davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (TX)

I trust this letter finds you in good health. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to rectify this situation. The lack of resolution has significantly impacted my financial well-being and caused undue stress. 

The fraudulent items in question, linked to [ account/reference numbers ], were initially reported to your agency on [ mention the date of your initial report ]. Since then, I have diligently followed your prescribed procedures for disputing fraudulent activity, providing all necessary documentation such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my multiple attempts to address and correct this issue, each accompanied by cooperation on my part and adherence to your agency 's requirements, the fraudulent items persist on my credit report. 

I am formally requesting the following actions be taken urgently : A thorough and comprehensive review of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my multiple attempts to rectify the situation, is both distressing and damaging to my financial standing. 

Failure to address this matter within the exact time frame from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-14
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX Balance Owed : {$1700.00}
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (WI)

In XX/XX/21 I was a few days late paying my bill which is always $ XXXX. I am usually on time. The bill is due by the XXXX of month. I paid the {$29.00} on XX/XX/21. The company refused to remove an assessed {$20.00} late fee for XXXX and even though I paid {$29.00} for XXXX they assessed another {$50.00} onto the bill, deeming me past due ( {$20.00} ) asking for {$79.00} due for XX/XX/21. I called several times today and qualify for the Hardship Program which will start, according to the rep in XX/XX/21. The rep told me a payment of {$59.00} will be due XX/XX/21. I explained I don't have {$59.00} to pay, as evidenced by my request for the hardship provision. 

The rep informed me that I will go down in the record as having refusing the {$59.00} payment and will remain in a 'past due ' status for the remainder of the loan. I asked if the initial payment could be reduced to the customary {$29.00} and she told me " No. '' I asked if that wasn't the whole purpose of hardship assistance and she tersely responded : " I ... already ... explained that to you. '' I asked if it would negatively impact my credit score ( being in a 'past due ' status ) and she said it might. She suggested somehow " Paying it to catch up. '' I find that unacceptable and though I appreciate being put into the Hardship Program, I feel the inclusion comes at a price that exceeds my ability to pay, making the option a moot point.
Consumer complaint received 2022-02-05
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. (LA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TRANSUNION. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TRANSUNION has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-02-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (IN)

XXXX XXXX I requested to close my account after not being able to log in after my XXXX vacation. I requested account closure and for my remaining balance which is my savings of {$10000.00} to be sent out via check. The bank responded that my remaining funds will be sent to the state of Indiana the source of the funds. Ive had my saving sitting for a year while my other funds were shifted through my checking with no problem I dont understand whos the source other than myself. I was also sent an account article and upon reading the article they legally have to send any remaining balance to the address on file so Ive been waiting for my money and its been almost a month and now the support team has not responded since that was stated XX/XX/2022
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. I banked with Bank of America for several years. Someone accessed my account and made a {$300.00} deposit into my checking account using a paper check that was stolen from my apartment. I have attached a copy of the police report. The deposit was made at a Bank of America ATM machine so there should be a video tape of the deposit being made which will show that it was not made by me. Bank of America froze all of my accounts and then closed them because of this deposit. Upon handling the closure of the accounts I noticed that a new credit card had been sent out to someone else ( not me ) and that several charged to my credit card and debit card were made without my knowledge or authorization or approval. I notified Bank of America and they denied my claim saying that it was me that made the purchases. 

One of the charges on the debit card was for a XXXX office in XXXX Texas. The manager of the XXXX office acknowledged that it was not me that used the card! They told me that another patient used the card over the phone and that it was not XXXX XXXX who made the purchase. Bank of America knows this and has continued to attempt to collect this debt and has now reported my account to XXXX XXXX XXXX. 

Regarding the credit card, my limit was {$700.00} and I always paid my card on time. When my accounts were closed somehow my limit was {$5000.00} and there were several thousands of dollars in charges that I did not make. 

Bank of America told me that no negative reporting for the checking accounts would be made to any credit reporting companies, however that turned out to be a lie. 

Someone stole my identity, made copies of my cards and apparently stole checks too. Pull the surveillance video! It was not me!
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I have been issues foreclosure papers from the company. 

This is the same company ( XXXX XXXX aka Loan care ) that I have already filed a complaint ( see prior complaint ). 

Their response was that they are not the company...... I am getting very XXXX
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I was unable to use my debit card in the store as it kept saying my debit card was unavailable. I didnt receive a pin and the person kept telling me my debit card was fine as it was not. I was hung up on and had to call several times and to get help and was not. I couldnt even purchase groceries and had to use my non Truist bank account.
Consumer complaint received 2021-10-28
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. (MI)

I have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2024-02-14
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)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (PA)

The bank does not properly process and display transactions. ( See photo 1, the account balance has been changed, what was the reason for this is not known ). Disables some services for the time required to calculate the commission ( see photo 2, where overdraft protection service is unavailable ). I believe that the bank artificially creates temporary delays in some payments, not displaying them in the personal account. Thus, in a few days there can be several transactions that have the " pending '' status. According to the bank 's manager XXXX XXXX : " the bank uses priority based on the amount of the transaction, and not the date of the payment, a large amount is considered the main one. '' In my case : XX/XX/XXXX there were 5 ACH transactions with the same amount of {$10.00}, XX/XX/XXXX there was 1 ACH transaction of {$96.00}. Thus, after 3 days, the bank displays all payments at once, first the maximum amount of {$96.00} is debited, and then {$10.00} five times. I believe this is done solely to maximize the overdraft commission imposed on the account. Once again I want to draw your attention to photo 2. The result of the manipulation : XXXX $ ( overdraft ) * 5 ( times transactions ) = XXXX $ fees. At the meeting with the bank manager, I did not receive any clarification about the photographs provided and explanations to them. XXXX XXXX 's promise to sort it out was not crowned with a positive result, as the person was directly interested, and the photo remained without any explanations or comments, as well as the balance of the account. Earlier, I have already encountered overdraft charges to my account in the Key bank, but after I showed that I can not manage my debit card in the Key bank app, where it says that I don't have it, fees was dismissed... I wish to believe that it's system error, but manager said that he needs to ask someone and that I don't have a right to know it, but he will submit me a decision on a next day. I am forced to consider this as another manipulation on the part of the bank, when the manager shifts his powers to an indefinite person and avoids answering the photographs presented by me at the meeting. 

P.S. on the top of the pictures is date when it was created.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, TXXXX XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

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 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 2021-03-10
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. (FL)

On XX/XX/XXXX, I filed a dispute with Equifax credit bureau asking for inaccurate information to be deleted off my credit report. In particular, Equifax has been reporting a bankruptcy on my credit report that belongs to someone else - my father. 

To explain further, my father and I share a similar name, with the exception of our middle initials. Further, our SSN differ by only the last number. On XX/XX/XXXX, my father filed for bankruptcy - this is the event that Equifax is reporting under my file and will not event under my file. 

I have explained to Equifax the above and have also provided screenshots from the Public Access to Court Electronic Records ( " PACER '' ) system reflecting that there are zero records under my SNN and three records under my father 's SSN, including the XX/XX/XXXX bankruptcy. 

When I filed my initial dispute in XXXX, I was told that I would receive a response within 30 days. However, I never received such information. It was not until after 30 days, when I called Equifax as a follow-up, that I was informed that the bureau had concluded that the bankruptcy did indeed belong to me - again, this is inaccurate as I have never filed for bankruptcy. When I inquired as to what investigation was performed to come to such conclusion the representative explained that their " back office '' handled the investigation, but that he was unable to provide any further information. 

On XX/XX/XXXX, I spoke with a representative who explained that the investigation was completed on XX/XX/XXXX. She then explained that the bureau had 30 days from the day it completed its investigation, i.e., XX/XX/XXXX, to provide me with an explanation. I then explained that the 30 days timeframe begins from the date of my dispute, not from the day the investigation is " completed. '' She then stated that her records show a letter was emailed to me but could not provide an exact date of when it was emailed ( I never received any emails from Equifax regarding the investigation results ). 

With respect to the documents I provided, I was told that their back office ( mailing center ) handles all faxes and that they had no ability of getting in contact with them. When I questioned the representative further, she did admit that they did in fact have an ability to contact the back office but they can't call them about this issue. 

The way Equifax appears to perform these dispute " investigations '' on a lack of facts or due diligence. Had a reasonable investigation been performed, my credit file would have been updated and corrected. I fear I am not the only consumer that has been treated this way and the credit bureau should be investigated for unfair practices.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incrrect informations and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

The following inquiry needs to be DELETED immediately : Capital One Inquiry Date : XX/XX/2019 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof within 15 days immediately of any or one, I would like it DELETED immediately.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, 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. (TX)

I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX FXXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incrrect informations and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX