davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have had a Bankruptcy on my credit profile since XX/XX/XXXX and have asked the credit bureau to remove it on multiple occasions and how they are verifying it as I have reached out to the courts and they said that they are not verifying it. They will not show me proof of how they are getting this information and it is stopping me from purchasing my first home. 

I have been sending verification letters on the following dates : -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-11-28
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: Nelnet, Inc. (TX)

I have requested for all three of the CRAs and Dept of Education to remove all 18 student loans off my consumer report due to the Privacy Act of 1974 ( 5 U.S.C 552a ) : The Privacy Act of 1974, 5 U.S.C. 552a, is a federal law that regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies12. The law provides US citizens or permanent resident aliens with a right of access to information concerning themselves that is kept in systems of records by any agency in the Executive Branch of the federal government2. The law also establishes a code of fair information practices to protect the privacy of individuals. 

You do not have the legal authority to report any of these student loans on my account, per the disclosure provided by the Department of Education/Nelnet under Section F : Gramm-Leach Biley Act Notice and Privacy Act Notice, that was supplied from the direct subsidized loan and direct unsubsidized loan MPN. No section indicates that these loans ( 18 total ) should be reported in my consumer report ; I have attached proof and require that you delete my consumer report immediately.

As a consumer, I have the right to privacy according to the Privacy Act of 1974 ( 5 U.S.C. 552a ), which requires that the following notice be provided to you ; The authority for collecting the requested information from and about you are 451 et seq. of the Higher Education Act ( HEA ] of 1965, as amended ( 20 U.S.C. 1087a et seq. ] and the authorities for collecting and using your Social Security Number ( SSN ) are 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1091 ( a ) ( 4 ) ) and 31 U.S.C. n01 ( b ). Participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program
and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purpose for collecting the information on this form, including your SSN, is to verify your identity to determine your eligibility to receive a loan or a benefit on a loan { such as a deferment, forbearance, discharge, or forgiveness ] under the Direct Loan Program, to permit the servicing of your loan { s }, and, if it becomes necessary, to locate you and to collect and report on your loan ( s ) if your loan ( s ] become delinquent or in default. We also use your SSN as an account identifier to permit you to access your account information electronically.

I am requesting that you send me the legal documents and disclosures required by the XXXX XXXX  database that show that you have legal rights to report all items on my credit report that I did authorize you to register.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The funds in our account in the amount of {$1900.00} were withdrawn on XX/XX/2023. We contacted the tax department that had levied our account. I was told by the tax department employee that she had instructed Bank of America to hold the funds until she had reviewed the file. She then informed Bank of America that they should issue a check to the tax department for {$300.00} and the balance should be deposited back into our account. This was handled within a week of our account being levied. I was assured by the tax department that Bank of America had received all information they needed to deposit the money back into our account. 

Bank of America did not follow the instructions they were given and mailed a check for the entire amount of {$1900.00} to the tax department. Once the tax department received the check with the incorrect amount, they returned the Bank of America check back to them on XX/XX/2023. I have contacted the bank at least 25 times to find out why our money has not been returned. I've been told mostly that it's because they can not return the funds until they receive the check back. It's a Bank of America check written by Bank of America. I've asked them why they can not issue a stop payment of their own check. I've been told they can not do that. Today is XX/XX/2023 and the funds have still not been returned to our account. Of course, every time I contact Customer Service, they have to talk to the Legal Dept and half the time the answer that comes back from the Legal Department does not make sense. How can a bank keep a customer 's money because of an error the bank made?
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate, aggressive action to rectify this situation, as it is causing severe damage to my financial well-being, and I hold Equifax responsible for allowing these errors to persist. 

The following fraudulent accounts have been reported on my credit profile : XXXX XXXX  XXXX Despite my relentless pursuit of justice and rectification, these fraudulent accounts continue to plague my credit profile, causing untold harm to my financial standing. I am not merely requesting, but DEMANDING that Equifax launch an immediate and aggressive investigation into these disputed accounts, ERADICATE them from my credit report, and furnish me with a revised credit report that reflects the truth about my creditworthiness. Thank you for your immediate attention to this critical issue.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (CA)

In XX/XX/XXXX I applied for a service with American Financial Benefits Center ( AFBC ). They stated that would help assist with a setting up my loans to become applicable with a student loan forgiveness program. I currently have 2 outstanding loans with XXXX and XXXX that total more that $ XXXX. The stipulation was that if I remained a client with there company for 20 years, my loan would eventually default and my loan would be applicable under " student loan forgiveness. '' The application process involved an agent obtaining my financial information, tax returns, and family size. In addition there was set up fee of {$490.00} then a monthly charge of {$99.00} a month. Every year, I would be contacted by an AFBC agent to update my yearly income or any other changes to the household size. By the end of XX/XX/XXXX, I was contacted by a customer service representative regarding the routine of updating financial information. The rep also mentioned that any information that I've read or heard regarding there group was false. At the time I didn't think much of it. They had been assisting me with this for almost 2 years, the customer service reps appeared professional and legit and have always responded to my emails promptly. Weeks after that conversation, I tried following up and no avail. My emails were getting bounced back and no one was answering there contact number. I did some research online and found out that there was a lawsuit from the FTC towards AFBC. The company has gone entirely dark and no contact information can be found anywhere. I've come to the deep realization that I have been scammed. 

Here is a link to a copy of my mailbox which includes all the communication I've had with AFBC. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Urgent Report Regarding Fraudulent Activity and Identity Theft Dear [ Consumer Protection Bureau ], I hope this message finds you well. I am writing to report a case of identity theft and fraudulent activity involving XXXX XXXX XXXX XXXX credit. I have diligently tried to resolve this matter directly with the involved parties, but unfortunately, my efforts have been met with significant challenges. 
Here is a detailed account of the situation : Fraudulent Account Creation : I never applied for a credit card with account number XXXX from XXXX XXXX XXXX XXXX. However, an account was created without my consent, and XXXX XXXX reports it as if it belongs to me. 
Employment Related Issue : I was an employee at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ). During my employment, the managers, including the general XXXX XXXX XXXX, HR XXXX XXXX XXXX, and XXXX XXXX XXXX, misled me into applying for a credit card, which resulted in the unauthorized creation of the account. 
Unauthorized Credit Card Issuance : After applying for a XXXX, XXXX XXXX issued me a store credit card without my permission, claiming it is an automatic approval if the XXXX application is denied. This practice seemed irregular, and when questioned, the general manager dismissed my concerns. 
Stolen Car Incident : Following my resignation, my car was stolen out of XXXX XXXX XXXX employees private parking lot by XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX  Tx XXXX where I found my car at and hes ID XXXX : XXXX who I believe may have ties to the mentioned managers due to the circumstances surrounding my departure. 
Police Report and Lack of Resolution : I reported the car theft to XXXX XXXX XXXX Police Department ) with report number XXXX, but there has been no resolution. Despite providing all necessary documentation, the case seems to be in limbo. 
Unresolved Credit Issue : XXXX XXXX 's investigation into the fraudulent account has yielded no results, and they continue to insist that the account belongs to me. 
I have exhausted all available avenues to resolve these issues, and I am now seeking assistance from the Consumer Protection Bureau to investigate and intervene in this matter. I have retained all relevant documentation, including screenshots and records of conversations with the XXXX XXXX XXXX managers. 
Your prompt attention and assistance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC (OH)

I was approved for XXXX loan from Acima and due lack of delivery from XXXX I cancelled my order the next 2 days I want to uncancel my order they you can do that and both companies took me through tedious process of not responding and lost my credit at Acima.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction.

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive/provide I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within XXXX business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed.

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

to whom this may concern, on the date of XX/XX/ i opened a new credit card with Syncrony ( Syncrony car car ) they are to report to all CRA 's on on the date of XXXX each month, However did not report this information of the status of my account on for month XX/XX/. 

I contacted the office on XX/XX/ the rep stated she would have this resolved however reported the account of the status on what it was on that date of XX/XX/ at XXXX balance. 

After noticing what happened on the decreased points on my credit file i contacted the reps at Syncrony bank back and advised the following the account was opened on XX/XX/, the reporting of XXXX XXXX never reflecting the balance at the time of {$5.00}. The amount of was paid in between the time i called on XX/XX/. I have advised several time they need to report the corrected amount for the month of XXXX however they are refusing to do so. 

This is violation of the fair credit act, due to this error my credit has taken a down fall of XXXX points. I have spoke with several reps and nothing has been done about this. 

due the recent hit on my credit i also was denied a new credit card with syncrony in hopes to do XXXX shopping with Ashley furniture, I have no idea until the sales rep pointed out why. 

the expectation is that my credit needs to be corrected with the correct information showing activity on XXXX and also XXXX
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

I got a bill again that I have paid to collection. 

I had few unpaid bills from XXXX XXXX 's XXXX Hospital.  Address : XXXX XXXX XXXX, XXXX, NJ XXXX. 
The Hospital sent the bill to a collection agency " Wakefield and Associates ''. The bill was {$200.00}. I had made a payment of total {$150.00} ( {$53.00} three times ). So I should have a balance of {$44.00} left. But the collection agency ( wakefield and associates ) paid a total of {$60.00} ( {$20.00} each time ) to the Hospital saying I  have balance {$140.00} left. Their website is also saying that I have a balance of {$140.00}. But that is not right. I have proof of each payment. I should have only {$44.00}. Now the Hospital sent  another bill for {$140.00}. 

I called the " Wakefield and Associates '' agency but they said they closed the account and they have no idea what happened. They asked me to call the Hospital. I called to the XXXX XXXX 's Hospital and the Hospital but the Hospital said, they got only {$60.00} out of {$200.00}. So, I have to talk to the agency to fix the issue. 

Now, I am completely helpless. Both parties denied me to help here. 

Address of the collection Agency : Phone : XXXX XXXX XXXX XXXX XXXX XXXX ( toll free ) XXXX XXXX XXXX XXXX, XXXX TN XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction. 

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive/provide I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A. 

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

Experian intentionally removed my mailing address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They did this with the intention to hurt me when applying for credit and credit increase I sent in an written statement stating not to remove my accurate address they did this to delay and to fully stop the dispute in process Someone that worked there used my mailing address and added apartments number in between the main mailing address I filed the dispute on certain addresses not this correct address as listed This company is a disgrace to the consumer and I have not been able to utilize my own credit when needed
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In response to CFPB Complaint ID : XXXX provided by XXXX XXXX XXXX representative XXXX XXXX XXXX Complaint response Case Number : XXXX Please provide me with a proper statement of account without the MICR banking information blurred out on the statements so I can properly identify this account. Unable to provide a proper statement will be in violation of the Securities Exchange Act and the SEC will be duly notified for these violations.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

Account names : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602A states that I have a right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 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