davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/XXXX regions bank sent me a text alert about a XXXX charge for {$150.00} the text ask if I made this charge I responded no because I do not have a XXXX account. The bank then notified me that they cancelled my debit card. I then called the bank and disputed the charge as fraud on XX/XX/2023 They then denied my dispute saying I needed documentation from my XXXX account showing I didn't make the charge but I can't show documentation because I do not have a XXXX account. I contacted XXXX they told me to dispute the charge with my bank. I have banked at regions for XXXX years and in that XXXX years there has never been XXXX charges because I do not have a XXXX account. This XXXX charge was fraud I never made that charge but regions is refusing to refund the money taken from my account because I have no documentation how can I have documentation from something I don't have. I do not nor have I ever used XXXX. I signed up for text alerts for extra security on my checking account but what good does it do when I respond that it isn't me making a charge and they refuse the dispute. This charge was fraud.
Consumer complaint received 2023-11-13
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. (NY)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IN)

On XX/XX/XXXX I made a purchase on line for a generator when transaction was complete I received a confirmation number and it said they would ship as soon as possible. Couple days went by I sent a email asking about shipment since I didn't receive any info. No response. No number to call. 
I went to my bank ( Cash ) to file dispute to get my money back. Few days went by and I called the bank to see and was told my claim was denied. They said we will get ahold of the Specialty Team and they will provide you the documents they based their decision on. I had to call back at least 5 times because that dept. never reached out. Each time I called I went thru the same text book response. I started asking to speak with a manager the next 5 times I called and was told its not one available but they will reach out to me via email. Finally on the XXXX of XXXX that dept sent me a document to why I was denied note that they made this discussion a month ago and finally a manager reach out to me 2 days ago saying it was denied and its no over turning it. The Specialty Team denied my claim because they say it was a authorized transaction of course it was my dispute was because I didn't receive my generator not one time did I claim that I didn't recognize this transaction not one time. By their guidelines a refund can be given if goods you order dont show up or you received something you didn't order. Now all they say is we will have to send this to the Specialty Team and it can take up to 45 days for a dispute. They messed up the first time and they keep saying it was denied will someone actually read what my dispute is about all you do is give me the text book response and pass me to the people that took forever to send me info to why I got denied then they denied me for a reason that was not even a issue. My main complaint is with my card holder ( Cash App ) which is XXXXXXXX XXXX. The fact I've had to be talk to so back give them info that had nothing to do with my dispute. They did anything in hopes I'll hang up. Ask me at any time did I give out my pin number, what device was I using, my address and phone number and until you answer all them in order we can't help you. This was today and I went ahead and answered them all and her next response was I'll have to get you over to the specialty team and it could take 45 days to get a response. Not once was I able to talk with my voice or even tell someone what my dispute was really about because every agent automatically started with I see it was denied we need to get you to the specialty team and they can tell you way.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my growing frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. 

I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. 
Documentation highlighting my responsible financial behavior and positive credit history.

Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security.

I formally request an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility.

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute.

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31
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: WELLS FARGO & COMPANY (MD)

Wells Fargo Card Services ( closed my account on XX/XX/year> while I was still making payments doing the pandemic. They charged off the account, but did not send me a 1099 form which is considered fraud. I want to report this creditor to the IRS to tax fraud, and sue them for not removing this from my credit report.
Consumer complaint received 2023-11-13
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. (TX)

I am writing to express my growing frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing.

I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals.

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.

Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation.

Documentation highlighting my responsible financial behavior and positive credit history.

Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security.

I formally request an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which mandate a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

XX/XX/year> : XXXX XXXX XXXX ( third-party ) sent a check totaling {$500.00} to the Department of Education for my EdFinancial account. 

XX/XX/year> : Check was cleared from XXXX XXXX XXXXXXXX XXXX  account and cashed by EdFinancial. However, the check was routed to EdFinancial 's old address. I spoke with EdFinancial at the end of XXXX and they mentioned it would be forwarded to EdFinancial 's new address. 

XXXX, XXXX : I held follow-up calls with EdFinancial but they still have not seen the payment. I have since sent other payments handled by XXXX XXXX XXXX and those have processed successfully, so it is this initial XX/XX/year> payment that is still outstanding. 

XX/XX/year> : At Edfinancial 's request, I attempted to upload documents ( proof of payment - front and back copy of cashed check and email correspondence between XXXX XXXX XXXX and myself confirming the check was cashed by EdFinancial, but not posted ) to my EdFinancial account to assist in expediting that process. 

XX/XX/year> : I spoke with EdFinancial again, and was told there was no record of EdFinancial receiving my documents. I resubmitted the documents via email and EdFinancial confirmed they were received.

It has now been over 6 months since I made this {$500.00} payment and it still has not posted to my account. EdFinancial will not give me a timeframe as to when this issue will be resolved.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is information that 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 on my consumer report. I am requesting that the reporting of this information to 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 a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (FL)

I'm writing to impart my tension concerning the challenged records on my credit report. On various events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Regardless of my undertakings, I by and by just can't get any objective or therapeutic movement. These mixed up records are truly hurting my credit report and demolishing my ability to continue with a normal life. The unfavorable results of these blunders have caused tremendous troubles for me, and I'm left with no choice aside from to contend for your assistance with amending what is happening at the earliest open door. I thoughtfully request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the principal progresses are taken to revive and address my credit report right away. With your help, I want to restore the accuracy and decency of my credit archive so I could recuperate control over my money related thriving. I truly urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue speedily would be colossally important. Thankful to you early on for your cognizance and help.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MN)

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXXXXXX XXXX XXXX  XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2024-08-12
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. (TN)

I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been stolen, as I did not authorize these accounts. I have previously reported this issue and now request that these unauthorized accounts be removed from my report immediately. Their presence is causing me significant distress and does not reflect my actual credit history or financial management. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are severely impacting my ability to achieve crucial financial goals, such as purchasing a home and supporting my family. I appreciate your prompt attention to this matter and hope for a swift resolution.