davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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: AMERICAN EXPRESS COMPANY (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (IN)

I buy car but as loan fron XXXX XXXX XXXX 5 days I tried to return but they don't wan4 I keep back and forth but they don't want return then they sent balance of Car remaining XXXX And they give bad credit I need to reduce at the amount considered I rent why they don't that
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX To Whom It XXXX Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MO)

Dear Sir/Madam, I am unaware of this debt. 
I am writing to dispute the validity of the debt you claim I owe, as I have never received any notice regarding this debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of the debt within five days of the initial communication. However, I have not received any such notice from your agency.

Without proper notification, I am unable to verify the accuracy or legitimacy of the debt in question. Therefore, I demand that you provide me with documentation supporting the existence and validity of this debt, including the certified receipt proof of the initial notice sent to me with my signature on it showing i received the proper notification. 

Until such time as you can provide adequate documentation and verification of this debt, I consider it disputed and request that you cease all collection activities. 

Please respond to this dispute in writing within 10 days, as required by law.
Consumer complaint received 2023-09-11
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-11
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo incorrectly charged overdraft fees on debit and ATMXXXX through 2015.Atm debit card fees {$3.00} per transaction.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc. (MO)

Dear Sir/Madam, I am unaware of this debt. 
I am writing to dispute the validity of the debt you claim I owe, as I have never received any notice regarding this debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of the debt within five days of the initial communication. However, I have not received any such notice from your agency.

Without proper notification, I am unable to verify the accuracy or legitimacy of the debt in question. Therefore, I demand that you provide me with documentation supporting the existence and validity of this debt, including the certified receipt proof of the initial notice sent to me with my signature on it showing i received the proper notification. 

Until such time as you can provide adequate documentation and verification of this debt, I consider it disputed and request that you cease all collection activities. 

Please respond to this dispute in writing within 10 days, as required by law.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-11
Product: Credit reporting 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)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

On XX/XX/2023 XXXX dollars was taken out of my account without my permission, and I reported it to my bank and also made a police report. I disputed the transaction asking to get the money refunded and was denied my card that I had lost was returned to a gas station after the money was taken out, so there for I did not notice the money was withdrawn right away. The institution was very uncooperative and the information they put into their data base was completely wrong. I tried to dispute it numerous times to get the info corrected and it was never done. I would like my XXXX redunded.
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

Per response from previous complaint ( attached ). Most of the response is not accurate. 

The email listed under my " Loan Specialist '' does not go to her ... as US Bank states, that email is for document submission only... how do I email my loan specialist, as no one ever answers the number listed for her or returns voicemails.

Why is she listed as my loan specialist if I can not contact her? 

*This loan has never been late. How could it be late if I was assisted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They assisted with 5 monthly payments of {$5600.00} and one lump sum payment of {$16000.00}, for a total of {$45000.00}. Please show me where and when these funds were applied and if so, how I still have a deferred loan amount of {$110000.00}?? 

I believe this loan has been reported inaccurately for over 4 years because of the calculations above not being applied to the account correctly. 

This in turn, along with the lack/inability to contact anyone concerning this, has destroyed my credit and made it impossible to modify or refinance this loan. 

I need to take some money out of this loan for XXXX XXXXXXXX and to reduce some other small debts, but have been unable to get approved because of the false reporting from XXXX XXXX. 

I would like a full complete detail of all payments made to the account and I would like the account listed as current, never paid late and I would like it noted that the forbearance and XXXX XXXX XXXX payments have no negative impact on my past or future credit worthiness. 

Regards, XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (RI)

U.S. Bank failed to refund the {$300.00} security deposit of a secured credit card I opened with them after my several attempts to communicate my request for refund. The account was closed by the company due to inactivity but I have not received the check for refund. I called four times in total this year ( first time in XXXX, then XXXX, XX/XX/XXXX, XX/XX/XXXX ) and was promised each time that they had or were going to mail the check to me but I never received them despite receiving other mails from U.S. Bank. I have also informed them during the last call on XX/XX/XXXX that if I don't receive the check by XX/XX/XXXX, I will file complaints. I was promised that it would arrive but it never did. They acknowledge the need to refund me but makes failed attempts or false promises on the delivery of the refund, and it seems futile to continue to communicate my demand directly with them.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-11
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. (NC)

1- I HAVE CALLED REQUESTING MY CREDIT REPORT AND IT APPEARS TO ME THAT XXXX XXXX XXXX  HAD MADE AN INQUIRY THAT AFFECT MY CREDIT BY BRINGING MY CREDIT SCORE DOWN. I CONTACT THE XXXX XXXX AND THEY CLAIMED THAT I DO NOT HAVE AN ACCOUNT WITH THEM AND THAT I SHOULD CONTACT THE CREDIT BUREAUS SO THEY CAN HAVE IT REMOVED. 
THE CREDIT REFUSES TO REMOVE IT ; I HAVE CONTACTED THEM VIA TELEPHONE AND MAIL AND YED NO SUCESS. 

2- MY CREDIT REPORT ALS SHOWS 7 ACCOUNT OPEN, BUT YET ALL OF THEM ARE CLOSED.
Consumer complaint received 2023-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (RI)

I attempted to use my pre-paid AMEX gift card ( {$500.00} ) for XXXX purchases several times ( XXXX and again on XXXX ). I was trying to reload my XXXX gift card with ( {$500.00} ). Ive done this before with gift cards with no issues. It would take hours to process and then fail. I contacted XXXX and they said it is being declined ( XXXX ). I contacted AMEX ( XXXX ). After hours I was told that the card doesn't work for online retailers like XXXX, XXXX, etc. Doing some research it appears this is because of a billing address issue. AMEX is is checking the billing address for the transaction. I can not set, or see the billing address set on the card, so the transaction for online retailers fail.
Consumer complaint received 2022-12-06
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: Aargon Agency, Inc. (NY)

I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over 12 years. They confirmed that my name was not on his account. I called the Aargon Collection Agency over 12 different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. 
I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of prison and changing my life this is a step back for me especially because this isn't my debt. Please help me Aargon Collection Agency XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX NV XXXX Report Number with XXXX XXXX Date Submitted XX/XX/20XXXX XXXX
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I filed a complaint for fraud on my Citibank checking account, my debit card was skimmed and or cloned and used in XXXX XXXX XXXX, with 4 charges of {$130.00} between XX/XX/XXXX and XXXXXXXX XXXX. I was in XXXX XXXX California shopping. It would have been impossible for me to be in XXXX and New York, and although I disputed the charge Citibank denied the claim.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have been disputing an account with XXXX since XX/XX/2022. I had an open account with them and paid my balance in Full in XXXX of XXXX. A few days later XXXX closed the account and then marked the account as a charge off and submitted it to a collection agency along with the payment I made. XXXX marked my account as a charge off with XXXX, XXXX and Equifax. I have submitted letters and proof of the receipt to all XXXX bureaus and XXXX showing that the status was false. 

XXXX has now marked the account as a charge off as of XX/XX/2022 after I made a complaint to the XXXX. I feel they are purposely reporting false information causing my credit score to decline. 

The credit Bureaus are also not providing documentation of their investigation. I have requested an investigation from XXXX, Equifax and XXXX. None of the companies named have provided a detailed report of the investigation.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (PA)

15 U.S.Code 1681-2 Responsibilities of Furnishers of information to consumer Reporting Agencies.1.PROHIBITION-reporting information with actual knowledge of errors or inaccuracies.The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON CONSUMER REPORT!