davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I XXXX XXXX XXXX ( XXXX ) ( XXXX ) was a victim of Identity theft due to my car jacking and my stuff was stolen and I have been back and forth to court to get it expunge off my records because the lady was using my identity and cards and was lock up and used my license. This is the last thing I have been trying to clear off my info. So I am sending in the information again to clear this off of my Chex System. 


Contents of Complaint : I am writing to request and investigation of the following accounts. " I'm requesting the following information to be deleted from my Chex System consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened and inquires below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following that appears on my Chex System Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX I am a victim of identity theft and I don't recognize this account on my report. I am requesting the following information be deleted from my Chex System report immediately! I am also requesting the addresses to removed also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached a copy of the report to this request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that as a credit reporting agency, ( Chex System ) is bound by the Fair Credit Reporting Act ( FCRA ) to conduct an investigation upon receiving a dispute request. This legislation aims to ensure the accuracy, fairness, and confidentiality of consumer information held by reporting agencies, clearly outlining your responsibilities in such cases. details provided. I trust that you will approach this matter with the necessary attention it demands, and I await the outcome of your investigation. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

XXXX XXXX XXXX, ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below " I'm requesting the following information to be deleted from my XXXX System consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened and inquires below. 



XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX, XXXX XXXX XXXX  Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX I am writing to request an investigation of the following that appears on my XXXX XXXX XXXX XXXX XXXX report. I have NEVER opened or use the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I am a victim of identity theft and I don't recognize this account on my report. I am requesting the following information be deleted from my XXXX XXXX report immediately! I am also requesting the addresses to removed also XXXX XXXX XXXX, XXXX XXXX Md, XXXX XXXX XXXX XXXX XXXX XXXX Md. 

I've attached a copy of the report to this request. 

Consumer Portfolio Services, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I understand that as a credit reporting agency, ( XXXX XXXX ) is bound by the Fair Credit Reporting Act ( FCRA ) to conduct an investigation upon receiving a dispute request. This legislation aims to ensure the accuracy, fairness, and confidentiality of consumer information held by reporting agencies, clearly outlining your responsibilities in such cases. details provided. I trust that you will approach this matter with the necessary attention it demands, and I await the outcome of your investigation. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-11-01
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)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I did a debt consolidation loan with XXXX XXXX XXXX XXXX. I had three credit cards : Lowes, Amazon, and Rooms to Go. All three credit cards are financed by Synchrony Bank. Checks were disbursed to all three cards from XXXX XXXX XXXX XXXX. 
The balance for the Amazon XXXX Credit Card was {$1100.00}. Synchrony Bank processed the Amazon XXXX balance ( {$1100.00} ) on the Rooms-to-Go account. 
When I called for them to transfer those funds to my Amazon XXXX Credit Card on XX/XX/XXXX, you can see from the screenshot. The correct balance was applied to Amazon XXXX Account. 

Here is the big discrepancy, although the funds were transferred from Rooms to Go and then to Amazon XXXX Card, the {$1100.00} was never removed from the Rooms to Go database. The accounts were closed. Synchrony Bank refuses to remove the {$1100.00} from the Rooms-to-Go account. As you can see, they have labeled the {$1100.00} as a purchase, which is incorrect because the account was closed. 

I only owed {$1100.00} to Synchrony Bank. The current balance is coming from the bank adding {$1100.00} plus {$1100.00} plus interest. I have always had a good credit history with Synchrony Bank.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I started a dispute through Transunion for XXXX XXXX due to XXXX XXXX. the letter was not notarized, because I'm Self Attesting. The instructions did not refer to a notary being needed. I was told by Transunion that a notary is required, but the file is frozen an I can't upload the notarized document, self service my credit file in any way.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (TX)

I am REWRITING to complaint to NATIONSTAR-MR COOPER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, In XXXX, I was able to wire transfer money internationally in USD, and again in XXXX and XXXX as my account history shows. and the bank charged XXXX or XXXX $ XXXX for that transaction. 
I tried in the past 3 to 4 days to make an international wire transfer in USD but Bank of America is giving me error message ( online or in person at the branch ). I tried to do the wire transfer to multiple international banks in 2 different countries. all gave me the same error message. 
The bank error reads " we are unable to process your request. if your beneficiary is able to receive a different currency, you may try again with that currency. we apologize for the inconvenience " When I try to do the same international wire transfer in the foreign currency of the receiving bank, it works fine. ( no error messages ). and only shows the exchange rate of Bank of America for that currency.

Facts : 1 ) Bank of America ( both online and in person ) denying my wire transfers in USD to foreign bank accounts.

2 ) I tried multiple different foreign banks in 2 different countries.

3 ) all the foreign bank accounts are in USD. so the money will be received and handed internationally in USD.

4 ) all my attempts resulted in the mentioned error message.

5 ) Bank of America ( online and in person ) only allowed me to proceed with the international wire transfer, if I indicate the amount to be sent internationally in the local currency of the recipient bank.

6 ) multiple Bank associates told me ( in person and on the phone ) that the error message is because the recipient bank is not communicating their fees to Bank of America. therefore Bank of America can not proceed with the transfer because it can not disclose the international bank fees as required by federal law in the U.S.

7 ) when I tried to do the international wire transfer in the local currency of the recipient international bank. Bank of America failed to disclose any type of fees of the recipient bank. but only showed bank of America exchange rate to that currency.

8 ) I called Bank of America and spoke to 3 agents who failed to give a straight answer to why I can not send foreign wire transaction in USD to foreign bank account ( account in USD ) as I did many times in the past. they only said laws changed.

9 ) if laws changed, why does the option to wire internationally in USD, still available ( online and in person ). 
10 ) I filed a formal complaint with agent XXXX from Bank of America on XX/XX/XXXX when I called on XXXX XXXX ( the phone call with Bank of America lasted 1 hour and 24 minutes ). 
11 ) Bank of America formal complaint number is : XXXX
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I tried to get my free credit report from equifax and created an account on the website - XXXX XXXX XXXX - I created a password, and the system would not allow me to log in, and I got an message that the account was locked due to an incorrect password. I called the number on the screen ( XXXX ) XXXX and the representative - XXXX, employee number XXXX stated that he had to ask me some questions to verify my identity. He asked for my name, social security number, date of birth, address, and then proceeded to ask for some very personal information about my debt, who my creditors were and what specific amounts I owe to each creditor. I believe that was very suspicious, and I refused to disclose all that information. I asked to speak to a supervisor and was put on hold for over 20 minutes. I am very nervous because as he was asking for my information, he refused to provide his full name or any further proof that that was in fact equifax. I don't want my identity to be stolen.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX  XX/XX/XXXX {$5500.00} DEPTEDXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

There are several fraudulent accounts being reported to my credit report that are not mine. I've never had accounts with these creditors, and never authorized anyone to open accounts with these creditors. I've tried multiple times to dispute these accounts to no avail. 

XXXX XXXX Date opened XX/XX/XXXX {$140.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Date opened XX/XX/XXXX {$190.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Date opened XX/XX/XXXX {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX XXXX Date opened XX/XX/XXXX {$1000.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX {$6900.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX {$1400.00}
Consumer complaint received 2024-09-13
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. (AZ)

My account with Experian 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 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.

Experian 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Consumer complaint received 2024-09-13
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. (MI)

This company XXXX BANK in violation of the FCRA 1605b, is continuously reporting unverified, invalid debt to my alleged consumer credit reports. This company along with its associated account ( s ) are listed in a notarized FTC identity theft report, to which they are now obliged by Federal law to block any further reporting of the alleged information to.
Consumer complaint received 2024-09-13
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. (CT)

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted Experian, and they assured me that these would be removed from my report, yet theyre still there.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with 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 60 days 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.

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 XXXX