100.00} but on my credit report it is showing {$140.00} and it hasn't been reporting to XXXX since XXXX.
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

I received an email from Wells Fargo stating that I missed a payment. That's not possible because I have autopay setup. 

My rebuttal to the company 's response to complaint, XXXX, is there is autopay was setup and they should have taken money out of my account on the due date to make the payment. 

The intention of using autopay is to set it up once and never have to worry about making a payment.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

The Basics of Call Recording Compliance Requirements With Dodd-Frank The Dodd-Frank Act outlines several rules and restrictions financial institutions must follow regarding business communications. These include : Recording all communications across various mediums ( phone, email, text, video ).

Storing records for the duration of the transaction and five years thereafter.

Time-stamping all records for accountability.

Organizing records for easy accessibility. 

With these regulations, financial transactions and correspondences are recorded, and banks become more responsible for their behavior.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

The XXXX XXXX XXXX assigned to handle the complaints adopted the following tactics : She ignores any fact/evidence she chooses entirely, as if it was not presented to her at all, and when pointed out ( repeatedly ) to address it she states that she already saw it and ignored it, and requests new information to ignore. This obviously leads to a convenient one sided outcome every time. 

This approach is unacceptable. This is not a XXXX XXXX but a regulated industry, and such abusive behavior is not allowed. The regulations must be followed, the Dodd - Frank Act in particular.