davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP (FL)

I purchased XXXX XXXX that I never received and asked for my money back for services that were not received. I contacted my bank after filing an FTC report. The FTC mentioned that if my bank is unwilling to help to file this report. I contacted my bank to file a dispute or fraud. The bank took my information and said they would get back to me within XXXX business days. I received a letter saying I was denied, but there was no information on why. I contacted them again and asked for the reason, and it was unclear. The only thing the banker could tell me was it was possible to be denied based on how I sent the money ( XXXX ). I asked to speak to the department that handles these issues. They said they were not customer-facing. They said they would reach out to them on my behalf. I did not receive any details on why they would not assist me. I was very confused and was wondering if they reached out to the vendor that has not provided me with the services I purchased.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, 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 CALLED TRANSUNION AND NOTIFIED THEM XXXX  TIMES ALREADY TO REMOVE THE HARD INQUIRY DUE TO FRAUD AND NOT HAVING MY CONSENT. I THEN SPOKE WITH SOMEONE SAYING IT IS DONE AND IT WILL BE REMOVED WITHIN A FEW DAYS TO A WEEK AND STILL XXXX WEEKS LATER, IT IS STILL ON THE REPORT!!!! 

WHAT DO WE AS CONSUMER NEED TO DO TO GET WHAT WE AUTHORIZE TO BE DONE VERSUS WHAT WE DON'T .... 

THESE BUREAUS ARE A JOKE AND THINK THEY OWN US AND OUR REPORT ( XXXX )!!! 
THIS IS A MAJOR PROBLEM!
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I had sold a watch and was supposed to receive a wire for {$37000.00} as payment. I received it on XX/XX/year> and after the money had cleared and posted to my account, on XX/XX/year>, I went to send a wire out for a different watch. It was supposed to be for XXXX XXXX ( around {$30000.00} ) to a trusted watch supplier in XXXX XXXX. I had the branch leader at a branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ) send the wire. It had passed all verification methods and the wire was approved to be sent. Then, a couple hours later when I was at work, I was notified that more information was needed to verify, even though everything was provided at the branch and they had explicitly said that the wire was approved. I had figured it was due to the fact I was sending such a large wire internationally, so I provided all the information that would be needed and assured the representative that the wire was legitimate. Then shortly after, my account was put on hold and the wire was canceled anyways. I had kept calling, and I was informed that the wire that I had approved was actually what had been flagged, even though the funds had cleared and posted onto my account. Even after providing all the information that would be needed to verify, they have still decided to keep my funds held. I have been trying to work with multiple Truist representatives and they can not seem to give me a concrete answer. After being transferred to the escalation department, a supervisor told me that my account is being closed, at no fault of my own the money is on hold for account recovery. They are requiring the sender to work with his bank to try and get the money back, and have told me that they will not release the funds to me, or even send the money back to the sender. They are fully relying on the sender being able to go through their bank and recalling the wire, which is not exactly an easy thing to do. 

I had been dealing directly with a watch dealer, and he had sent the wire from his business account. From the screenshots provided, it can be seen that I have been communicating with XXXX XXXX who is the founder of a well known, established watch business named XXXX  XXXX XXXX. I had gotten his information from a prominent XXXX group for watch dealers ( XXXX XXXX XXXX ). All this information can be widely found online and through social media. Truist is refusing the release my funds to me or even sending it straight back to the sender, and is instead trying to make us jump through hoops in the name of security and protection. I have been told more times than I can count that they are doing this for my protection even after I have repeatedly assured them it was all authorized and provided them the verification that would be needed.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX I called the customer call center to cancel my business account and paid the total amount they confirmed. 

Today XX/XX/XXXX I checked the account, and it appears an amount of {$26.00} as an interest charge on purchases, XXXX month after, having explained to the bank agent I would not like an additional interest beyond scheduled amounts to be assessed, to prevent this situation, due to the illegality of the charge. 

Having already been in this situation in my personal bank account I request the authority to review this illegal charge and answer my request cancelling the {$26.00} amount.

I request such authority to review the process the bank have when a customer ask for a cancellation of a credit bank. Because from my perspective these activities affect the customers in the following manners : 1 ) The Bank is using its services for personal gain, avoiding the cancellation of a credit card at the time the customer is asking.

2 ) The customer may loss a good amount of money in the case of a major amount owed and maintain the account open without the customer notice.

3 ) The Bank should implement better security measures and quick process at this kind of requests giving the customer an accurate figure.
Consumer complaint received 2024-05-22
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. (DC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MS)

Company is in violation of federal law 15 U.S. code 1666b ( a ), which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX. )
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX : Contacted cardmember service at XXXX with the number provided on my credit report. They passed me to " XXXX '' She does not see any card number associated in their card services department. They handle companies like, " XXXX XXXX XXXX XXXX She does not have record of a card number in my name or my social. Please remove this from my credit report. Here is the info on my Experian Credit Report today : -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXXXXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX Recent payment {$47000.00} Monthly payment {$42.00} Credit limit {$25000.00} Highest balance {$18000.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Additional info Between XXXX XXXX and XX/XX/XXXX, your credit limit/high balance was {$25000.00} Contact info : Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-19
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)

According to 15 USC 1682 c and FCRA Section 605, you have violated my rights by in lawful communications. Please remove and block these debts that don't belong to me. Documentation has been provided. Addresses : XXXX XXXX XXXX. - XXXX, TX. XXXX X Cancel, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Inquiries : XXXX XXXX XXXX Reporting -March XXXX Acceptance - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened by the Thief Company or Organization : XXXX Fed. XXXX XXXX XXXX fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX or Organization XXXX XXXX XXXX XXXXt Number : XXXX - Date fraud XXXX -Date that I discovered it : XX/XX/XXXX -Wrong Dates being recorded inaccurate information. - I've never been late on my Mortgage since I obtained it. I have proof of this information as well. Something needs to be corrected at this time.
Consumer complaint received 2024-08-19
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)

An unknown address continues to appear in my credit report two of them, with an unknown name. Both addresss are not mines. This is identity theft of my adress, I have never lived at theses addresses. I need them removed. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Str Bklyn, NY XXXX XXXX
Consumer complaint received 2024-05-22
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 my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I believe Navient has a major issue with the way they are processing my payments. I have Auto-Pay set up, the payment then goes through my XXXX XXXX XXXX account/shows up as a charge in my bank account, then, fast forward a few days and I get a notice from Navient saying my " Payment Reversed '' and the loan is now delinquent. This has happened for several months now. I finally just got off the phone with both my bank and with Navient. Navient states that they have my correct Bank account number and routing number and are insisting that this is a problem with my bank. My bank shows no history of Navient trying to charge my account On XX/XX/XXXX, my loans came out of forbearance, ( Navient told me I should use forbearance rather than deferment ), knowing my account was set up for Auto-Pay prior to the forbearance, I left the account alone, knowing to be paid automatically through Auto-Pay.

On XX/XX/XXXX, I got an email from Navient stating a " FFELP 1st Delinquency Notice ''. However, my account was set up on Auto-Pay so this should not have happened. XX/XX/XXXX, I receive an email from Navient stating " Payment Not Processed '' on all of my loans connected to the Auto-Pay and also an email stating " FFELP 2nd Delinquency Notice ''.

At this point, XX/XX/XXXX I call Navient, speak to a representative and we decide to RE-ENROLL in Auto-Pay and the rep placed me on a 1 month forbearance resuming payments XX/XX/XXXX. XX/XX/XXXX, I receive and email from Navient approving my Auto-Pay enrollment success.

So, I sit back and wait thinking my payments will go through and I will be back on track with proper repayment status. XX/XX/XXXX, I get an email from Navient stating my " Auto-Pay Terminated ''. And at that point I made a DIRECT payment through my bank account that showed up in my bank account, which was then later " Reversed '' by Navient. XX/XX/XXXX, I RE-ENROLL for Auto-Pay a SECOND time and receive an email from Navient stating " Auto Debit Enrollment Approved ''. XX/XX/XXXX, I get an email from Navient " Payment Not Processed '' on ALL of my loans.

I just called Navient and they suggested I make a payment using my debit card over the phone, which I did. They insisted that it was an error on my bank or my part.

I am frustrated beyond belief. I am trying to honor my repayments and maintain a good standing but Navient is making it EXTREMELY difficult to repay my loans. I believe there is an error in their payment processing system.
Consumer complaint received 2024-05-22
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)

Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.
Consumer complaint received 2024-05-22
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. (VA)

Im still receiving emails for the bureaus saying im helping credit repair companies which is NOT RUE. I am the one who sent out my letters. please make an action now! or i will sue you. heres the list of negative accounts and inquiries i want to remove Experian : XXXX Account Number : XXXX {$760.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$760.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (OK)

On XX/XX/year> a personal loan was open under my name through Affirm who inform XXXX the reported address applied with this loan was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have never applied for this loan, and have never lived at this address. I tried to dispute this loan as fraud but XXXX said that all information was reported correct by affirm. Even though I have never reported living on this location and have no idea what the account number that is associated with this affirm loan. This loan is only reported on XXXX as well as the address.
Consumer complaint received 2024-05-22
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.