davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Upstart Holdings, Inc. (CA)

I am a current victim of identity theft and fraudulent transactions that have resulted in loans from 3 different companies ; Upstart, XXXX, and XXXX totaling the amounts all together of about {$45000.00} estimated. I have been hacked and scammed by international individuals and they some how have all of my information and payment account 's ; XXXX, XXXX, XXXX, XXXX and my XXXX banking info and social media accounts. Please see the attached documents below for more information and details.
Consumer complaint received 2024-09-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

For 16 years have paid Navient approximately {$140000.00} for student loan for my daughter. Only {$20000.00} has gone to the principal. In XXXX more years I will be XXXX XXXX XXXX and only {$20000.00} more will be paid toward the principal. The interest rate kept going up with payments close to {$900.00} a month. When I talked to them there was nothing they could do but defer it and keep adding interest to the loan.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

This is about my CITI card For the month of XXXX my payment was XXXX, in XXXX it was XXXX, they always go up on the bill a small amount when I spend on the card each month. Then all of a sudden in the month of XXXX the company decided to move my payment up to XXXX. I call and ask about the big jump in my payment and the guy I talked to told me to let him check it out because that was an unusually big jump in my monthly payment. The guy came back and told me it was because my promotion had ended. I told him than was not true because I paid my promotion off months ago before I put anything else on that card. Ever since I paid that promotion off ( when I first got the card and bought some items from Wayfair ) they start to take out 34 % apr and 1 % apr. They have been taking out 2/3 of every payment I make every month since the promotion was over. I was told that my payment would return to the regular payment this month ( XX/XX/XXXX ) but this month my payment is a XXXX. I am willing to send the regular payment i should be paying which is about XXXX but not a big payment like that because they are keeping XXXX and only putting XXXX toward the principal of this bill. I talk to the manager, and she told me if I wanted my bill to change then I should refinance the bill somewhere else.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

An unauthorized account that I have no association with it from XXXX XXXX is showing up on my credit report. I request that this matter be investigated with immediate action. I kindly ask for removal of an inquiry from my credit report that I believe is inaccurate. Im not sure what day this account was opened, and I've called XXXX several times with resolution to this problem, no actions has been take at this time, no resolution!!
Consumer complaint received 2024-09-28
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: COMMERCE BANK (MO)

I got a credit card from Commerce Bank called XXXX XXXX XXXX. The promotion was {$200.00} and free interest foe 12 months. I spent the money required to get the {$200.00} and the {$200.00} was loaded to my rewards account but before I could withdraw the money it went missing. Now they say I'm under a different promotion and want to know the promotion offer I signed up for. I havent been able to find the original paperwork for the promotion. Also something very odd is my rewards account has no history of points being issued or withdrawn. It should have history since I did spending. Theres no history because their system made a mistake and took my points.
Consumer complaint received 2024-09-24
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. (FL)

In 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. 

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 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a charge that was not supposed to go through. The charge was normally an automatic charge for a bill payment that was supposed to be taken off automatic. When the automatic payment went through, it over drew my account. When I spoke with the bank to try to get future transactions from hitting the account so I would stop any excessive fees, they said that business accounts could not do that and that there was nothing they could do. I was charged overdraft fees for a few transaction that were paid by the bank, then they stopped paying the debits and charged me Return Item Fees. 

XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} I wasn't concerned at first, because it was just putting the account more into the negative with these excessive fees. I was still using another account with the bank that was not being affected. Then on XXXX, they virtually emptied my other account to cover all those fees. I was mortified! I spoke with someone at the bank that was able to stop debits from coming out of my account with a single click on his computer. I was befuddled as to why that was never done before?! He maid a complaint on my behalf about the issue and when someone did reach out to me about it, they told me that what the representative did in the bank to help me was not supposed to have been done. The feature that he used to stop the fees could not be used to stop fees. She also told me that they have a process to spot excessive fees but only if there are three or more transactions per day. So even though they clearly have charged me excessive fees, there is not process to stop it. They charged me all that money to NOT pay debits, and the one thing that could stop it is not supposed to be done to stop it.
Consumer complaint received 2024-09-28
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. (MN)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
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. (PA)

XXXX XXXX Is reporting on my credit report. I no clue who this company is. I didnt authorize them to have any of my info. I have no agreement with this company. They are fraudulent in reporting to my credit report
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and Experian. 

Please delete the following accounts : XXXX  XXXX XXXX Account Number : XXXX Balance : Balance : {$5400.00} XXXX Account XXXX Balance : {$0.00}
Consumer complaint received 2024-09-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I disputed a transaction of {$980.00} with Bank Of America and gave them a fax of XXXX cancel my order and they are refusing to credit my account.
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. (TX)

XXXX XXXX XXXX XXXX wild XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Today 's Date XX/XX/XXXX DOB- XX/XX/XXXX SSN- XXXX ( FTC XXXX ) - XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject XXXX Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. Between the year XXXX very important documents that verified my immigration status were lost. Included in those documents were my XXXX XXXX, Social Security, XXXX  ID, and files that noted down any important detail about my life. It took me a very long time to replace most of those documents. I decided for the first time to create an account on these credit bureaus and have seen that there is a lot of false information attached to my credit profile. I truly believe these accounts were opened by a 3rd party who found my lost information but never turned them in.

As an immigrant I was unaware of how easy it was for people to steal your identity. I am hoping for the best results regarding the following accounts below.

The accounts listed below do not belong to me and were fraudulently opened using my personal information.

I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to 605B of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 


The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well.

Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. 

Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-28
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. (IL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
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. (TX)

XXXX XXXX XXXX XXXX wild XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Today 's Date XX/XX/XXXX DOB- XX/XX/XXXX SSN- XXXX ( FTC XXXX ) - XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. Between the year XXXX very important documents that verified my immigration status were lost. Included in those documents were my XXXX XXXX, Social Security, Texas ID, and files that noted down any important detail about my life. It took me a very long time to replace most of those documents. I decided for the first time to create an account on these credit bureaus and have seen that there is a lot of false information attached to my credit profile. I truly believe these accounts were opened by a XXXX party who found my lost information but never turned them in. 

As an immigrant I was unaware of how easy it was for people to steal your identity. I am hoping for the best results regarding the following accounts below. 


The accounts listed below do not belong to me and were fraudulently opened using my personal information. 

I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to XXXX of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 


The fraudulent accounts in question are as follows : XXXX XXXX  XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$1000.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$0.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Original Balance : {$4000.00} XXXX XXXXXXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Original Balance : {$2100.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$6700.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$2500.00} I demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well. 

Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. 

Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

basically i had a high credit limit for a few months without knowing because the bank didnt update my address when i informed them! so when i checked in on my account i saw it was over due so i payed XXXX to bring it current then i also payed XXXX and changed my minimum monthly payment only to find out a week later that they revoked my credit... no warning no call no text just ended my XXXX XXXX XXXX account XXXX limit... i called to change the due date and thats when i found out... i didnt even call for this reason i only found out because they said they could change my billing cycle and when they looked into it they said it was because my credit was revoked XXXX weeks ago ( the XXXX of XXXX ) its the XXXX as i right this now... i am beyond XXXX because the credit history for my business is gone now...