davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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. (CA)

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 and 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 2021-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (CA)

I have already disputed this account, unfortunately prior to a court date, they decided to take money from my bank account well over {$6000.00} on XX/XX/2021, funds that are responsible to support a XXXX of two family members of mine, paying funds back to family members who helped put funeral cause expenses, I just don't know when a debt is written off, still they want to come back after me prior to court date on XX/XX/2021 time XXXX Department XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-20
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. (GA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I had an account with SYNCB/SAMS credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to XXXX credit for the XXXX time on XXXX XXXX, 2021 and they failed to correct the account after months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They also have sent me the exact same letter numerous times requesting the EXACT same information. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently and inaccurately and it is damaging my credit scores. Each credit bureau reports this account differently. I found the FCRA 's XXXX XXXX XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. SYNCB/SAMS credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the credit bureaus.
Consumer complaint received 2022-09-26
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: Oklahoma Student Loan Authority (MD)

Good afternoon. My name is XXXX XXXX and I have a twin named XXXX XXXX. Over the past 7 years since we have started working we have had a problem with our credit scores. The credit reporting agencies continues to label us as ONE person when its obvious that we are TWO people. We have disputed many of the wrongful accounts through XXXX XXXX XXXX, and XXXX. Once it has been submitted the dispute will be taken care of initially. After about a couple of months the same encounter that was disputed comes back again. We are trying our best to get this issue corrected but seems as though we continue to get thrown back into the loop whole of a problem. Please help us to find any solution to correct this problem seeing as though credit scores are your lively hood. As well as play a huge role in your advancement through life. 

Department of Education Loan/ OSLA : {$15000.00} Opened XX/XX/XXXX Department of Education Loan/OSLA : {$12000.00} Opened XX/XX/XXXX XXXX XXXX Loan XXXX {$20000.00} Opened XX/XX/XXXX Contacted XXXX XXXX and spoke to a representative and was told that the loan had the wrong social security number but the correct school and student name. Was advised to upload my social security number to them to prove that the loan is indeed not correct person. 

Contacted FASFA to ensure what the correct loans for XXXX XXXX. According to FASFA the only loans attached to XXXX XXXX is from XXXX XXXX XXXX  which is correct. The only schools that XXXX XXXX has attended were XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and now currently the XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX attended the XXXX XXXX and obtained a XXXX XXXX XXXX. She currently attends XXXX XXXX. 

All of the mix up has caused a huge issue within the household financially, and emotionally. I XXXX XXXX has tried to apply to many lines of credit and have got denied due to the debt to income ration being entirely too high.
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Reference # XXXX, US DEPT OF EDXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have both personal and business accounts in Bank of America. My business account had a fraudulent transaction " possibly caused by this bank 's employee. I get direct deposit to my personal account. Bank of America is " relentlessly harassing '' me to bring Social Security Card to the bank location, otherwise they have threatened to close my personal account. I have provided all the information during opening my both personal and business accounts. I would have closed my personal account, but I can not quickly stop automatic deposit. Bank of America has serious security flaws within its employees, who may have stolen my business debit card info and fraudulently charged in XXXX. Once I switch my automatic deposit, i will close both accounts. This is a terrible bank engaged in harassing customers
Consumer complaint received 2022-10-08
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. (TX)

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and update from my credit report. 


XXXX. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX I did not authorize this account please delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I was approved for covid hardship assistance for my mortgage payments by Kentucky XXXX. Kentucky XXXX has paid my mortgage payments every month from XXXX of XXXX. My mortgage company has NOT be accurately reporting my payments from Kentucky XXXX  on time and has reported numerous late payments to my credit report which is 100 % inaccurate. Due to these mistakes my credit score has dropped significantly and I have multiple late payments on my credit report that need to be fixed and removed.
Consumer complaint received 2024-12-05
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: KEYSTONE EQUIPMENT FINANCE CORP. (TX)

I never signed any agreement that resulted in several hard hit inquiries on all of my credit reports. I simply wish their removal from XXXX, XXXX XXXX and XXXX accordingly. 

XXXX XXXX
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Opened a complaint last month. Company said it was resolved but it wasn't. I have a line of credit with two promo rates. One is fixed for five years, the other promo rate lapsed at the end of last month. I took an additional draw to use to pay down the lapsing rate ( which would be higher than the fixed rate ). The company applied the payment to the lower interest rate ( so they could collect more interest income ). I specifically asked for them to apply it to the higher rate. Initially they said they couldn't so i filed the complaint. After the CFPB complaint the compliance officer said they had applied it to the appropriate note however upon checking, they did not.This has become a pattern of consumer abuse. Luckily I work in the financial sector and am savvy enough to realize their deceptive practices however I fear for other consumers that have less experience in this industry. This treatment is nothing short of predatory
Consumer complaint received 2019-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (WA)

I have attempted multiple times to get my co-signer released from my student loans. We have paid 12 months of interest up front, as well as all the other steps listed on their website yet I am still being denied. No one returns my phone calls. I need my cosigned off.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (WA)

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXXl on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX collections on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-07-23
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. (IL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX CO ) XXXX Balance : {$350.00} XXXX XXXX XXXX ACCOUNTS ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have consistently provided information to show I did not authorize inquires including a wrong address that is listed on my credit report. The agencies are not removing the information even with the proof showing the information does not belong to me. I have been denied credit, jobs and other services due to this lack of due diligence by the agencies. It has caused me many mental, financial, and other related health issues.
Consumer complaint received 2020-10-06
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. (FL)

THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX  2.US SM BUS ADMIN ODA 3.XXXX  XXXX XXXX 4XXXX XXXX XXXX
Consumer complaint received 2018-12-12
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)

On or aboutXX/XX/XXXX, a dispute was put in related to XXXX XXXX reporting over the balance and causing a decrease in FICO score. This month XXXX XXXX has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. XXXX XXXX has increasingly target me and the only such financial institution that has reported to Experian to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the XXXX XXXX   headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/22 I attempted to purchase a puppy from what looked like a reputable site XXXX I got into contact with someone who told me pricing and shipping info. He stated the puppy was {$700.00} and shipping was {$200.00}. Comparing shipping prices it seemed low but not far off. Puppy price was low but within reason for a puppy not registered to the akc. They reassured my by sending updated pictures of said puppy. They reported their name as XXXX XXXX with an email of XXXX. The phone number they used was ( XXXX ) XXXX. They stated they were from XXXX Maryland. I sent the money through XXXX to a XXXX  name of XXXX with the email above. I got a shipping confirmation number on what looked like a reputable site XXXX tracking number XXXX. Listed on the shipper info is XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX XXXX. The next day when the puppy supposedly shipped I got a notification the puppy was on hold due to incorrect crate and I would need to send {$1800.00} that would be refunded for a new crate. I attempted to contact the seller who tried to play it off as a normal thing and continue the scam. I put it together at that point it was a scam and attempted to get my money back calling my bank and requesting the money through XXXX and calling the scammer for a refund. Because I authorized the money transfer, my bank stated they can not do anything and to contact the seller for a refund, which is impossible with a scam. I will attach the email and text messages I recieved.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I recieved a text message from BOA asking if I had approved a transaction at XXXX. I texted back no and I got a response of someone will be in contact. I missed the call 10min later so I called the number ( BOA on caller ID ) back. It was the BOA hotline number so I decided to hang up and take care of this after work. About 5 min later I got another call from same BOA number and I answered it as I had verified the number was in fact BOA. On this call I was told there was a lady named XXXX who was trying to transfer money with my XXXX from my savings account. This guy walked me through how to secure my XXXX with a new number and then we did some transfers of {$1800.00} ; {$1300.00} ; and {$400.00}. I recieved texts from BOA with codes and I did not share those codes with him but he still could walk me through EVERY step. The next day he called back ( as he said he would ) and he said we now had to transfer those funds back and gave me another XXXX number. I stopped recieving texts from BOA at this point and he got wierd. He said he would call back a XXXX day. He never called. At this point I called BOA ( XXXX. XXXX, XXXX  ) and talked to a XXXX. I asked " How do I know that this guy was actually with BOA? '' She said she saw an employee number attached to my account as having talked to me andso I had in fact spoke with some one from BOA. The only thing she saw wierd was I had a notice to go to a banking center with 2 forms of photo ID. I went the next business day ( Monday XXXX XXXX ). At this point the lady at the banking center called teh fraud line and we filed a complaint. We opened a new savings account and I was told I would get my money back as this was " clearly a disgruntled ex employee who knows how to hack. '' I was denied my claim 10days later. I called the fraud line again and the lady that time said " you need a scam claim not fraud '' so we refiled my claim. She said she saw the money was sent to a XXXX bank and they would work to get money from XXXX Bank. This scam claim from BOA was denied as well and we recieved another letter stating XXXX bank also denied giving us the funds back. That was today XXXX XXXX, 2022.