davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

i have contacted XXXX XXXX in regards to a late payment reported on my credit i have not gotten remedy 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent in several dispute letters in regards to public record information being reported about me on XXXX, TransUnion an XXXX. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of XXXX  days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!
Consumer complaint received 2023-08-08
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC (NY)

LendingPoint LLC is refusing to provide me with a copy of the loan application that a dental provider submitted to LendingPoint on my behalf unless I pay the alleged balance on my account.I understand that in or around XX/XX/2021 LendingPoint approved me for a loan of XXXX to be applied towards dental services provided by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I believe that XXXX XXXX  which submitted the loan application to LendingPoint, falsified my income information on the application inan attempt to ensure its approval. I do not have a copy of the application, so I am unable to review it to confirm weather it contains falsified information about my income ( XXXX XXXX XXXX XXXX and received only XXXX ) .On or around XXXX XXXX, I called LendingPoint to request a copy of the loan application.A representative told me that I could not get a copy of the application unless I paid my balance.Without a copy of the application, I can not determine whether XXXX XXXX  submitted false information to secure the loan, which is preventing me from taking other steps to address the loan.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/XXXX : fraudulent charges in the amount of XXXX I called Bank of America, they did not return my funds. They tried to charge me for a replacement card. They told me it would be a 45 day investigation. They requested a fax of my ID. 

XX/XX/XXXX : I call for confirmation on my faxed ID. They say they didnt get it and that my account is closed ( with a balance of around {$1100.00} ). They say I can not access this account and that the claim I have for the XXXX in fraud charges will not continue on a closed account. Additionally, they can not give me information on the claim because the account is closed. ( Can not confirm or deny they received my fax ). They instruct me to call Nevada Unemployment as they are the sponsor of the account. 

XX/XX/XXXX : I am able to speak with Unemployment, who confirms they have nothing to do with my account closure and that my backpay of $ XXXX has already hit my account, which they are showing to be open. In addition, my unemployment is intact. They direct me back to Bank of America. 

I have talked to dozens of Bank Of America employees and managers. Ive been met with regurgitated speeches : unemployment is the sponsor ; they need to reopen the account ; we didnt close this, they did. Contact them Nobody is listening to me, I have not been allowed to collect my funds from my closed account. I have been inside the branch as well. 

I just want my money. I am the sole provider for a family of XXXX. We are truly in need. This is our livelihood. 

XXXX XXXX Bank of America fraud claim XXXX
Consumer complaint received 2023-06-07
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I have become a victim to identity theft. Someone maliciously used my information to get credit. Help me to remove/block fraud items listed on my Chex Systems report. I did report these fraud items to law enforcement Under 15 U.S.C 1681B permissible purpose of consumer reports, the credit bureau or creditor does not have rights or consent from me to report this fraud item and/or exploit any of my personal information under FCRA guidelines XXXX Please help delete/ block the fraud and inaccurate items listed on my credit reports. Additional Inquiries : XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX
Consumer complaint received 2020-12-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

I can not get past automated menus at BMO Harris Bank @ XXXX XXXX XXXX XXXX in XXXX where the fraudulent {$5000.00} usd withdrawal took place On XXXX XXXX Dont know if they could help me, still working to get this fixed. But I know they cant help me if I cant get a human on the phone
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (FL)

Subject : Dispute of Unauthorized Inquiries on Credit ReportI am writing to dispute the unauthorized inquiries that appear on my credit report, as I recently received a copy of my credit report from your agency. I have identified several inquiries that I did not authorize, and I request that you remove them promptly. The details of these inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have thoroughly reviewed my records, and I do not recall authorizing any of these lenders to perform a hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into these items and remove them from my credit report if they can not be verified by the respective creditors.

I kindly request that you complete this reinvestigation within 30 days of receiving this letter, as mandated by 15 U.S.C. Sec. 1681i ( a ). It is crucial that my credit report accurately reflects my creditworthiness and financial history, and the presence of these unauthorized inquiries undermines the integrity of the report.

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute. Should you require any additional information or documentation from me to conduct the investigation, please inform me promptly. I can be reached at the contact details provided above. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The CFPD submitted my complaints to the credit Companies and all the three credit bureaus did was respond with the same old response of ( credit reporting was verified as accurate ). HOW WAS IT VERIFIED? I'm not sure what exactly theCFPD does here what's the point if all the companies have to do is resite the same old garbage they do everyday. This is interfering with me buying a home. I'm on XXXX and have limited resources for home purchase.
Consumer complaint received 2023-11-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (WA)

US Bank closed ALL my accounts including my business account due to fraudulent activity. I have never committed fraud. What gives them the right to close an account without the owners permission? Due to them closing my accounts so abruptly, I was not able to pay vendors or services that I use for my restaurant. This in turn effected my restaurant negatively. I couldnt get the products I needed to run my restaurant properly. Ive been with this bank for about 7 years, and this is how they treat a loyal customer. They closed ALL my accounts ( business checking, personal checking, savings, credit cards ) all on XX/XX/2023, without a formal explanation of why they were closing them. I spent the last three weeks trying to get my money and Im finally picking up a check for my balances at a local branch XX/XX/XXXX.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TN)

The acct opened in XX/XX/2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after treatments. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} XXXX XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. XXXX XXXX XXXX has since closed my acct, sold it to Resurgent, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX  and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX  since I am still recovering from XXXX and XXXX. I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.
Consumer complaint received 2020-12-23
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: EQUIFAX, INC. (AZ)

Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (MD)

XX/XX/XXXX I spoke to XXXX, Target Dispute associate regarding the letter I received on XX/XX/XXXX, disagreement with my claim disputing a payment of {$330.00} posted to my Target Red card on XX/XX/XXXX. The letter was dated XXXX, XX/XX/XXXX. Account ID : XXXX. The letter from Target Dispute Resolution, claimed I made the payment of {$330.00} on XX/XX/XXXX, after setting up an Auto Pay on XX/XX/XXXX. I set an XXXX XXXX on XX/XX/XXXX for {$45.00} and advised the Dispute XXXX XXXX on XX/XX/XXXX. I made XXXX aware of my email alert from XXXX on XX/XX/XXXX regarding the enrollment in Auto Pay and the amount was not {$330.00}. I also advised XXXX the Auto Pay enrollment was cancelled by me on XX/XX/XXXX. I was charged a fee of {$27.00} and {$1.00} regarding the disputed payment I DID NOT MAKE. I provided a copy of my XXXXXXXX XXXX checking statement and my bank also reviewed my checking account with me in person and by telephone, and each time told me {$330.00} was never presented to the bank and it was never returned for insufficient funds. This is the second letter I received from Target after trying to resolve this issue. Target closed my account stating the {$330.00} was returned by my bank but I never made the payment. I advised XXXX of my email alert I received on XX/XX/XXXX, auto payment enrollment, amount {$45.00} not {$330.00}.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  XXXX was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.
Consumer complaint received 2023-09-27
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. (GA)

My name is XXXX 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.
Consumer complaint received 2024-04-03
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. (IL)

Subject : Dispute of Account - XXXX XXXX XXXX To whom it may concern, I am writing to address my deep dissatisfaction and concern regarding the handling of the XXXX XXXX XXXX account information on my credit report. It has recently come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to rectify these discrepancies.

I formally request a comprehensive debt validation process, encompassing the following details : Original Contract : Kindly furnish a complete copy of the original contract between XXXX XXXX XXXX  and myself pertaining to the account in question.

Original Creditor : Clearly state the name and contact information of the original creditor associated with this account.

Original Open Date : Provide the precise date on which the XXXX XXXX XXXX account was initially established.

Date of Last Payment : Specify the exact date of the last payment made concerning this account.

Date Account Was Closed : Indicate the date on which the XXXX XXXX XXXX account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it is apparent that Equifax has failed to meet its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within 14 days from the date of this letter will leave me no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter a formal notice of my intention to do so.

I anticipate a timely response, including the requested documentation, to be sent to the provided address. Furthermore, I expect any necessary corrections to my credit report to be promptly implemented. 

Sincerely, XXXX XXXX XXXX and wire fraud, negative status and charged-off accounts, extortion, and lack of validation are issues that need to be addressed promptly.
Consumer complaint received 2023-09-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY (NY)

I have tried several times to request a FULL DISCLOSURE of my contract with Wells Fargo. To be exact I want a FULL ACCOUNTING OF THE PERFORMANCE of the contract meaning I want well Fargo to provide the full ledger credits and debits on ALL accounts opened in my name that includes any accounts opened in escrow. I have given authorization to my attorney in fact to request the same and to handle the account and he has not received anything as well-. In addition I have sent a Notice of Subrogation and Substitution, and Notice of Recession of SECURED interest however no solution has been reached and I am requesting arbitration and a cease and desist of the sale of my property
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX floor XXXX FL XXXX. RE : your client XXXX XXXXXXXX XXXX  XXXX. Reference XXXX From : XXXX XXXX. 

I still have not received copies of the original cardmember agreements for any of my 4 XXXX accounts which would include the arbitration clauses and provisions. Since the accounts were opened many years ago, I need the agreements for each account in effect at account opening which may be entirely different from the agreements for new account holders. Thanks, XXXX XXXX