davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Request for Reevaluation of Disputed Transaction - Claim IDs : XXXX and XXXX I am writing to request reevaluation of a disputed transaction and to express my concern regarding the closure of my disputed transaction cases, specifically claim IDs XXXX and XXXX. Despite providing substantial evidence and documentation to support my claims, both cases were closed without proper consideration. 
The first claim, initiated on XX/XX/2024, under Claim ID XXXX, was opened to dispute a transaction made on XX/XX/2024 in the amount of {$2000.00} after not receiving the credit I was promised on XX/XX/2024 and contacting the merchant several times with no resolution. The merchant acknowledged the return and issued a refund, as per the receipt issued on XX/XX/2024. It is important to note that the merchant 's return policy clearly states that returns are accepted within 30 days. 
To my disappointment, the first claim was closed without any explanation or consideration of the supporting documentation provided. Subsequently, on XX/XX/2024, I called Bank of America to inquire about the closure of the initial claim. I was informed that an error had occurred, leading to the creation of a new claim under Claim ID XXXX. 
Regrettably, the second claim, along with the additional supporting documents I provided, was promptly closed without proper review or consideration. This lack of attention to the evidence undermines my confidence in Bank of America 's dispute resolution process. 
Attached to this letter, you will find the supporting documentation that was not considered during the recent claim closures. These documents serve as clear evidence that the item in question was returned within the designated time frame, and a credit of {$2000.00} is rightfully owed to my XXXX card ending in XXXX, which is linked to my Bank of America debit account. 
Considering the existence of two separate claims and the attached strong evidence, I kindly request that Bank of America reevaluate both cases, under Claim IDs XXXX and XXXX, and provide a detailed explanation as to why they were closed without proper consideration of the submitted documentation. It is essential that my concerns are addressed, and a fair resolution is reached. 
Furthermore, I would appreciate a clear explanation of the steps taken during the initial investigation, as well as clarification on how the supporting documentation was evaluated. If any additional information or documentation is required, please let me know promptly so that I may provide it to facilitate a thorough review of my cases.

I look forward to your prompt attention to this matter and a fair resolution. Should you require any further information or clarification, please do not hesitate to contact me at the provided email address or phone number.
Consumer complaint received 2024-03-27
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

In accordance with the Fair Credit Reporting Act, all the purported creditors have violated my rights. Under 15 USC, 1681, Section 602 insures my right to privacy.

Under 15 USC, 1681, Section 604A, subsection 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC, 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

I demand all of these unauthorized reportings to be removed from my credit record immediately. 

Sincerely, XXXX XXXX XXXX, XXXX. BENEFICIARY
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Request for Reevaluation of Disputed Transaction - Claim IDs : XXXX and XXXX I am writing to request reevaluation of a disputed transaction and to express my concern regarding the closure of my disputed transaction cases, specifically claim IDs XXXX and XXXX. Despite providing substantial evidence and documentation to support my claims, both cases were closed without proper consideration. 
The first claim, initiated on XX/XX/2024, under Claim ID XXXX, was opened to dispute a transaction made on XX/XX/2024 in the amount of {$2000.00} after not receiving the credit I was promised on XX/XX/2024 and contacting the merchant several times with no resolution. The merchant acknowledged the return and issued a refund, as per the receipt issued on XX/XX/2024. It is important to note that the merchant 's return policy clearly states that returns are accepted within 30 days. 
To my disappointment, the first claim was closed without any explanation or consideration of the supporting documentation provided. Subsequently, on XX/XX/2024, I called Bank of America to inquire about the closure of the initial claim. I was informed that an error had occurred, leading to the creation of a new claim under Claim ID XXXX. 
Regrettably, the second claim, along with the additional supporting documents I provided, was promptly closed without proper review or consideration. This lack of attention to the evidence undermines my confidence in Bank of America 's dispute resolution process. 
Attached to this letter, you will find the supporting documentation that was not considered during the recent claim closures. These documents serve as clear evidence that the item in question was returned within the designated time frame, and a credit of {$2000.00} is rightfully owed to my XXXX card ending in XXXX, which is linked to my Bank of America debit account. 
Considering the existence of two separate claims and the attached strong evidence, I kindly request that Bank of America reevaluate both cases, under Claim IDs XXXX and XXXX, and provide a detailed explanation as to why they were closed without proper consideration of the submitted documentation. It is essential that my concerns are addressed, and a fair resolution is reached. 
Furthermore, I would appreciate a clear explanation of the steps taken during the initial investigation, as well as clarification on how the supporting documentation was evaluated. If any additional information or documentation is required, please let me know promptly so that I may provide it to facilitate a thorough review of my cases. 
I look forward to your prompt attention to this matter and a fair resolution. Should you require any further information or clarification, please do not hesitate to contact me at the provided email address or phone number.
Consumer complaint received 2023-10-31
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: Mobiloans, LLC (CA)

I am disputing following companies for unauthorized inquiries I had no knowledge of up until this point. I am a victim of identity theft and will provide docs of the many submissions i have placed to prove that my account has been tampered and. I am trying to clear my report and this includes erasing these inquiries that wasnt authorized by me
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1600.00} ; XXXX XXXX Balance Owed : {$0.00} ; CHILDSUPPORTXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00}.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

My personal belongings were stolen from me in XXXX, CA in XXXX of 2017. including my photo identification, medical card, social security card and bank cards. I recently ran my credit report as i am trying to buy a house and i have noticed collections, purchases and inquiries that I did not personally make or have any knowledge of. I just recently found out how to go about identify theft and am now taking the proper steps to get this handle.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

Monthly social security deposit made available anywhere from the XXXX through the XXXX of every month. It shows up in my online account and Im given access to it. Never do I usually see my ending daily balance in the negative until I scroll through. So Im given access to my money on the XXXX but Wells Fargo isnt posting it until the third so anything I spend between the XXXX and the third is technically looking like Im over drawing. This month my deposit of XXXX was made available on the XXXX. My ending daily balance on the XXXX th was XXXX i paid bills spent money and on the XXXX I was negative XXXX was my ending daily balance. So on XX/XX/XXXX they posted my deposit of XXXX but with deposits that still dont equal to my ending daily balance on XXXX of XXXX. I rented a car and saw the transaction post the same day when I turned the car in I waited for my deposit hold to be returned and when it wasnt I checked my online account to find the transaction and could no longer find it post. I called and spoke to a representative. I was told that the rental car company hadnt charged me a hold and never took it outta my account. That they would debit my account after I turned the car in which is untrue. I tried to rent the car for a week and with the deposit hold and the actual amount being put on hold was more then what reflected in my account so my card was declined due to insufficient funds. I have the text that it sent me. I shorted my time and ran my card again. XXXX was taken to put on hold. When I turned the car in my final charge was XXXX. XXXX told me my remainder was released on the XXXX of XXXX. Wells Fargo finally posted the withdrawal on the XXXX. I have gone back through my bank statements and have noticed a lot of things that dont add up. I have on income and thats XXXX every month some of my statements reflect total monthly deposits of XXXX and total withdrawals will be just a few dollars short of this deposit transactions through the month. Im now negative XXXX and am being charged XXXX dollars for each transaction they say was overdrawn. When I get my check again all of it will be gone. Ive called Wells Fargo and made a fraud claim when I was transferred to an investigator I was hung up on.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

A scammer accessed my Wells Fargo bank account and transferred funds from my checking, savings and credit card accounts. The bank would not accept my statement about the fraud. The bank also allowed transfers to occur from my bank credit card even after the credit limit on the card was exceeded by {$17000.00}. They never called to question the charges or shut the card down. Now they hold me Liable for a {$36000.00} credit card bill when the statement showed a balance of {$400.00} in XXXXXXXX XXXX
Consumer complaint received 2023-12-06
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. (LA)

In accordance with the Fair Credit Reporting act the following accounts listed below 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 an account without my written instructions. 

I ask that these fraudulent accounts be removed from my credit file immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
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. (TX)

In accordence with the fair credit reporting act XXXX  Account # 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (ID)

Upgrade credit card company inaccurately reported to credit bureaus that I was 30 days late on a card payment ending in # XXXX, when I was not 30 days late, which Upgrade verified when I called them after seeing the XXXX point decrease in my credit score with XXXX on XX/XX/year>, and XXXXpoint decrease in XXXX credit score on XX/XX/year>. This is the second time this has happened with Upgrade, and then taking forever to have them remove from my credit. The decrease in credit score and time of mine to have to deal with, report, make multiple calls, and endure such a decrease in credit and all the repercussions. Upgrade should not be allowed to keep doing this, FOR FREE, no payback or compensation, or anything affecting them from continuing to do this that affects other people extremely when its an absolute lie that I was 30 days late on a payment not once but twice. This is not OK to take my time that I dont get paid for and take my credit score that now Im not allowed to use for essentials that might be needed. Im submitting screenshot images to verify what Im saying. Also, Upgrade did verify I was not late on any payments 30 days and they also said they didnt report it to credit and told me I had to call XXXX XXXX and XXXX because it was on them after talking with them they absolutely say its not and that Upgrade did report it which I do believe because as I said, this is the second time theyve done this and should not get away with it anymore. My credit score should be risen even more.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

BOA closed my checking and saving account on XX/XX/2024. Their XXXX told me they would give the money back to me through a check. And I received the check ( around {$500.00} ) from my checking account on Monday ( XX/XX/2024 ). But i didn't receive the check ( more than {$34000.00}, i can not remember the number. ) from my saving account. They just told they dont know the reason when I asked them why they closed my account. I thought at least they should give me a reason. Let me know what happens!
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (GA)

I sent letter by mail requesting validation of said debt but have not received any correspondence from the company as proof that I owe the debt. I did not sign a contract with Wakefield and Associates in reference to any debt by Wakefield and Associates. Pursuant to the Fair Debt Collections Act ( 15 USC 1692 et. seq )
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am responsible for this one and it should only be showing once. 
XXXX. XXXX XXXX XXXX. XXXX XXXX I am not utilizing any of these institutions and has never conducted any business with them.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, Account # XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: United PanAm Financial Corp. (NY)

on XX/XX/2023 i tried to put in another application that a untied auto credit worker " XXXX '' told me to put in because the previously told me to put in because the first application with stated on my file that the contract was returned when they never even approve the first contract because the car dealership sold me a car with the transmission was gone. It wasn't able to drive and I was with my XXXX kids so I go and fill out another application and gets rejected and it got rejected because it says contract return now XXXX told me the underwriting department was going to fix the issue today XX/XX/2023 I speak to a supervisor. Tell him the issue Oh yeah, this is why and we can't fix the issue then while on the phone with a supervisor, they remove what was noted on file stating that contract was returned and then switch it to be O can't verify my income. Now the application was denied from the get-go that a contract was returned. Now they go and remove that note and put some other note up there that wasn't the issue from the beginning so now I can't get a loan at all. Force information was told to me and I would like this issue to be resolved because it's stopping me from getting the car loan they told me they was going to fix it and never fixed it and now they switch the whole cell and put a different note up there which was false information. They wanted income to be verified, but never ask for the proof.
Consumer complaint received 2023-12-05
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. (MO)

XXXX, XXXX and experian are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )
Consumer complaint received 2023-12-05
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. (GA)

I pulled my credit report on XXXX XXXX  when I noticed some information being reported inaccurately on my credit report on a few of the CRA agencies from inquiry to accounts, public records, negative marks. these companies have been violating so many FCR and me as the consumer. Under 15US. Code 1681 ( B ) 15 usc 1681s-2. FDCPA 15 US.Code 1692 1
Consumer complaint received 2023-11-10
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. (NM)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 XXXXXXXX