davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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)

Subject : Formal Request for Reinvestigation of Fraudulent Transaction and Immediate Credit Reporting Correctio I am writing to formally express my ongoing dissatisfaction with XXXX XXXX  handling of a disputed fraudulent transaction on my account, which I first reported in XX/XX/year>. I have made multiple requests for the Bank to reopen the investigation and provide a detailed explanation of the denials, yet XXXX XXXX  continues to refer me to the merchant, XXXX, who is unable to assist me. 

Background on the Fraudulent Transaction I have reached out to XXXX directly, as suggested by XXXX XXXX, but they have confirmed that they can not locate any transaction without an order number or transaction numberdetails I can not provide, as I did not make the transaction in question. I have also provided XXXX XXXX  with a police report supporting my claim of fraud. 

Despite this, I continue to be referred back to the merchant, and this back-and-forth has resulted in no progress toward resolving this unauthorized charge. XXXX XXXX  repeated refusal to reinvestigate or resolve the issue is deeply concerning and has caused significant financial and emotional distress. 

Request for Reinvestigation and Reporting Corrections I am formally requesting once again that XXXX Bank and XXXX Reopen the investigation into the fraudulent transaction on my account. 
Provide a detailed explanation of why my dispute was previously denied, along with any supporting documentation XXXX XXXX  relied on to reach that conclusion. 
Correct the inaccurate credit reporting related to this transaction. XXXX XXXX  continued reporting of this charge to the credit bureaus has resulted in a XXXXpoint  drop in my credit score, despite the ongoing dispute. 
Violation of 15 USC 1692c In XX/XX/year>, I formally requested under 15 USC 1692c that XXXX Bank cease communication with me regarding the disputed charge, yet I continue to be contacted about this issue, and worse, it has been reported inaccurately to all major credit reporting agencies. 

Next Steps and Legal Recourse I expect a written response to this letter within 14 days that addresses my requests, specifically regarding : Immediate correction of any negative credit reporting tied to this fraudulent charge. 
If this matter is not resolved satisfactorily, I will be forced to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to protect my rights under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). 

Please treat this matter with the urgency it demands.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated.

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.

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!
Consumer complaint received 2023-08-26
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-26
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. (LA)

In accordance with the Fair Credit Reporting act Convergent Account XX/XX/XXXX {$420.00} placed in collection from XXXX XXXX XXXX. XX/XX/XXXX {$560.00} placed for collection from XXXX XXXX XXXX. XX/XX/XXXX {$770.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX {$1200.00} placed for collection from XXXX XXXX. XX/XX/XXXX {$1500.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. 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.
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

In 2022 i have been trying to complete a consumer transaction in purchasing a home and i noticed alot of discrepancies and inaccurate damaging information in my credit history from multiple credit reporting agencies. I have reached out to the agencies and they did not response. According to the Laws of USC 15 U.S.C 1681 these are not supposed to be on my credit account these reporting agencies have cause grave damages to my character and ultimately decrease my ability to transact consumer actions.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AR)

I opened an account with Apple Savings/Goldman Sachs to take advantage of the advertised 4.15 % interest rate. I actually opened it only to move my Apple cash to this savings account. I was told via text messages that the way to verify my bank account was for me to make a deposit from my primary bank account. 

I made a deposit of {$1200.00} on XX/XX/23. A week later i tried to transfer {$100.00} back to my primary checking and kept getting messages that my account was not verified.

I again reached out to Apple Savings support. They told me it was not yet verified. 

I reached out today, XX/XX/23 and was told for the first time that i needed to call their 800 support number : XXXX. I called and was told i needed to have them call my bank to verify the account number. Verifying via a routing and account number was not acceptable. After sitting on hold for 10 minutes the agent came back online and required me to give my account number or social security number to the bank representative that she had called. I did so only to find out she had called the wrong bank in Pennsylvania and not in my state. They did not track the routing number to the correct bank. So i have now given my account number to people that are not even at my bank. The routing number should alert them to the correct bank. 

The agent then put me back on hold and came back minutes later to tell me she had contacted my bank and they refused to verify my account. I was not allowed to speak with them directly. 

I transferred my funds from my bank account on XX/XX/XXXX. They should be able to transfer the funds back to that same account. All i want is my money back and to close the account. I feel like my money is being held hostage. 

I was transferred to a supervisor, XXXX. She went through a speech that she would verify the transfer process but, i have no resolution. In fact, she transferred me to another " specialist '' and i had to start the verification calls to the bank all over again. I've been on hold for 10 minutes with no feedback. I was on this call for 45 minutes only for them to AGAIN call the XXXX of Pennsylvania. When i told her we started there at the beginning of this call she hung up on me. 

I still have no resolution and will have to call them again to get this verified. I just want my money back.
Consumer complaint received 2023-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (GA)

I am writing about a collection account that was added to my credit report on XXXX XXXX XXXX I did not receive a account number to associate with this account and I have enclosed a copy of my most recent credit report with this account highlighted. I was not contacted by ELEVATE RECOVERIES LLC prior to this account being added to my credit report which is a violation of FDCPA. This account is currently under dispute with XXXX and I am awaiting those results. As my rights under FDCPA have been violated by ELEVATE RECOVERIES LLC, I am filing a formal complaint. As FDCPA guidelines were not followed, I am requesting this tradeline be removed from my credit reports. 

I appreciate your time and attention to this matter and look forward to a resolution. 

Thank you in advance, XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-26
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: WELLS FARGO & COMPANY (FL)

I have a few hard Inquiries on my Credit that Im not aware of such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022 I had a check paid that was unauthorized by XXXX XXXX in the amount of {$7400.00}. I contacted Wells Fargo and submitted my claim as I did not sign any contract with XXXX XXXX as you can see from the attached documents. The owner stole my check and funds and Wells Fargo declined my claim. Wells Fargo did not protect me and my accounts as this was a suspicious and unusual transaction for my account and did not verify with me as the account owner to process the check. I have taken Legal action against XXXX XXXX as Fraud and theft was committed and he was charged and arrested. However Wells Fargo refused to protect me as a Loyal customer of theirs as I have my full relationship with them including a Mortgage and Credit card that I have paid on time. I am a XXXX XXXX  from the XXXX XXXX and I have worked very hard to be a responsible Citizen in the United States and I feel that I have been Discriminated against and not protected by my bank that I have constantly made payments to my obligations with them and they are not returning the same respect and courtesy as I deserve. My children have suffered immensely as this situation has caused me financial burden and my bank did nothing to help me or protect me.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I'm filing a complaint against Bank of America due to the fact that they profile me and decided to false accuse me of depositing a counter fake check. 
Around XX/XX/2023 I deposited at a Bank of America ATM 2 checks that I received by mail from my XXXX XXXX ( XXXX XXXX  XXXX ) ; one for the amount of {$2600.00} and another for the amount of {$2700.00} for a total deposit of {$5400.00}. On XX/XX/XXXX, I received a notification that the checks were not going to be clear until XX/XX/XXXX. I called the institution for answers and for my surprise they told me : " I was under investigation due to counter fake check and that my account was getting close ''. On XX/XX/XXXX they locked my account and left me with no money away from home, without a valid reason. 
I went personally to XXXX XXXX, FL XXXX to show the documentation that my XXXX provided me as an evidence ( See the attached documents ). Routing numbers of the checks are valid and belongs to XXXX XXXX XXXXXXXX. 
I've been calling multiple times and every time is a different person, a different supervisor, a different story. I was supposed to receive my checks back by mail but no checks have been sent and I need my money to be able to return to XXXX and buy my XXXX supplies and clothes. This situation already cost me 2 XXXX XXXX visits.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX XXXX XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice XXXX be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-26
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
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. (NY)

I contacted the company on XX/XX/XXXX via phone and email about a 3 fraudulent personal loans taken out in my name. I submitted documentation regarding account numbers, dates the accounts were opened as well as a identify theft report filed to the FTC. The documents were emailed on XX/XX/XXXX and mailed the following business day. I called XX/XX/XXXX and the investigation is still pending with no additional information to provide. I also requested additional documentation about the fraud activity, not being liable for the account and any documentation from the individual who requested the loans so that I can pursue criminals charges. Each time I call I am not given any additional information ; only that the investigation is private and it has been 30 days.