davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. As I checked my credit record, I just discovered a billing problem. U.S. Code 1666 defines billing errors as any mathematical or other accounting errors on a statement, as well as the creditor 's failure to appropriately record a statement, a payment received by the debtor, or a credit line extended to the debtor ( b ). I believe there shouldn't be any late payments on these accounts because the creditor did not send me a statement 21 days earlier. This is a list of the accounts that are under dispute : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2020-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp (NY)

XXXX XXXX i sent a notarized Demand for Debt Validation by certified mail to Lending Club as my documents will show as well as the single letter I received a response indicating that there were not the original creditor and have not ceased and desisted pursing the alleged Debt. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization to approval of a specific extension on credit directly or indirectly by the issue of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, Congress said ANY card. The credit card is my social security card. This is the card which was used to originate the consumer credit. This is a consumer transaction in which a finance charge was involved. In addition there has also been negative information added to my consumer credit report on XXXX, XXXX and XXXX bureaus which under tittle 15 chapter 41 my rights have been violated. I am protected consumer under title 15 Chapter 41.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

BofA has taken punitive and retaliatory action against me as soon as they received my complaint from CFPB filed on XX/XX/XXXX ( ID : XXXX ). you can see by the time line below that after the auto pay stopped working I was still able to use my card after the late fee was incurred. This is all verified by their records. Only after the complaint landed, they chose to abuse their power and cancel my card. With no notification I might add. This company is engaging in multiple actions of malfeasance and must be held accountable. 

XX/XX/XXXX My account charged late fee {$25.00} XX/XX/XXXX I used my CC successfully at XXXX XXXX store XX/XX/XXXX I filed complaint with CFPB XX/XX/XXXX I received email for XXXX XXXX acknowledging they received compliant. 
XX/XX/XXXX I called XXXX XXXX per her request in the email. Left V mail. 
XX/XX/XXXX I was denied use of CC for another purchase. 

Bank of America Cash Rewards World MasterCard Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

DEBT DISPUTE Claimed Debt of {$800.00} ; for lease with XXXX XXXX XXXX ; ( incurred date undefined ) The debt claim that was issued is not my debt. 

On XX/XX/2022 - XXXX mailed a XXXX certified termination of lease letter to XXXX XXXX XXXX ( receipt confirmed by email by XXXX XXXX XXXX XXXX On XX/XX/2022 The apartment was fully evacuated in non damaged condition ( as confirmed by XXXX XXXXXXXX XXXX  by letter. ) On XX/XX/2022 documents were hand delivered/legally served to the property XXXX XXXX XXXX XXXX by Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A Copy of the Termination of Lease Expert Laboratory Results of the presence of Mold in the living space A final invoice defining the balance XXXX XXXX XXXX owed to me To date, XXXX XXXX XXXX still owes me a balance of {$220.00} reimbursement from my security deposit. 

Please note the following deceptive practices of the XXXX XXXX XXXX staff : On multiple dates XXXX XXXX XXXX stated varying amounts that they claimed were due. They, however, never disputed nor responded to the Final Invoice served to them, issued on XX/XX/2022. On which they owe me the above stated reimbursement balance of {$220.00}. 

On XX/XX/2022 I received from XXXX XXXX XXXX an invalid, unfiled, partial court form from the State of Michigan ( Demand for Possession Non Payment of Rent Form XXXX ) after receiving the property manager a receipt for the full balance of XXXX Rent on XX/XX/2022 in person and with witnesses ). This was presumed to be a scare tactic after I had a professional mold inspector come into the apartment to prove the presence of XXXX mold, that they refused to remediate, to terminate the lease. 

PLEASE NOTE : In that document XXXX XXXX XXXX claimed a DIFFERENT fictitious balance that they stated I owed even though they were still in possession of my XXXX payment check, that they received, accepted and issued receipt for in person. 

I have full records of lies and false practices for XXXX XXXX XXXX going back years ( repeated email communications with them about repairs needed that were input into their online service system, with reference numbers and photos - that were never completed. As well as damage done to my personal property that I was never reimbursed for. )
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (IN)

Contacted Discover Bank Regarding Unauthorized Charges on checking account. this is the second complaint filed after reviewing 2 emails from Discover after getting a complaint from cfpb saying they are working on it and will get back to me still has not been done no response. they reversed XXXX $ in unauthorized charges and wont correct them.
Consumer complaint received 2023-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but, how is that possible when if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? Whenever my private attorney also known as XXXX XXXXXXXX does research on this account XXXX XXXX this loan was opened in the state of FL. THIS COMPANY FAILS TO UNDERSTAND THAT MY INFORMATION WAS STOLEN. I UNDERSTAND THAT MY INFORMATION MATCHES AND THAT THE DEBT WAS ILLEGALLY PLACED IN MY NAME. 

XXXX XXXX lies and states that it has tried to contact me several times. They state that I never gave them a government ID. And this is the reason why they have denied my claim neither have they tried to contact me about the situation. After calling in for the past month they never follow up with a call back as well. I have already placed their agent on cease and disease because of the lack of following the law and respecting my consumer rights. They fail to give me a different agent that will respect my consumer rights. 

Both financial institutions and credit bureaus must respect my consumer rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It states a consumer reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC. (MS)

I've had Two accounts that have not been properly verified from HMC Group, the first one is for {$3000.00} and the second one is for {$400.00} which was placed on my credit report on or around XX/XX/XXXX. I have disputed both items numerous times only to get a Verified response without written proof or my original contract signature with this company. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid 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 (CA)

I experienced that someone else used my credit card to purchase at XXXX on XX/XX/2021, {$130.00} and XX/XX/2021, {$320.00} on my Bank of America VISA card. I or anyone in my household did not purchase on XXXX  ever. The card account has already been closed. 
I called Bank of America and reported that those were frauds. A week or two later, Bank of America replied that they denied my claim because XXXX told them that those were purchased by me and shipped to my home address. 
I contacted XXXX through a chat on XXXX. XXXX could not find the order from me and admitted that the orders were not from me. XXXX also told me that they can not disclose the order details because those orders were not from me. I have the chat log and the reply email. 
I called Bank of America and reported about that. Bank of America had the shipment tracking numbers of XXXX gotten from XXXX and told me the numbers. 
One is XXXX and another one is XXXX. The both tracking numbers clearly showed that the orders were not shipped to my address and were not picked up by someone else I never recognized. 
Both packages had been shipped to XXXX OnSite : XXXX XXXX, XXXX XXXX XXXX XXXX. And the tracking log showed that the package was picked up and signed by name XXXX on XX/XX/XXXX for one and XXXX  on XX/XX/XXXX for another one. I have no idea about them. 
I also reported these facts to Bank of America. 
Bank of America advised me to file a police report since I already have enough evidence to prove the frauds. 
I filed a police report to XXXX XXXX Police Department ( XXXX ) in California on XX/XX/XXXX. Then I reported the police report to Bank of America and asked to review my claim again. 
The final conclusion of Bank of America was denial and they decided that {$460.00} would not be refunded. 

Would you please review this case and the decision about denial of a refund is a right decision.
Consumer complaint received 2023-02-08
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. Validate Account : XXXX XXXX XXXX : Account Number : XXXX Please investigate and remove completely from my credit report. 
2. Validate Account : XXXX XXXX XXXX. Account XXXX : XXXX Please investigate and delete from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Collection account " XXXX XXXX XXXX '' showed up on my Transunion credit report. This debt is not mine and I know it to be " debt parking ''. I have submitted a dispute with Transunion to remove the fraudulent account from my report.
Consumer complaint received 2021-12-21
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-10-29
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. (FL)

I am XXXX XXXX submitting this complaint against Experian Information Solutions , Inc and their is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX Delete all hard inquires & late payments as well
Consumer complaint received 2023-03-08
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. (AL)

I am interested in disputing all incorrect information on my credit report with experian. checking my file ive noticed alot of invalid data that is hindering my file. please delete an remove all information submitted in the files asap.
Consumer complaint received 2022-10-29
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. (IL)

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. 

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 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 2022-10-29
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. (FL)

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. 

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 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 2024-03-22
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$73.00}
Consumer complaint received 2021-10-16
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. (PA)

A dispute and FTC report was submitted for a fraudulent account and hard inquiries on my credit reports. 

XXXX account : XXXX {$7300.00} Hard inquiries : Transunion - XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (HI)

On XXXX XX/XX/XXXX, there were four withdrawals made from two different ATMs from my Wells Fargo Checking Acct in XXXX XXXX. The amounts were {$100.00}, {$200.00}, {$300.00} and {$500.00}. Only one ( {$100.00} ) withdrawal was legitimate. The other three withdrawals ( {$200.00}, {$300.00}, {$500.00} ) were stolen from my account. I contacted the bank by phone followed by two letters, but to no avail. They determined that there were no errors made. I know that every ATM/debit card has a daily withdrawal limit. How would anyone be able to make four withdrawals totaling {$1100.00} the same day with an ATM debit card? 

After checking two years of online transactions, I noted that there were many suspicious activities regarding my account in excessive charges for balance inquiry fees, non-Wells Fargo withdrawal fees, and repeated withdrawals per day. 

On XXXX XX/XX/XXXX, there were eight {$82.00} withdrawals and five non-Wells Fargo ATM transaction fees ( {$2.00} ) made from the same ATM- all in one day. How is that possible? 

On XXXX XX/XX/XXXX, there were six {$2.00} charges for balance inquiry fees. 

On XXXX XX/XX/XXXX, there were nineteen {$2.00} charges for balance inquiry fees. I called the bank and had these charges ( {$38.00} ) reimbursed. 

On XXXX XXXX XXXX, there were five {$200.00} charges for balance inquiry fees. 

I have NEVER done a balance inquiry on my account as the balance is always reflected when a withdrawal is made. Within the two years of transactions, there were many repeated balance inquiry fees, non-Wells Fargo ATM transaction fees, which I can not disprove unless it was exorbitant like 19 charges in one day. There are only two auto deposits ( {$920.00} and {$280.00} ) made monthly. There is one monthly autopayment ( {$310.00} ). No checks are written. Only activities are ATM withdrawals. This is a joint account with only one ATM card, which I had canceled in XXXX due to the theft of the three unauthorized withdrawals. 

Throughout the years, no complaints were lodged so these suspicious activities continued. If the illegal withdrawals were made late in the month, it would have gone undetected. But, it was made on XXXX XXXX, which caused my account to be in the negative. My autopay for {$310.00} had not been processed yet. Also, I was charged a total of {$100.00} overdraft penalties for the stolen monies.