davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Credit card or prepaid 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 (NC)

Dear Sir or Madam, Please help me. I am a victim of identity theft, and I am being held responsible by Discover Card for {$5300.00} in purchases that I absolutely did not make. The fraud dispute process has failed. I have been fighting with Discover Card since XX/XX/XXXX, but every time I resubmit my claim, I get rejected with no explanation. When I call, I am told that I can not speak directly with a member of the fraud resolution team because they " do not accept phone calls. '' I want to exercise my rights under the Fair Credit Billing Act ( FCBA ). I first notified Discover Card of the fraudulent activity on XX/XX/XXXX. The charges were credited from my account, beginning on XX/XX/XXXX. I received correspondence from Discover that all unauthorized charges have been credited on my account. 

But on XX/XX/XXXX, I received a letter from Discover stating that they changed their minds, and that I was responsible for all charges. They placed all credited fraud charges back on my account! 

This is a violation of the dispute settlement procedures provided by the FCBA ( 161, sections A and B ). The FCBA settlement procedures apply to fraud or unauthorized charges, which I am disputing. Federal law states Discover must resolve the dispute within two billing cycles ( but not more than 90 days ) after receiving my notification of disputed charges. Discover failed to meet this timeline, and the law clearly states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges even if the creditor finds the charges to be valid. 

My dispute was initiated in the XX/XX/XXXX to XX/XX/XXXX billing cycle. The dispute was not resolved within the next 2 billing cycles of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. The disputed charges did not reappear back on our account until the XXXX billing cycle of XX/XX/XXXX to XX/XX/XXXX. Therefore, even if Discover believes these charges to be valid, ( which they absolutely are not ), under law, we are not responsible to pay the charges. 

I am attaching proof that the dispute began in the XX/XX/XXXX billing cycle, and the dispute was not resolved until 3 billing cycles later, in the XX/XX/XXXX billing cycle. 

I am also attaching the overwhelming evidence proving that the fraud charges were not authorized by me or anyone in my family. 

Thank you!
Consumer complaint received 2024-04-20
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)

There are XXXX collections account on my credit report from accounts that do not belong to me. One of them is from a storage called XXXX XXXX XXXX, and the other one called XXXX XXXX. These accounts were not opened by me and ended up being sent to collections, having a negative impact on my credit.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TransferWise Ltd (MN)

On XX/XX/XXXX I tried to add my nationality in their mobile app as requested and instead of saving the correct one the nationality was not one I selected. I immediately contacted Wise through their app email and asked for help to correct the information. I uploaded my passport and driver 's license and did a video selfie as requested on XX/XX/XXXX and two more times after that and the information still has not been corrected. The last email on XX/XX/XXXX indicated my information had been received and would be updated in the next two days.

My information still has not been corrected almost two weeks after my initial request and not within the timeline they provided in their email responses.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-04-20
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. (MT)

I have requested a copy of contract with my signature from XXXX XXXX # XXXX, is been 40 days and not response. 
XXXX send me a letter with wrong last name, and is reporting XXXX XXXX in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. XXXX is not in compliance with the laws, Experian sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company XXXX XXXX partial acct # XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.
Consumer complaint received 2024-04-20
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. (MS)

On XX/XX/2024 I sent out a letter to Experian about the fraudulent accounts on my credit report. It's been more than a month and the items on still on my report. I have not heard back from Experian in more than a month. When I called in, the representative advised me to submit a police report. Since then I have filed an ftc report. I have no clue about these accounts and it has caused me to be really stress. Please fix this. I have attached the letter sent it, I also included ftc report, an ID and a social security card. Thank you for your expedited response. I am overly appreciative
Consumer complaint received 2024-02-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK it from my personal credit file. Thank you.JEFFCAPSYS XXXX Date Opened : XX/XX/2020 XXXX XXXX : {$3000.00}
Consumer complaint received 2024-04-20
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. (FL)

I was looking at my report and noticed there was some things that was not correct. I sent a letter to Experian, XXXX, and XXXX on XX/XX/24. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a customer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning of the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-02-01
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. (GA)

I XXXX XXXX was a victim of identity theft my information was used to open a XXXX credit card and I was told by XXXX the card was fraudulently used to rent a car using XXXX. After sending XXXX a FTC identity theft report XXXX responded by saying that the card was connected to XXXX XXXX, which was also not me and was fraudulent yet they blame me for it. XXXX is violating my rights and continues to report this account instead of deleting as fraud and removing remarks from my credit. This needs to be removed from my credit immediately. This is frustrating that Im being taken advantage and they continue to REFUSE to remove this from my credit.
Consumer complaint received 2024-02-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.
Consumer complaint received 2023-07-10
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Halsted Financial Services, LLC. (FL)

XXXX XXXX reported payments more than 60 days late without informing me repayments commenced. When I contacted the servicer, I was informed that they had sent information- which they had not, dropped my credit score XXXX points and now my loan has been sold to XXXX. XXXX XXXX has also reported the account closed which also decreased my credit score. I have worked hard to improve my score for first, XXXX XXXX XXXX reported me delinquent for their {$6.00} error, and now for XXXX to erroneously report my account delinquent. 

This loan was in deferment status as well and was not under repayment status until XX/XX/2023. 

I would be grateful for any assistance in eliminating these errors that will last for seven years and are not my fault.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
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. (VA)

I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Enroll now to pay less than the full balance you owe Dear XXXX XXXX XXXX, Your account ending in XXXX charged off on XX/XX/XXXX with an unpaid balance of {$1000.00}. 

You're still responsible for this debt, but if you enroll now in a less than full balance offer, you will pay {$270.00}, which is 25.00 % of the unpaid balance. 

Once you've paid this amount, your remaining balance will be reduced to {$0.00} and all collections activities will stop. 
Your payment options : You can make one payment of {$270.00} by XX/XX/XXXX You can make monthly payments of {$45.00} by XX/XX/XXXX This agreement is not complete until finalized by us in our system which could take up to 10 days after your last agreement payment has cleared. I paid it XX/XX/XXXX Experian will not fix the account late changes off the account should not be showing a charge off I sent paper work the card was used by someone
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted XXXX 27 times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a Virginia address and I live in North nCarolina.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On XX/XX/2016, I went to XXXX XXXX in XXXX XXXX, CA, with grandsons. Walking down treacherous stairs to the beach, the stairs collapsed, and I fell with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time, the only insurance I had was Medicare. I was charged {$500.00} for an ambulance ride less than a mile to the XXXX XXXX. Since several persons had been injured on these stairs that were not safe, an attorney sued to have the stairs removed and to pay for all of my medical bills due to their improper and dangerous stairs. 

This accident changed my life for the worse. Could no longer work, and after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had no auto, no savings, and close to becoming homeless at the age of XXXX. My understanding this {$500.00} charge was to be paid since this was no fault of mine. I was not aware of it being turned over to XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, CA XXXX, Ph. ( XXXX ) XXXX. They in turn, immediately added a charge of {$490.00} to the debt, and have charged interest to this medical bill, accelerating the debt to {$1600.00}. Because of this I have not been able to purchase an auto, and it has caused me to not find rentals. I called them several times, the dates I do not remember now, since this will be 7 years old this year. I feel it was inappropriate to increase this bill from {$500.00} to {$1600.00} when due to the issues, I should not be held responsible for this debt. I spoke to the attorney that handled this case, and he did not realize this was not addressed and taken care of at that time. Any assistance on this matter would be greatly appreciated. 
Respectfully, XXXX XXXX
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I filed a fraud case against a XXXX XXXX XXXX after they attempted to scam my husband and me. Over the phone, a Bank of America rep said they would refund all of the money paid from my checking account ending in XXXX. There were three transactions that Bank of America said they would refund. Amounts were a down payment amount of {$6200.00}, and two additional monthly paid amounts of {$930.00} each. When I received the one refund for {$6200.00}, I moved the funds into another BOA account. Later on, XXXX wrote a rebuttal letter full of untruth about what happened. Bank of America reversed all funds back to XXXX ( including the {$6200.00}, which set my account into a negative balance. I wrote another response letter. This time I sent actual documented proof of the fraud. One day, as I went to check the status of my account, I discovered Bank of America shut down my account. They did so without notice or reason for doing so. Before BOA shut down my account a few deposits from my job were absorbed into the negative balance. I filed a complaint with the FTC a letter concerning XXXX. ( I have the letter as proof ). I waited for the investigation. Still no refund to me. Finally, at the end of last year ( 2021 ), I received a notice that the FTC filed a class action lawsuit against XXXX. The FTC sent me the lawsuit letter with a small check for approx. {$170.00} because I was one of the victims of fraud. I called BOA and reported the class action lawsuit with the hope of having my account restored and money owed refunded. BOA rep agreed that I would get my account restored and my money refunded back to my account. I was instructed to fax a copy of the letter and the check to them. I faxed a copy of the letter and the check to them. After waiting several days for a response or refund, I called BOA. Several times I was hung up on after explaining my situation. On other days when I called, I was switched around back and forth held in a queue for several hours. The last call I made, my call was switched between five different departments for approx. 4 hours. I has to repeat my situation each time including my name and verification process. Very frustrating because I was told I did not have to do this each time I was switched. Anyway, each dept would agreed that I would be given my money back but each dept was confused on how or what should happen next to make this happen. Each department pointed me back and forth in an infinite loop. Today, my account has still not restored and the money owed to me by BOA has not been returned yet.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT 'XXXX XXXX XXXX. 
Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX, XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance XXXX XXXX  Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) 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 IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-20
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)

Dear BUREAS, I am writing to formally lodge a complaint regarding the mishandling of a disputed entry on my credit report, specifically relating to the XXXX XXXX XXXX sold to me by XXXX XXXX. Despite providing all necessary documentation, including a Federal Trade Commission ( FTC ) report, a local police report, and a valid identification, the entry was not adequately addressed by Experian. 

As per the dispute process, I provided comprehensive evidence to support the removal of the disputed entry. It was my understanding that Experian would take the necessary steps to block and remove the erroneous information from my credit report. However, to my dismay, the entry resurfaced shortly after being deleted, indicating a failure on Experian 's part to effectively handle the dispute. 

Furthermore, it is evident that Experian 's collaboration with creditors appears to disadvantage consumers like myself. Despite clear evidence of identity theft on my report, Experian has failed to ensure the proper removal of fraudulent entries, particularly those tied to a disputed address. This refusal to rectify the situation not only undermines the integrity of the credit reporting process but also perpetuates the financial burden on innocent consumers. 

I urge Experian to promptly reevaluate my case and take immediate action to rectify the mishandling of the disputed entry. It is imperative that Experian upholds its responsibility to protect consumer interests and adhere to fair and accurate credit reporting practices. 

I expect a timely response to this complaint and a resolution that reflects Experian 's commitment to consumer rights and data accuracy. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

I got XXXX  in XX/XX/, and I have been dealing with long XXXX  symptoms since then. This impacted my ability to work and gain clients because of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I took out personal loans to try and stay afloat, but I could not cover the payments for my business card with Wells Fargo in XX/XX/. I was current on my payments on my personal card and had made nearly {$6000.00} in payments the previous XXXX months. They closed my personal card in XX/XX/XXXX  after I made my last payment of {$450.00} on XX/XX/, and expected me to keep making payments. 

I did not make any more payments as they closed my account that was current and over a decade old. I was defaulting on other payments. Wells is suing me for the XXXX XXXX. I am fighting it because they closed a current account on someone suffering from XXXX XXXX symptoms. Wells doesn't need more profits. They made XXXX XXXX last year.