davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against Experian for its repeated failure to conduct a thorough investigation into inaccurate items on my credit report and incorrect personal information, despite multiple dispute letters sent on various occasions. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I diligently submitted dispute letters to Experian, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts, I did not receive any response from Experian with the investigation results. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, such as Experian, must conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. Experians repeated failure to conduct such investigations is a violation of my consumer rights under the FCRA. 

Enclosed, you will find a copy of the dispute letters I sent to Experian as proof of my efforts to rectify inaccuracies on my credit report.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost my card around XX/XX/XXXX ( Account # XXXX XXXX XXXX XXXX Visa Signature but shown as Account # XXXX XXXX XXXX XXXX on XX/XX/XXXX closing statement ), which is currently # XXXX XXXX XXXX XXXX, and I found out about it around XXXX and then reported it lost and stolen. Apparently, I also saw another transaction on XX/XX/XXXX that wasn't mine. I had to report it to the issuer, Bank of America, and I wanted to let them know that I didn't make these charges. After a month of not hearing from the bank or getting any letters, I decided to call them back and ask for an update, and I was told that it was resolved almost 2 weeks later. After speaking with the representative, I was told by the bank that I made these charges even though I did not have the card in my possession, and so all provisional credits were reversed. I decided that I wanted to reopen the case with a police report on file, and right now it is stuck pending. 

I was told that a letter was sent out to me, but I never got the letter, and when I checked online, it didn't say anything other than a reason why it was closed. The letter said " The merchant provided documentation confirming you received the merchandise or service ''. I saw a number on the bottom of the PDF letter, and I called for information and detailed information, but I never go to that letter after requesting it over a month, so I called around the beginning of XXXX, and they said that they were still researching, but no provisional credit was issued to me. I have no information about the letter or any evidence supporting it, so I am writing it here just in case. In the claim 's history, it said, I can not pay, '' but it didn't say anything in detail or give me anything regarding it.I also filed a police report. 

Police Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-25
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
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. (NY)

These collections and charge-offs were all on settlements and after Covid, they came back and said that they all werent settled completely. I have XXXX XXXX, from XXXX XXXX XXXX handling this since then. We will submit an email or fax any info you need please contact her.
Consumer complaint received 2024-02-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (AL)

Last year, I was struggling to pay the mortgage after I came down with XXXX for a few months and couldn't work. I am a XXXX Veteran with a VA mortgage. 

I called Freedom Mortgage and they told me ( on recorded lines ) that I could take advantage of the Covid relief program and it specifically would NOT require me to pay a lump sum after it was up, nor would I have to go under a modification. The terms explicitly told to me over the recorded line was that " The several months would just be added on to the end of the mortgage and payments would resume as normal. '' I confirmed this multiple times during the call. 

Come to find out a few months later, not only had that program expired when the licensed agent told me that information, but the mortgage company wouldn't do anything about it and told me I had to pay ~ $ XXXX lump sum to catch up on my mortgage or modify it - the exact opposite of what I was specifically told. I fought with them and the best solution they offered was " we'll coach the agent so that they don't give the wrong info. '' I kept fighting it and eventually had to get a lawyer. During this time, the mortgage went unto foreclosure and legal fees were then applied on top of the lump sum. I was able to get enough money to cure the loan and bring it back to current. I verified XXXX times over the phone and even had a statement directly from Freedom Mortgage saying the loan was cured in full. 

XXXX months later, I get another letter telling me that I now owe $ XXXX in MORE legal fees! Freedom Mortgage did not know what these fees were, just that they were applied to the account. I refused to pay them and have the lawyer involved again. I am about to take this garbage company to small claims court because they keep giving me false information, they have the recordings and legal letters, and yet they refuse to back down from this racket. They told me my loan was cured, I paid off EVERYTHING in the bill from the law firm, and they keep trying to gouge me. I want action taken against these mobsters and get my extra fees refunded.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

Re : Discrepancy in Promotional Offer and Undisclosed Fee for Business Checking Account To Whom It May Concern, I am writing to formally address a matter concerning my business checking account with US Bank, which opened on XX/XX/XXXX, under a promotional offer. The terms of the offer stated a bonus of {$750.00} upon depositing an amount of {$15000.00}. 

Following the guidance of a bank representative, I deposited {$14000.00} in cash to the said account. To meet the promotional offer threshold, I further transferred {$500.00} from another checking account I maintain with US Bank, bringing the total to the required {$15000.00}. It should be noted that at no point during this transaction was I informed by the banker that the funds had to be sourced as " new money '' from an external institution. My actions were predicated entirely on the instructions provided by the bank representative. 

Additionally, I was not apprised of a {$39.00} fee associated with depositing a significant sum of cash- '' Analysis Service Charge on XX/XX/XXXX ''. I only became aware of this charge subsequently and brought it to the bank 's attention, leading to its reversal on XX/XX/XXXX. 

On XX/XX/XXXX, US Bank credited my business checking account with a bonus of {$500.00}, an amount that is {$250.00} less than the promised sum under the promotional offer. The discrepancy was not immediately apparent and was only discovered approximately a month later. 

I have engaged in multiple discussions over the past 6 weeks with the bank to seek rectification. Each time, I have been reassured that the matter was approved and that the outstanding {$250.00} would be credited to my account by the week 's end. However, XXXX weeks have since elapsed with no resolution in sight despite my best efforts to expedite a resolution. 

I respectfully urge the bank to review this matter with utmost urgency and ensure that the promotional offer is honored in full, and any discrepancies are rectified. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were 3 or 4 different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX 's, XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.
Consumer complaint received 2023-04-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Block, Inc. (WI)

My issue wasnt available in the menu presented so I chose the most applicable options. I ordered some items from XXXX online using Afterpay ( XXXX XXXX ). The order was divided into 2 shipments but I only received one shipment. USPS stated they never received it while XXXX says theres a delay and they have no idea when itll be shipped. The USPS tracking number is no longer valid because too much time has elapsed in receiving the shipment. XXXX hasnt responded to my request for a refund and Afterpay said theyll only refund me once XXXX refunds them. Im still paying for a shipment I havent received ( {$72.00} left to pay according to Afterpay ). According to the VP of communications at Afterpay, Im subject to the same protections Id have if I were using my debit card directly with the merchant instead of with Afterpay. Im wondering why, then, am I not receiving said protections in this case?
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-29
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. (PA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-29
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. (PA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-25
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)

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX BALANCE {$720.00} I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that Experian, XXXX and XXXX conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (MD)

In accordance with the Fair Credit Reporting Act. These creditors, Transworld Systems Inc., XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under the 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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.

has violated my rights. Or a list of inquiries : 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 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

My wife and I had approx {$2100.00} in fraudulent debit card transactions come out of our checking account. XXXX XXXX was notified of the transactions, they originally denied the claim without a full investigation. Apparently Chase Bank merely called XXXX XXXX without doing a full investigation and denied our debit card fraud claim. We contested XXXX XXXX denial, now they have reopened their investigation, to include our recommendation to look at ip addresses and states/addresses of the fraudulent activity. Chase has not followed the Debit Card laws in not only denying our request for reimbursement, but also failing to do a full investigation.
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

On XXXX I entered into a contract to buy a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Seller assigned the contract to Hyundai motor finance to facilitate the purchase. 

- The contract is in violation of the truth in lending act as it is missing important disclosures. 

- There has been a breach in contract as a result of the violations under TILA, Fair Credit Billing Act and state law.