davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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 reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute. XXXX XXXX XXXX XXXX. Please remove this account immediately.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX I disputed inaccurate late payments on my credit report. I disputed the XXXX on my credit report, I asked to send roof that I was ever late, I never received a notice in 21 days stating my payments were late.
Consumer complaint received 2024-05-15
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

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 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 2024-05-15
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)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-15
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. (FL)

I am writing to formally request the cessation of reporting my credit information in accordance with my right to opt out under 15 U.S.C. 1681 and 15 U.S.C. 6802. Additionally, I request the removal of any past, present, and future credit information related to my accounts from all credit reporting agencies. Below are the details of the accounts I hold with your company and the credit reporting agencies they are associated with : Account Details : Account 1 : XXXX  [ Experian ] : XXXX - {$5000.00} XXXX [ XXXX ] : XXXX XXXX, XXXX. [ XXXX ] : XXXX Account 2 : XXXX  [ XXXX ] : XXXX - {$910.00} Account 3 : XXXX XXXX  [ XXXX ] : XXXX - {$1800.00} Account 4 : XXXX XXXX XXXX [ XXXX ] : XXXX - {$0.00} Account 5 : XXXX XXXX XXXX [ Experian ] : XXXX - {$1800.00} XXXX XXXX  XXXX  [ XXXX ] : XXXX - {$1800.00} Account 6 : XXXX XXXX [ Experian ] : XXXX - {$11000.00} / ACCOUNT BALANCE : {$300.00} XXXX XXXX [ XXXX ] : XXXX XXXX XXXX [ XXXX ] : XXXX In addition to ceasing the reporting of my credit information, I request the removal of any past and present information related to these accounts from all credit reporting agencies. Furthermore, please ensure that no future information about these accounts is reported. 

I also request the removal of any address from my credit reports that does not match my current address : XXXX XXXX XXXX. 
XXXX, FL XXXX Please confirm in writing that you have received this request and that all relevant information will be removed and no longer reported. Additionally, please notify the relevant credit reporting agencies to remove my information from their databases and to update my address information accordingly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update these accounts as well : XXXX XXXX XXXXI contacted the company via phone call and they agreed to update the account to reflect open/not late status. Please update your records. 

XXXX XXXX XXXXThe balance is reported wrong. Please update the account to closed and the balance to {$0.00}.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: South Carolina State Housing Finance and Development Authority (AL)

I sold my home in XX/XX/year>. As the loan had been " paid off '', the lender later sent me an escrow refund in XX/XX/year>. In XX/XX/year>, I was notified that there was a lien on the property and was told that I owed XXXX. I was told it was due to a returned payment for a check on XX/XX/year> due to insufficient funds. I pointed out that I had corrected the error and made a payment that had gone through successfully on XX/XX/year>. I was then told that I was credited for both payments when the lender provided the payoff amount to the attorney. I closed on XX/XX/year>. Per the lender, they weren't aware the check was returned until XX/XX/year>. In addition, the supervisor of the mortgage department stated they weren't aware of the negative balance on the amount until XX/XX/year>. I suspect this may have been due to some type of internal audit. Now, they expect me to pay XXXX for a house I no longer live in or have any claim. I feel as though I'm being penalized for the lender 's error.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

Code 4837 code 83-cardholder is claiming that they did not authorize or participate in a card-not-present transaction, and therefore it must be fraudulent. 

XX/XX/year> I regain full access to my chime account. 
XX/XX/year> I filed disputes for the amount of {$6900.00}. 
I spoke with the chime dispute manager. Both disputes were denied. 

I filed a police report due to unauthorized transactions in a different state. Manager explained to me to produce more evidence for my case. 


code 10.1 indicates an improperly authorized transaction, and reason code 10.4 indicates that the cardholder claims they didn't authorize a card-not-present transaction. Merchants can represent the transaction and reverse the chargeback with compelling evidence if they believe they've received an invalid chargeback.
Consumer complaint received 2024-05-15
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. (MO)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo in XXXX just finished a small facility, where there is limited parking and XXXX room to view contents of a safety deposit box. I needed to organize and sort through the contents of my box, and they told me that I am only allowed XXXX minutes. Are you kidding? We pay over {$120.00} a year for the safety deposit box and should be able to access whenever they are open and for as long as we need to. I am extremely frustrated with Wells Fargo and the lack of customer service. They need to be held accountable.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (CA)

Subject : Cease and Desist All Communications Regarding Progress Card # XXXX XXXX XXXX **** Dear First Progress Bank, I am writing to formally request that you cease and desist all communications with me through any and all mediums, including but not limited to phone calls, emails, text messages, postal mail, and any form of electronic communication concerning the above-referenced account. This request extends to any reporting or updates on my consumer report. remove inaccurate account immediately Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes for the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to inform them that no further efforts will be made, or to notify them of specific legal actions that may be undertaken.

Specifically, 15 U.S. Code 1692c ( c ) states : " ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' The term " communication '' as defined under 15 U.S. Code 1692a ( 2 ) includes any conveying of information regarding a debt, directly or indirectly, through any medium. Therefore, any attempts to contact me regarding this account, including any updates or reports to credit reporting agencies, must immediately cease.

Please consider this letter as my formal notice under 15 U.S. Code 1692c ( c ) that I refuse to pay the alleged debt and request that you cease all further communication with me regarding this matter. Any further contact by your office or any representatives of First Progress Bank will be considered a violation of the FDCPA, and I will take appropriate legal action.

I expect written confirmation that you have received this letter and that no further contact will be made.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (SC)

I was texted by this company. 

As a result I called and told the representative I do not have any outstanding debt collections. She stated it was for some woman named XXXX and asked if I knew here. I told her no, I am not that person, and I do not know her and to take me off their contact list. I also stated it is illegal to call someone who isn't the intended recipient for the debt and also ask for the information she was requesting. I also stated I am reporting her to the FTC, CFPB, and the police. 

She was very rude and continued to ask about XXXX 

I told her to XXXXXXXX XXXX  and to tell her XXXX XXXX owner to XXXXXXXX XXXX and stop contacting me and hung up.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Froze my Equifax account about eight months ago in an attempt to stop fraudulent credit checks, and incorrect reports harming my account at all. I then made an effort to unfreeze my Equifax account about six months ago, when I was moving. I was able to move, but the freeze was still on my account. I contacted Equifax about the freeze and was told that they would send me documents to unfreeze my account and verify my info. I was told it would take 6-8 weeks for the documents to arrive. They never arrived. I tried to contact Equifax earlier today about the same issue, as I have been trying to adopt the bills for my new residence in my own name, so the property management would not have to pay for my account. I called Equifax and was asked for an incredible amount of information, about my SSN, DoB, former loans, and credit lines. After answering all of these questions, I was told I would have to send a copy of my driver 's license and my SSC to Equifax for verification.

Since the documents they supposedly sent were all lost, I am not inclined to send any sensitive information through the mail, especially when I need to access my account today and begin utilizing it. I asked to speak to managers and supervisors when I was on the phone with Equifax, but I was eventually hung up on, by someone I don't believe I ever talked to. I was on hold to talk to a manager that was two positions higher than the person who I initially talked to on the phone, so I assume the manger there has no real concern for the consumers they are supposed to be serving. I have been trying to get my own credit report unfrozen and usable for the past six months, with Equifax actively working to make sure I am unsuccessful. They knew that if they hung up, I would have to fight through that whole process of giving info again, and most people can't deal with that much stress, especially when working six days a week and taking some time from having a single day off to try and solve this issue.

I need assistance in getting my account unfrozen, because it seems obvious to me that Equifax has no interest in doing so. I've talked to about nine " different '' people on the phone for them, and I have not had anyone give me any information, or really, any help at all regarding this manner. They all read form a script and try to placate me as if I am ignorant of how things work. I understand how things work, and I understand that if I were to send my information in the mail, I would probably find myself in this situation again after heaving my info stolen. I am not volunteering my information to whomever finds the copies on my driver 's license and SSC. I need my credit account unfrozen, especially when I've literally given them my credit history and have spent over ten hours on the phone with people who seriously do not care at all about the people to which they're responsible.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (PA)

it is company policy to charge the fees an interest to the account instead of from your payment. now i am over again to the tune of XXXX dollars i paid almost XXXX this month so far. Their practice will keep you in debt and never let you get paid up this way they should like normal company 's take the interest and fees and subtract it from the payment. I am just going to get to the point where I will not be able to pay it anymore. They only gave me the card if i paid a fee. I always pay on time but i can not handle their way of doing business it is not fair, and i can never get caught up it was a XXXX account that became XXXX but i owe XXXX and with each payment the debt increases. Also why do they take out a dollar every so many days a month.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft. There is a XXXX collection on my experian report that does not belong to me. It was removed in 2022 but is appearing back on my credit. Ive proven time and time again that this XXXX  not my debt.
Consumer complaint received 2024-05-15
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my account and took my money due to checking account fraud. I was a victim of Identity theft. Someone opened an account at XXXX XXXX and apparently did fraudulent transaction. My XXXX XXXX XXXX report said the accident took place on XX/XX/2022. So Bank of America closed my account and refused to give me my money back. Unless the XXXX XXXX recall the a wire that came from now closed checking account. I closed my XXXX XXXX account because someone hacked my account. XXXX XXXX told me to withdraw my money and thats what I did. I wired the money to Bank of America but they froze my account and took my money. I already disputed the fraudulent account with XXXX XXXX. XXXX XXXX said they couldnt recall the wire because it wasnt fraudulent and the account is closed. Now I cant open a checking account anywhere due to Bank of America false accusation. I have the voice recording and emails from both banks stating what I just mentioned. Its been over 3 months. Bank of America is giving me the runaround. The enterprise complaint would called me after hours so I couldnt call back. They dont reply to voicemails nor emails.
Consumer complaint received 2024-07-08
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. (TX)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 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 on those accounts 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 XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX 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