davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (IL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-17
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. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$440.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TN)

I have made multiple disputes about this. Last one was sent on XX/XX/2024. I requested that the debt in the amount of {$1700.00} be removed from my account. That debt belongs to XXXX XXXX.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In the month of XX/XX/2020. I called multiple times to have the Holds released from my account. 

I previously had a three month forbearance on my account that was Paid in Full on XX/XX/2020. 

Since that time I have Paid my Mortgage on time for the months of XXXX XXXX and XXXX. 

On XX/XX/2020 I wrote a letter to Bank if America asking them to release the hold on my Account as I have paid the forbearance and need No further assistance is needed.

Its been more than 60 days and Bank if America still has my Mortgage Account assigned to the Home Retention Department. 

After I mailed a letter requesting my mortgage account be released, I received a letter from Bank of America dated XX/XX/2020 saying my name is XXXX XXXX and she is my customer relationship manager. She further states she is here to help me pursue options with my home loan payments. 

I am Not behind my payments have been paid in time after the forbearance that ended XX/XX/2020. While in the forbearance only one payment was late due to Bank of America losing the payment and processing it late. 

My account number is XXXX. My name is XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX GA. 

There is no reason for Bank of America to hold my account hostage since the forbearance has been paid. 

This hold has a negative impact on my account. First and foremost I can not make payments online and other things. 

This is the Fourth request Ive made to have All holds removed from my mortgage account.
Consumer complaint received 2024-10-25
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. (GA)

XXXXXXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXXXXXX  ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

My mom originally opened her acct over XXXX  years ago with Regions bank. In XXXX  I was working and decided to open an account for pay paychecks to be deposited in. The bank required me to have my mom on the account they said until I turned XXXX. XXXX XXXX now and I have tried to remove my mom but the bank has refused. They said I would have to close down this account and start all over, which is a hassle with the amount of bills I have coming up each month. Approximately XXXX months ago I noticed {$54.00} missing from my account. I called the bank and was given a run around and a hassle just to access the information. Then I was told it was offset to pay my moms loan payment that was in arrears. I am NOT liable for my moms loan payment, that is her sole debt, I did not sign for the loan and Im not the responsible party. I requested the money be returned to me but the bank refused. Fast forward, yesterday morning when I checked my account I noticed {$410.00} missing. This money was allocated for my bills. They left me in the negative. I called the bank and they said they applied it to my moms account once again. I went round and round with XXXX, the collections XXXX. She was rude and condescending and wouldnt let me speak. I asked why we were not notified. She claims we were notified. I asked for the date of the notification and she changed the subject. She said we were notified on the day the account was open, over XXXX   years ago. I do not feel that the bank has the right to take my money to pay another persons debt, that I did not agree to pay. Also this banks does it in a sneaky fashion by not sending notifications. Even IRS & Student loans give proper notifications before seizing money from an account. Now this morning I woke up to them taking another {$240.00} from my account. I do not know all the banking rules but have read that on joint accounts they cant pull money owed on sole debts that dont belong to me. 
I have more documents but I need to send them at a later date as they are not on this device. I will send these document that shows they credited my moms account with my debit. I also attached the only information I could find online that states that banks should not offset from joint account for a sole debt thats not mine.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/year> at or around XXXX are. I went to XXXX gas station to withdraw {$800.00} dollars for a car repair. I entered the store which has XXXX XXXX ATMs. I decided to use the one on the right closest to the soda refrigerator. After putting in my pin and following the steps. I proceeded to withdraw the money. Shortly after I received an error message and the ATM did not dispense any of the funds requested. 

I immediately checked my account and funds had been subtracted from my available balance. After closing my online banking I notified the manager at the location and she mentioned I should call my bank and start a claim. Before leaving the location I attempted to use the alternate ATM on the left closet to the exit. I was able to successfully withdraw XXXX dollar out of my account. Once I left the store I sat in the parking lot and immediately called Navy Federal to open a claim. After finishing the claim. I left the store but returned later in morning because I was still short XXXX dollars for my car repair and the XXXX store is the only ATM in the area that did not have a fee. 

I entered the store again a was able to successfully withdraw XXXX dollars. XXXX in total. On XX/XX/year> I had XXXX different ATM transactions totaling XXXX dollars but the ATM only dispensed {$800.00}. On XX/XX/year> Navy federal notified me that they will remove the provision credit given for the incident and that the ATM owner provided documentation that I benefited from the transaction and no error occurred. Im sure navy federal did not do a proper investigation and and has acted unfairly and failed me as a customer. 

My complaint is to look further into all three transactions attempted because the first attempt at withdrawing XXXX dollars was unsuccessful. I have filed a police report to assist with this investigation and hopefully get surveillance footage of this transaction here is the incident # XXXX. I have also contacted Corporate at XXXX and opened a Compliant and requested the ATM be serviced and checked for any malfunctions. My complaint identification number is # XXXX.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act this Experian Credit Reports has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.

Experian didnt ask me for permission to post negative information on my report and did not ask permission to use my social security number. Experian has used my SS number 100 times or more every day and I have received no benefits from these transactions! And using my personal social security number with out consent and making money with it and not paying is illegal Experian is in violation of these laws 15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC 1681b ( a ) ( 2 ) need written permission
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Step 3 I AM DISPUTING ACCOUNT # XXXX, FROM XXXX XXXX XXXX {$0.00}. ACOUNT # XXXXXXXX XXXX XXXX {$0.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX {$0.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX XXXX {$630.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX {$480.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX {$6300.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX XXXX {$740.00}. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (OH)

Starting on XX/XX/2021 I tried to add daughter as authorized user to my Goldman Sach Apple card. Had technical difficulties and was unsuccessful. Reached out to company and absolutely no help. 

Sometime on XX/XX/2021 I was able to get her added. Tried several times to order her a physical card and was not able to do so. Talked to several different reps and nothing but misinformation. 

On or before XX/XX/2021 I received a physical card. I was not able to activate card after several phones calls and text messages with Goldman Sachs. 

XX/XX/XXXX contacted again still not able to activate card. Supposedly been escalated to tech support with no resolution. 

XX/XX/XXXX contacted again no resolution. Told would be 10 ten more days. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

Dates listed are only days I used text messaging. I called many more times trying to get an update and card activated. I am always told someone will call me back and the issue will be handled with in 10 days but no one has called me back or helped me get daughters card activated. I asked for case/complaint number and they said it is against company policy to provide that information. I don't know what else to do.
Consumer complaint received 2021-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient refuses to response to any written requests regarding the discharge of my student loans. I have spoken with Navient representatives/debt collectors numerous times informing them of applications and documents that has been submitted for loan discharge and no resolve. XXXX ) I submitted the will called seven times a day in a form of harassing me for payments. Navient has been informed in writing and verbally regarding my filing bankruptcy which included all five student ( XXXX  ) loans. 1. XX/XX/XXXX amount : {$7500.00} ; XXXX. XX/XX/XXXX amount : {$3400.00} ; 3. XX/XX/XXXX amount {$7000.00} ; 4. XX/XX/XXXX amount {$5500.00} ; 5. XX/XX/XXXX amount {$5000.00} at a 6.8 interest rate. All of these loans Navient purchased, and they were all included in my bankruptcy. In addition, to the school closing and I never received my diploma/certificate from XXXX in XXXX, California. In explaining this information over and over again. Last year in XX/XX/XXXX, When I spoke with a Navient representative I was instructed to complete and submit a Loan Discharge Application : School Closure and he ( XXXX ) told me that this should take care of the student debt and I would no longer be harassed. Once again, I did as I was instructed and I have attached the Loan Discharge Application : School Closure. Lastly, I have been receiving calls and written letters stating that if I don't make payments, the guarantor may take one or more of the following actions. Keep in mind my student debt should have been discharged, and the violation of harassment during this COVID pandemic should not be happening. I truly believe that I am a target of discrimination, and it is clear that Navient does not or should I state, will not reply in writing to any submitted documentation. 
I will continue pursing my rights, as I have become a victim of Navient and will file a discrimination complaint with the office for Civil Rights to stop this vigorous harassment and not discharging the student loans.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NC)

The person said they are with American Express and said that I will need to pay my past due amount and that AMEX will sue me if I do not. He said he would help me pay the balance. He also said my CC number but was off by XXXX number which is scary in itself. 

I told him I would go online and pay it now at americanexpress.com. I think I threw him off by saying that ha. 

If I ever get a call or email about this I always go online to my current login or call customer service myself.
Consumer complaint received 2022-12-27
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/2022, I received a message from XXXX that someone inquired about a cc through my name. It was not me. The company named was XXXX XXXX. It seems they have may complaints about them online. I was asked by XXXX to file a police report a report with the FTC. The FTC sent me here. THis fraudnet use of my name has now opened a small credit card account, which I had no knowledge about, and it is impacting my credit score. 

What steps can you help witht so this card is removed from my name please? 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-14
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX  XXXX Balance XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$890.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>