davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
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. (AL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (DC)

I moved out of the XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/24. The property manager XXXX XXXX XXXX was onsite and witnessed the movers taking my things out of the unit XXXX. I turned in the keys to the front desk receptionist after I completed my move on XX/XX/24. I am continuing to receive current monthly rental and lease charges in the amount of {$2000.00} per month plus late fees from the third party billing service the rental property uses. I am concerned about this attempt to collect a debt I do not owe and the negative impact it has on my credit. Such action is illegal and should be stopped.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NV)

Dear Experian, I am writing to dispute an inaccurate entry on my credit report. Specifically, there is an auto loan entry showing in New York with the date XX/XX/year>, which I have never owned. Under the Fair Credit Reporting Act, you are required to report only accurate information. Therefore, I request that this incorrect information be removed from my credit report immediately.

The details of the disputed account are as follows : Account Type : Auto Loan Location : New York Date : XX/XX/year> This auto loan does not belong to me. I have never owned or co-signed for an auto loan in New York or at any other location. I request that you validate this information or remove it from my credit report. If this entry can not be validated, it must be deleted according to federal law.

I have enclosed a copy of my credit report highlighting the erroneous entry and a copy of my identification for verification purposes. Please conduct a thorough investigation and inform me of the results in writing.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

I was offered a resolution offer from Radius global solutions of {$200.00}, it would have been three payments of approximately {$68.00} dollars each payment. I needed to accept that resolution offer by XX/XX/year>, a family friend paid my first payment of {$68.00} on XX/XX/year> with his debit card online, below I enclosed the receipt. I requested in writing on XX/XX/year> that the next two payments be sent to my home address on file and I was going to send in money order for the last two payments. I also informed them not to charge my family friends debit card going forward that it was only a one time payment to enter in the resolution offer contract. I received a response from radius global solution office on XX/XX/year> stating that they were going to charge the debit card going forward each month, they also did not have the correct amount which was the previous resolution offer of {$200.00}, in which I enter into and excepted their offer. On XX/XX/year> I called a spoke with a representative and explain to her that the debit card on file is not my debit card it was a family friends and not to charge it going forward but to send the last two payments to my address so I can pay by money order I was told it was taken care of and would not be charge. On XX/XX/year> my family friend said he was charged for the second payment. I am no longer friends with this person becasue of their mistake and confusion. This and the creditor breaching their contract offer has caused a lot of stress and XXXX. I have enclosed below the formal letter I have sent to the creditor and my remedy request based on them breaching the agreed upon resolution offer. They violated the fair credit act in several areas. I look forward to getting this situation remedy as I requested. I also would like them to cancel this account and take it off of my credit report. Ucc1-308 without prejudice XXXX XXXX
Consumer complaint received 2024-08-10
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 (CA)

I had attempted to contact Bank of America in order to initiate a dispute for transactions regarding the merchant " dingdingding.com ''. However, the support representatives all lied to me, telling me that I could initiate the chargeback from the Bank of America app. When I tried to do so, following the instructions that they sent me, I would not be able to initiate a chargeback and was told to call customer support, who would then tell me to do the disputes from my app again. 
When I tried to initiate the disputes over the phone, the support representatives told me that they could only do 1 dispute at a time. I was on the phone for several hours with a support representative and they were only able to initiate less than 1 % of the disputes that I had requested, before I needed to hang up and do other things. This means, that I would need to spend hundreds or thousands of hours on the phone with support in order to be able to initiate the disputes. This also decreases the chances of my disputes being approved since they would be for charges that happened further in the past. It is ridiculous that this process takes so long, when it could be done in a single day at other banks.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED this fraud account and i have been disputing the FRAUDULENT ACCOUNT REPORTING ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX XXXXTHIS COMPANY HAD NEVER PROVIDED MY PERMISSION TO FURNISH MY CREDIT REPORT XXXX it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft XXXX XXXX  HAS NEVER PROVIDED PROOF OF PROCEDURE OF INVESTIGATION XXXX. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE 15 U.S Code 1681b - Permissible purposes of consumer reports 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. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

15 U.S. Code 1681i - I ( 7 ) 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1681c-2
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance Group & Associates LLC (TX)

I received a call originally from XXXX XXXX XXXX. The voicemail message was as follows : " Hello, this message is intended for XXXX XXXX. My name is XXXX XXXX and I'm with process verification for XXXX XXXX XXXX. I'm calling in regards to a civil complaint that was forwarded to my office scheduled for filing against you out of the county of hood. The firm that is filing this complaint reported a failure to respond to a 30 day notice of intent that was mailed to your residence due to the urgency and severity of this complaint. Contact is being required immediately at XXXX XXXX XXXX. File number on record is XXXX XXXX. Failure to respond will result in a legal decision being made without your acknowledgment or participation, you have officially been notified. '' When I called the number back, I was told that " Nationwide Legal was their call center and I was now speaking with Alliance XXXX Group and was asked for the last 4 of social security number. I informed them that I was recording the call ( as they informed me, they were also doing ) They said, 'I do not give you consent to record me ' and that I would soon be served with legal papers to sue me. '' I then disconnected the call. The number that originally called was ( XXXX ) XXXX. I called back to verify the name of the company and was told " Due to your threat to record our conversations we are nolonger able to talk to you and you will soon be served the civil lawsuit pending against you '' During the course of the calls no one informed me of what the request for my information was, why they needed my SSN and why the couldn't be recorded however they wanted to record me.
Consumer complaint received 2024-08-12
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. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

From XX/XX/XXXX to XX/XX/XXXX, an appliance repair shop charged us 26 separate times for a total of around {$40000.00}. We have never been to this repair shop and it is in an entirely different state from the state that we live in. We reported this to Chase as soon as we saw it, which was within the 60 days of the statement. While they initially credited us for the charges, they have now rebilled them to us. They have not notified us of this nor have they provided and explanation.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (UT)

I completed a bonus offer, but have not received the bonus. I asked Citibank to review my account and they claimed I was not eligible for the bonus because my account was closed. However, my account was open when I contacted Citibank. They closed it without me asking them to after I inquired about my missing bonus. Regardless, my account was open when I met the bonus requirements so I should have received it within the stated timeframe. 

Here is a timeline of events on the account : -I opened the account on XX/XX/year> -The Direct Deposits were made on XX/XX/year> and XX/XX/year> That completed the requirements for the bonus offer and the {$300.00} bonus was supposed to post within 30 days or by XX/XX/year>. 

My account was open and in good standing on XX/XX/year>. There was a positive balance in my account still. There is no reason why I should not have received to bonus offer. 
I was charged account fees in XXXX, XXXX, and XXXX of 2024 which further proves that my account was open when I met the bonus requirements.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Called to speak with representative at XXXX to verify details and to verify if they have received letter for disputed details from credit reporting inaccuracies. Was told that if it doesnt include ID and verification of identity, letter of dispute will be disregarded. Tried submitting details online to upload documents to possibly avert that issue. Unsuccessful with reaching representatives via phone at Experian and XXXX due to high call volume and continue to be rerouted to main menu automated system.

Details on report has some information that needs to be removed due to my consumer rights and would like to ensure inaccuracies are addressed regarding public record information and negatively reported accounts upon pulling credit report, it has come to my attention to that these are concerns and issues that has cause me to not be granted credit. It doesnt create an accurate and current credit picture of my situation and has caused strain in the ability to sustain basic necessities when credit extensions are needed or when it involves basic credit checks.

Letters have been redrafted and sent out, however I would like to get this issue resolved as soon as possible, seeing as how it is majorly affected my creditworthiness and ability to maintain my consumer rights.
Consumer complaint received 2024-09-22
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: DISCOVER BANK (LA)

Discover Card refuses to remove a double billing. 

I made a reservation with XXXX to stay with XXXX XXXX and XXXX in XXXX XXXX  on XXXX XXXX, 2024, they immediately billed my Discover Card for {$150.00}. 

I checked in the XXXX XXXX in XXXX XXXX  on XX/XX/scrub> 2024 with my Discover Card to cover incidentals. Upon checking out on XXXX XXXX, 2024 XXXX XXXX refused to give me a final statement. I later learned that they charged me again for the room for {$130.00}. So, I was charged XXXX  for the same room for the same night. 

I filed a compaint with Discover Card. They processed both charges for review and Discover Card refused to remove XXXX or the other of the charges. 

In the past Discover Card had always been customer friendly and helpful. But, since XXXX XXXX bought them they are very unaccomodating on customer service. 

I can't explain the difference in the amounts, but the fact is they are charging me XXXX  for the same night stay, and Discover Card refuses to make it right. I don't care which one they remove, but XXXX of them must go away.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2024, I addressed a {$6000.00} Bank of America access ( convenience ) check to my husband into our XXXX XXXX account. On XX/XX/2024, I received a fraud alert call from BOA regarding this transaction and prompted to call before XXXX EST to authenticate that I did indeed write this check. I spoke to XXXX in BOA, around XXXX EST, to verify that I authorized the check and repaid my other debt of {$900.00}. She reassured me the funds were approved. 

On XX/XX/2024, I received an email from XXXX XXXX regarding an overdraft of my account and called Bank of America due to the {$6000.00} being cancelled. I spoke to XXXX of the BOA fraud department around XXXX EST to discuss this mistake. She was unable to credit my account and noted that I did speak to BOA the day before to authorize this transaction. She told me to call the BOA Sales Department to rectify the money. 

On XX/XX/2024, I spoke to XXXX of BOA Sales around XXXX EST to discuss this mishandling of my money and had to authorize a cash direct deposit of {$6000.00} to fix the access check mistake. I asked if she could waive the transaction fee as BOA made a mistake and I would appreciate the courtesy since I have banked with BOA for near 30 years. She was unable to waive the fee, claiming that the fraud department handles that. 

Later at XXXX EST, XX/XX/2024, BOA Fraud department called me again to verify that I had a deposit of {$6000.00} with a case number associated. I called back at XXXX EST to speak with XXXX to again authorize and authenticate that I did ask for the direct deposit in lieu of the mishandling of the {$6000.00} check that was the original reason for why I called. I asked again to waive the transfer fee and she claimed that Sales does this after the transaction has been deposited. 

Now, XX/XX/2024, I spoke to XXXX in sales BOA at XXXX EST asking to waive the transaction fee for all the trouble I was put through. She was unable to waive the fee due to the promotion and validated that I did speak to XXXX on XX/XX/2024 on time and acknowledged and apologized for the mistake. 

I had followed the directions Bank of America asked of me, by calling before XXXX EST to authenticate the {$6000.00} check only to have it cancelled. Then having to go through a similar process and questioned of validation was overkill and frustrating. All I wanted was the courtesy of a waived fee for their mistake and they refused.