davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
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: EQUIFAX, INC. (MO)

To Whom It May Concern, Your recent business practices have been distasteful, reckless and irresponsible. The dereliction of your lawful duties to protect my consumer credit report from inaccurate information represents either the willingness to participate in fraudulent activity or malicious incompetence by your companys staffed employees. My disputes have not been taken seriously. 

This letter is a formal complaint addressing the reporting of inaccurate and incomplete credit information within my credit profile. I am deeply concerned that inaccurate information has been included in my credit report, and its distressing that theres been a failure to uphold reasonable procedures to ensure the maximum possible accuracy in the credit reports published. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), theres a federal obligation to verify the authenticity of any and all accounts posted on a credit report by physically verifying the original signed consumer contract. Failure to do so opens the possibility of fraudulent accounts being included through fax, mail, or email submissions. 

I demand verifiable proof, such as an original consumer contract bearing my signature, for the accounts listed below. Failure to provide this proof signifies a violation of the FCRA : The following accounts are not associated with me and indicate potential identity theft or fraudulent reporting : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry from : XXXX  XX/XX/2022 I demand immediate removal of these accounts from my credit report. 

I am also invoking FCRA Section 605B, which specifically addresses identity theft and the obligation of credit reporting agencies to block fraudulent information resulting from identity theft. Given the inclusion of current and previous accounts that do not belong to me, I urge an immediate investigation into potential identity theft concerns and request that these fraudulent entries be blocked from my report. 

Moreover, I respectfully request proof of these alleged items, specifically the contract, note, or any instrument bearing my personal signature. Failing that, these items must be promptly deleted from the report. The inclusion of such entirely inaccurate and incomplete information represents a serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. I also request that the description of the procedure used to determine the accuracy and completeness of the information be provided within fifteen ( 15 ) days of the investigations completion. 

Furthermore, I demand the names, addresses, and telephone numbers of each credit grantor or other subscriber to my credit report. 

Your immediate attention to this matter is imperative to rectify the potentially fraudulent entries affecting my credit report.
Consumer complaint received 2024-01-06
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. (MO)

To Whom It May Concern, Your recent business practices have been distasteful, reckless and irresponsible. The dereliction of your lawful duties to protect my consumer credit report from inaccurate information represents either the willingness to participate in fraudulent activity or malicious incompetence by your companys staffed employees. My disputes have not been taken seriously. 

This letter is a formal complaint addressing the reporting of inaccurate and incomplete credit information within my credit profile. I am deeply concerned that inaccurate information has been included in my credit report, and its distressing that theres been a failure to uphold reasonable procedures to ensure the maximum possible accuracy in the credit reports published. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), theres a federal obligation to verify the authenticity of any and all accounts posted on a credit report by physically verifying the original signed consumer contract. Failure to do so opens the possibility of fraudulent accounts being included through fax, mail, or email submissions. 

I demand verifiable proof, such as an original consumer contract bearing my signature, for the accounts listed below. Failure to provide this proof signifies a violation of the FCRA : The following accounts are not associated with me and indicate potential identity theft or fraudulent reporting : XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry from : XXXX XX/XX/2022 I demand immediate removal of these accounts from my credit report. 

I am also invoking FCRA Section 605B, which specifically addresses identity theft and the obligation of credit reporting agencies to block fraudulent information resulting from identity theft. Given the inclusion of current and previous accounts that do not belong to me, I urge an immediate investigation into potential identity theft concerns and request that these fraudulent entries be blocked from my report. 

Moreover, I respectfully request proof of these alleged items, specifically the contract, note, or any instrument bearing my personal signature. Failing that, these items must be promptly deleted from the report. The inclusion of such entirely inaccurate and incomplete information represents a serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. I also request that the description of the procedure used to determine the accuracy and completeness of the information be provided within fifteen ( 15 ) days of the investigations completion. 

Furthermore, I demand the names, addresses, and telephone numbers of each credit grantor or other subscriber to my credit report. 

Your immediate attention to this matter is imperative to rectify the potentially fraudulent entries affecting my credit report.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I have trying to get information regarding disputes from Experian. When I do it electronically and via mail. EXPERIAN tells me, the consumer, they will not investigate the matter again. And they will not share the information on how they investigated it.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I recently had 2 XXXX accounts that was in collections removed from my credit report and deleted because the debt was not valid. One account was XXXX XXXX ( acct # XXXX ) the other account was XXXX XXXX XXXX ( acct # XXXX ). Today I received a inaccurate derogatory mark on my fico report, reported from EQUIFAX for late payment history related to these deleted accounts. I did not pay a balance that was owed to get these accounts removed, the late payment were associated because the debt was invalid. This type of negative reporting is prohibited by the Fair credit reporting act!!. I request to IMMEADIATELY remove the late payment history that is associated with these deleted accounts so my credit report reflects accurate by law. 
In accordance with the fair credit reporting act converging account # 's XXXX & XXXX has violated my rights again. 
15 U.S.C 1681 section 602a states the right to privacy.

15 U.S.C 1681 section 602a section 2 also states a consumer reporting agency can not furnish a account without my written instruction or consent. 
Under the FCRA ( Fair Credit Reporting Act ) prohibits this type of negative reporting to ensure fairness, accuracy, and privacy of the consumer credit information.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, 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)

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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2017-12-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation (IL)

I was approved for an installment loan in the amount of {$3000.00} back inXX/XX/XXXX ; after losing my Job in XX/XX/XXXX and unable to continue my monthly amounts, I stopped making payments. 
In XX/XX/XXXX, after doing temporary work for the next 2 years at a lower salary, I renegotiated a lower amount of {$120.00}, but was unable to continue due to unemployment thru XX/XX/XXXX. 
In XX/XX/XXXX, after finding a full time permanent position, I contacted AVANT, AGAIN and renegotiated another payment arrangement of {$140.00} for 8 months as a settlement amount of {$1000.00} to finally settle and pay this loan. I was making my monthly payments as scheduled until back in XX/XX/XXXX, I received a notice from AVANT stating the agreement was null and void, I has missed making one payment iby the due in XX/XX/XXXX ; I had emailed Avant to let them know this payment would be late. I made the XX/XX/XXXX payment up in late XXXX by making two payments in XXXX XXXX. The loan was due to be settled as of XXXX XXXX, my credit report updated and loan settled as paid. I was like WOW, I was so close to having this thing done and paid, when they pulled this and my credit file was to be update SETTLED and PAID!!!
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear cfpb This is a complaint about the bad behavior of wells Fargo bank using tactics to not deal with customer disputes. 

Because I have had XXXX such experiences last year, this disgusting bank will delay time, push the responsibility to the customer for not providing evidence, until the case expires and gets away with it, they will change back from the merchant, and then tell the customer that this dispute failed because you did not provide evidence, thus embezzling these funds. 

Wells Fargo bank opening fake accounts, manipulating mortgage loans, charging unjust fees, and other illegal activities. 

This time I encountered the same problem, raised a dispute again, after XXXX months of no reply, I called to inquire today, the customer service actually asked me you did not provide evidence, please tell us the information. They are going to use the same means to embezzle the funds of customers and merchants. 

I hope the authorities intervene and give a severe crackdown. 

XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX - XX/XX/2021 XXXXXXXX XXXX  - XX/XX/202XXXX XXXX XXXXXXXX - XX/XX/2021, 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 2024-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX stated in writing dated XX/XX/2023 that they were unable to validate my claim # XXXX for the following reasons YOU ARE ACTIVELY USING THE ACCOUNT BY MAKING DEPOSITS AND PERFORMING TRANSACTIONS. This statement XXXX has stated is not accurate.I demand method of verification showing I XXXX XXXX the consumer ACTIVELY USING THE ACCOUNT BY MAKING DEPOSITS AND PERFORMING TRANSACTIONS.The phrase YOU ARE ACTIVELY defines is happening right now or because of conscious effort, or a little of both. XXXX XXXX XXXX XXXX. Chexsystems did not allow me the consumer XXXX XXXX to challenge XXXX statements of the inaccurate account to be reported.This action is in no FAIRNESS to I the consumer XXXX XXXX.I find Chexsystems and XXXX in violation of THE FAIR CREDIT REPORTING ACT 15 USC 1681. Act 15 USC 1681 promotes ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION. XXXX also stated ACCOUNT STATEMENTS WERE SENT TO YOUR ADDRESS OF RECORD. I XXXX XXXX never received any statements from XXXX to my address. I also demand proof of mail delivery meaning certified mail and signature from me the consumer XXXX XXXX receiving statements.
Consumer complaint received 2024-01-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MA)

The company name is XXXX they charging me something that I dont owe they an offer that I sent my XXXX XXXX and XXXX and they sent me my XXXX XXXX then now they charged almost XXXX I dont know why thats not fair cause we had a deal. Thanks
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Investigation on dispute XXXX Took longer than the allowed 30 days and is still listed as ongoing. Please delete disputed accounts since the agency did not comply by verifying and updating listed accounts by the deadline as stated by the fair credit reporting act.
Consumer complaint received 2024-01-05
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 (OR)

I had an unauthorized transaction on my Bank of America credit card on XX/XX/2023 in the amount of {$620.00}. I've filed a chargeback with Bank of America regarding the charge and it was denied because the transaction matches " previous charges I've had with XXXX XXXX ''. 

I have purchased from XXXX XXXX before and made several purchase for XXXX. The {$620.00} does not match any of my online or in store transactions. 

Bank of America refuses to investigate further and will not refund my {$620.00}. 

I've contacted XXXX XXXX and they can not help with anything associated with the charge because it was not through a XXXX XXXX credit card and have asked me to contact Bank of America.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I am writing to express my concerns and seek a resolution regarding recent interactions with your agency concerning accounts falsely attributed to me. I have been in contact with your agent, XXXX ( ID : XXXX ) I have repeatedly informed your representatives that these accounts are not mine and have requested verification documents to substantiate the claims associated with them. Despite my clear communication and requests for evidence, I have yet to receive any such verification. Instead, I am met with prolonged holding times often exceeding 30 minutes, only to have the calls disconnected without resolution. 

The insistence on immediate payment for these unverified and inaccurate debts is not only distressing but also unacceptable. The lack of response and failure to provide necessary documentation leaves me in a position where I am unable to resolve this matter effectively. 

I am requesting immediate removal and update of these erroneous accounts from my records. It is imperative that this issue is addressed promptly to avoid further inconvenience and potential harm to my financial standing. 

I expect a written response confirming the removal of these accounts and an update on the steps taken to rectify this situation. Your cooperation in resolving this matter efficiently is highly appreciated. 

Thank you for your prompt attention to this matter. I look forward to a resolution at the earliest convenience.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

My credit card information was stolen and used to make a purchase I did not authorize. I have filed 3 disputes, with proof and am still being denied reimbursement. The invoice attached shows the item was not sent to my home address as listed on my bank account.
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MN)

I was denied a home loan by Wells Fargo after submitting multiple consumer credit/loan applications with branch employees in XXXX XXXX, NV in XX/XX/XXXX. I have received emails from the institution for years warning me of various account changes despite my not having any accounts that I know of with them. I received emails stating my account was opened, changed, debited ( overdrawn ), or somehow accessed ever since submitting those applications for loan products ( mortgage/home loans ). These emails looked very legit and came as regularly as any open account would receive notice from the bank. I reviewed them for phishing and while they looked legit, I knew I did not open any accounts on the few occasions I entered the bank 's branches and submitted apps or inquired about products even though each visit required I provide the bank 's staff with my personal information including copies of identification. I believe the fake account has created a negative impact on my credit score, ability to obtain credit, and ability to obtain fair lending as over the years I have seen various transactions on my credit reports that refer to Wells Fargo but I assumed were errors. There were home loans in excess XXXX , auto loans for thousands and collections charges for accounts that were closed with Wells Fargo connected to them. I disputed the reports informally but with time restrictions on how long items sit on credit reports, some of those charges have automatically been removed from my credit report. 

I learned of the fraudulent accounts created in XX/XX/XXXX and am aware that some citizens hurt by this scam at Wells Fargo may have never even actually owned an account. Some may have been victimized in the ways in which I was victimized by taking my identity and opening the accounts after refusing me service/products at the counter. Initially, I believed it was a matter of discrimination based on race/gender/ethnicity and I still believe those things may have played a factor in my denied loan applications and resulted in the fraudulent account assigned to my name that resulted in email notifications about the account activities and credit reporting.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a real estate development company. Regularly deposit and make payments in the {$10000.00} to over {$100000.00} range. I use A Truist account for all disbursements even though I have a real estate development loan with another bank. Friday XX/XX/XXXX I deposited an {$80000.00} check from my account at XXXX XXXX into my account at Truist. Truist places a {$73000.00} hold on my account till XX/XX/XXXX. 

XXXX is happy to provide proof that the check is covered. They can not stop payment on the check since it has already cleared. Truist is unwilling to lift the hold. They have stolen my money over the XXXX holiday so many vendors go unpaid, my project is stalled and I incur finance charges and have to deal with upset purchasers, investors and vendors. 

There is apparently no way to cure this administrative hold. There should be.