davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have called xx multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. Xx company continues to run my credit score into the ground because inaccurate information. XX credit union refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. Xx has no right to place this information on my consumer reports when I have informed them that it is inaccurate.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Bureaus, Inc. (IL)

On XX/XX/2019, The Bureaus added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, The Bureaus has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX ID number XXXX, who was previously a partner of the company XXXX XXXX XXXX and who sold me her 50 % of the company in XX/XX/XXXX, traveled to XXXX with premeditation and fraud to take advantage of the fact that that the company changes that were made to the XXXX XXXX XXXX XXXX XXXX  Department of State in XX/XX/XXXX had not yet been reflected and that she still remained authorized in the bank accounts while the information was updated and she was removed, and on XX/XX/XXXX, she went to a WELLS FARGO BANK branch in XXXX and transferred a total of {$65000.00} dollars to an account under her name at the XXXX  XXXX bank in XXXX XXXX and in addition to this she made a purchase for {$4000.00} dollars.
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash and Curtis a collection agency is charging me {$68.00} for a {$210.00} medical debt that I am almost sure that I have paid it already. This was a medical bill for services provided by XXXX XXXX XXXX XXXX, on XX/XX/2020 at that time I had Medicare and Medical so I would like to know what kind of services did I received. 
Also, I believed the amount that Rash and Curtis is charging is excessive is more than 30 % of the debt, besides is a medical bill and is unfair that they are charging me that kind of interest, that is usury.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 my account at Bank of America was closed because of suspected fraud activity someone tried to deposit a check into my account i denied the transaction because I knew nothing about so they closed the account and filed a consumer report on me with XXXX XXXX I never used this account they told me after I opened a investigation that the consumer report would be dropped but they never dropped the report now I have a business and cant open a business account
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (WI)

Made several in-app game purchases using the credit card. Learned recently that the game was hacked also noticed several duplicate charges on my credit card. Reached out to the game provider and app store and they did not refund me. Requested credit card to dispute all such transactions. They disputed only a fraction of transactions up until XX/XX/2019, whereas the Transactions and duplicate charges go way back to XX/XX/2019.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (ID)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my credit report are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX  XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX payment Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I believe these accounts are inaccurate because [ provide a brief explanation of why you believe the account is inaccurate ]. I am requesting that these accounts be investigated and corrected or removed from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am in the process of closing on a home at Bank of America in XXXX XXXX, Florida and my Loan officer XXXX, her Boss XXXX and his boss XXXX have been absolutely no help at all during my first time purchasing a home. They do not respond back to emails, they do not answer calls their incompetence has now made it where I am unable to close on the date expected. They are not on top of their job, I have to constantly check with them but receive little to no help. My realtor has even offered to provide his assistance but still gets no help. They are late on giving me updates on what documentations they need from me, they give misinformation about the process. I have multiple emails complaining to XXXX and XXXX about XXXX but received no response. I even called the bank of america customer service to complain because I am unable to reach anyone. Now I am at jeopardy of losing my deposit because they are not doing their job. I have multiple emails I sent to them with no response. It's ridiculous because now I have no idea when I will be able to close.
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AR)

XXXX XXXX XXXX has been deemed ineligible for public service student loan forgiveness however, I have documentation stating that it is a nonprofit organization under XXXX XXXX XXXX XXXX XXXX umbrella. I have also filed a PSLF reconsideration form along with documentation that I am providing here. XXXX XXXX XXXX as eligible employer for PSLF as other entities under the same umbrella have been eligible. For instance, XXXX XXXX XXXX XXXX XXXX has the identical organizational structure as other XXXX XXXX 's medical practices that have been approved for PSLF, an example of which is XXXX XXXX 's Physician Clinics. They are all Arkansas, nonprofit, taxable corporations. 

I have documentation that my employer has given me stating that we are nonprofit and they had deemed ineligible. 

I have been a XXXX  for many years and have work in the XXXX XXXX XXXX XXXX since XXXX  in two different facilities. Students loans were the only way for me to go to XXXX  and repayment with the high interest is very difficult in this economy. I need all the help I can get to get these paid off.
Consumer complaint received 2023-03-03
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020, I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-05-26
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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
Consumer complaint received 2021-01-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

I applied for and was given a loan modification. In a conference call with the mortgage company, they informed me what the principal and interest payment would be and also notified me what the escrow payment would be. After making the first payment under the loan modification, I received another mortgage statement reflecting a drastically different mortgage amount. I went back and forth with TD Bank many times as every time myself or a representative on my behalf reached out to them, the kept referencing a different mortgage amount ( see attached ).
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter to Transunion on XX/XX/XXXX XXXX. As of XXXX XXXX Transunion has failed to complete my investigation. These XXXX  are taking advantage of normal people. They have not communicated with me for the following accounts. 

US DEPT ED # XXXX US DOE/ XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (MI)

I have five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The two collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The one collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. XXXX has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. Experian and XXXX have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.
Consumer complaint received 2023-03-03
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 (GA)

I was reviewing my statement from XX/XX/XXXX  on my chime app account I noticed 2 errors on the billing statement that was incorrect it was for an ATM cash withdrawal for - {$500.00} on XX/XX/ that I didnt authorize this EFT transaction I contacted chime to start a dispute but since it was pending at first they said I had to wait until it settles on my transaction list. A chime customer service also said once money settles it should come back to account it never did and Ive heard nothing back about it yet and this is money that has been taken from me I was given a dispute number XXXX and XXXX by a chime customer service rep. for this error but still havent received my funds back into my account for this unathorized transaction The second error on my billing statement that was incorrect was for another unauthorized EFT transaction on XX/XX/ for {$500.00} I didnt authorize this transaction and money has been taken out of my account I emailed chime support and have not heard anything back
Consumer complaint received 2021-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/XXXX the collection agency Portfolio Recovery Associates LLC agreed to a " pay and delete '' settlement. I paid the debt but the collection agency never deleted the negative account from my credit report. I have made multiple attempts to address this matter with the collection agency and the credit reporting bureaus and have not received any help.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Im a victim of identity theft, and this company has refused to follow the laws set out in the fair credit reporting act and block this information from appearing on my credit file. To add insult to injury, they claim to have verified the information despite them being the one who alerted me to my identity theft in the first place!
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo advertised cell phone insurance if the cell phone bill was paid with the Wells Fargo Credit Card. I started making my cell phone bill payments via my Wells Fargo Credit Card more than a year ago ( as required by the terms of the cell phone protection insurance being promoted ). Recently ( early XX/XX/2020 ) the phone screens cracked on two phones on the account. These were repaired at a cost of {$66.00} each ( total of {$130.00} ). Claim was submitted to Wells Fargo via Card Benefit Services web site with required documentation. Wells Fargo has refused to pay these claims.