davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While incarcerated from XX/XX/XXXX until XX/XX/XXXX, multiple fraudulent accounts were opened in my name. All of the accounts were opened while I was in prison and are a result of identity theft. Bank of America allowed 3 credit card accounts to be opened in my name beginning in XXXX of XXXX. The accounts were closed at my requested in XXXX of XXXX. A XXXX 's XXXX XXXX XXXX  account was opened during this same period with a balance of {$5000.00} in addition to a XXXX department store charge card with a total of {$2000.00} in fraudulent charges. I contacted XXXX XXXX XXXX XXXX  to dispute these accounts. As of today only XXXX  has removed the fraudulent accounts. XXXX  reported the fraudulent activity to XXXX XXXX XXXX, however neither XXXX or XXXX has removed the fraudulent accounts from my credit file. Bank of Americas credit cards have a total of {$35000.00} in fraudulent debt opened in my name. Bank of America XXXX XXXX XXXX has a total of {$17000.00}. Bank of America XXXX XXXX XXXX has a total of {$9700.00} in fraudulent charges. Bank of America XXXX XXXXXXXX credit card has a total of {$5800.00} in fraudulent charges all as a result of identity theft. All of these accounts were opened as a result of identity theft while I was incarcerated. I do not know who opened these accounts and have exhausted all my options and resources to resolve this matter.
Consumer complaint received 2022-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

There are so many student loans on my credit report and they need to be deleted, they are 20+ years old, please delete them. 

There are a few that say they were late, they were never late. I applied for forbearance and was granted it every time. I need all those consolidated and I keep getting harassed about them and my parents do as well. I need them all of the deleted and the 3 left combined. I need help, I cant get a home loan with these on here.
Consumer complaint received 2022-05-02
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. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and the items still haven't been corrected. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I closed my US accounts with HSBC bank after they announced they were exiting the US market and selling their business to another bank. I transferred my money to a different bank of my choice. Subsequently, HSBC is charging a monthly maintenance fee and are now trying to collect it as a debt!!!
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ATTN : EXECUTIVE OFFICE AFFIDAVIT OF TRUTH Notice to all, I am that I am, the consumer in fact the natural person original creditor, lender, executor, administrator, holder, in due course for any and all derivatives thereof for the surname/ given name XXXX , XXXX , and I have been appointed and accept being the executor both public and private for all matter proceeding and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact so be it.

Where as, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, and I depose the following facts, so be it, now present : Fact, The FAIR DEBT COLLECTION PRACTICES ACT is intended to secure my right to privacy and my privacy has been breached so be it.

Fact, Pursuant to 15 USC 1681 ( B ) ( 2 ) I am requesting that your company produce a contract with my signature granting the permission to furnish these accounts to my consumer report. Pursuant to 15 USC 1681 no consumer report shall include factual information or credit transactions. Your company is in violation of Federal Law. Due to identity theft these fraudulent accounts have damaged my credit worthiness. 

I did not authorize the following accounts : - XXXX XXXXE - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - US DEPT OF ED/XXXX Fact, I am sure the removal of these accounts from your company records or any and all derivatives therefore of and or with any affiliates will ensure my privacy rights will not be violated again due to my lack of consent and this herein unrebutted AFFIDAVIT OF TRUTH being serviced to you today and therefore standing as truth in commerce so be it. 

Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your website in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America offered me a promotional balance transfer APR of 0 % until XX/XX/XXXX. In XX/XX/XXXX I took advantage of this promotion and transferred a balance on to my card. 

I called Bank of America and asked them how I could go about continuing to use the credit card for purchases, while avoiding paying interest on my bill. I was told that as long as I made a payment equal to the minimum payment plus any purchases I made, I would not be charged any interest. This is also reflected on the statement in the section " Important Information About This Account '' : HOW WE ALLOCATE YOUR PAYMENTS- Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. 

Based on this information, I made a payment on XX/XX/XXXX of {$980.00}. This includes a minimum payment of {$47.00}, plus {$930.00} in purchases, plus {$6.00} in previous interest. Based on what the statement said, {$47.00} of my payment would be applied to the Balance Transfer balance as it has the lower APR, while the rest would be applied to the purchase balance as it has the higher APR. 

When I received my statement on XX/XX/XXXX, I was indeed charged interest on purchases I had made, in contradiction to what both the statement says and what I was told over the phone. When I called to speak with Bank of America about this, I was told that this is how they handle credit card interest when people have a promotional APR. Purchases will start accruing interest immediately, even if the full purchase amount is paid by the due date.

This means that while they may not be charging me interest on the balance transfer, they are instead now charging me interest on purchases they would not normally have charged interest on. Every credit card I've ever had charges no interest on purchases that are on the statement as long as a payment equal to those purchases is made before the statement 's due date. Bank of America apparently changes this policy when a customer takes advantage of a promotional APR they offer.
Consumer complaint received 2020-08-24
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. (FL)

This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information
Consumer complaint received 2022-09-27
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Dispute of Inaccurate Information on my Credit Report XXXX XXXX XXXX  Auto Loan Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I am a victim of identity theft and I never opened this account. 

XXXX XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$240.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX  Unsecured loan Account # : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$420.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX Account # : XXXX Balance : {$310.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX Account # : XXXX Balance : {$960.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Furthermore, I would like to dispute the following unauthorized inquiries : Inquiry from XXXX Date : XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

[ Other Inquiries- list them similarly as above ] [ Explain the discrepancies and request their removal. ] I kindly request that you conduct a thorough reinvestigation into these matters and provide a written response. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BETHPAGE FEDERAL CREDIT UNION (VA)

On XX/XX/2022 I wrote a check # XXXX for {$13000.00} to XXXX XXXX on behalf of my business XXXX XXXX XXXX. The purpose of this check was to pay an invoice for their client XXXX XXXX. 

The check was mailed to XXXX 's former address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX but was not forwarded to their new address XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX did not receive this check. It was intercepted at their former address by an individual. 

The check did clear my account but not by the intended recipient. It was deposited to Bethpage Federal Credit Union. I alerted my bank and they initiated a fraud claim with Bethpage at the end of XXXX. XXXX had 90 days with which to respond and they have not done so. My bank suggested I file a complaint with CFPB. 

I have copies of the front and back of the check as well as a notarized letter from my bank noting that I am claiming fraud. I also have a letter from the intended recipient, XXXX XXXX, noting that they never received this check.
Consumer complaint received 2021-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

In XXXX I took out an auto loan for a new car with 5th 3rd Bank. On XXXX XX/XX/XXXX I mailed in the final payment. The check cleared my account XX/XX/XXXX. Later that day 5th 3rd had my fully paid off car repossessed! 
I was forced to pay {$1800.00} cash to get my car. I paid this at the branch XXXX XXXX XXXX XXXX XXXX, NC XXXX within 15 minutes of my car being stolen. 
I spent weeks trying to get my money refunded. I spoke with the manager XXXX who said the money would be refunded. He said they did not know where " which pot '' my money had gone into. The next week he left a voice mail saying the same thing. 
I have received a check for {$510.00}. No idea why this amount. 
My final payment was {$1200.00}. Again, cash required to get my car was {$1800.00}. 
This entire situation is completely nefarious! 
Requesting full refund of {$1800.00}. for overpayment.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

I saw a debt collection appear on my credit report this week. This was for a debt that I had already settled with the original utility company, XXXX. This was done when I moved away, returned equipment, paid final bill. The final amount was only {$180.00}. This was in the early summer of XXXX. There was no further communication, as there was no need. 
Almost two years later the company named, Waypoint Resource Group, reported to all credit bureaus that I held a valid debt. I have never been notified, received anything in writing in paper or email, to validate the accuracy of this debt. 
On XX/XX/XXXX I contacted XXXX to see what happened on their end. Since I used to pay for two different accounts ( my parents & mine ), they messed up on not accurately reported mine as not settled, I can only guess. Either way, I paid it once more. They said they would remove the debt from the collection company, Waypoint. 
On XX/XX/XXXX I contacted Waypoint Resource Group. I asked that they not only close this with the proof of the settled debt, but that they remove the entire report from my credit. I know that only the reporting agency can do such actions. Since they never validated the debt, how could they just report unverified info that can hurt someone's finances. I was hung up three times while trying to speak with an agent at Waypoint. They were extremely rude. They said they tried to contact me 74 times. I like anyone these days have a scam-blocking service by XXXX  on my phone. That service only blocks calls from unfavorable, companies with negative XXXX reports and such that one would earn from scam calling ... After trying to speak with them, I can believe that I am not the only one with a complaint about Waypoint. 
So I ask that you, the CFPB assist me in dealing with this awful financial resource group.
Consumer complaint received 2023-10-23
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)

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.In accordance with FCRA, I am requesting these items 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. 

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 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
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXXXXXX XXXX XXXX unemployment has released funds of {$7200.00} into my fathers account with Bank of America which i wasnt a secondary holder of, After the funds were deposited the bank supposed it was fraud actions being done only because i wasnt under the account i was only a beneficiary so they then closed the account and told me the XXXX XXXX XXXXXXXX XXXX department has to come forth for the funds. So i took action by providing documents to the bank and reaching out to XXXX XXXX department for a letter from unemployment stating that the funds were intended to be there. Ive reached out to both companies many times looking for a resolution over the years and calling lawyers to help solve the problem. Unemployment has continuously stated that they can not go forth for the funds if already deposited and the bank stands on only releasing the funds if XXXX XXXX Department comes forth
Consumer complaint received 2021-04-24
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. (MO)

I have filed with XXXX, XXXX, Experian, XXXX  XXXX, XXXX XXXX, and more! I can't even get a credit report right now because it says I'm entering the wrong information! The one I can get from Experian tells me a have a card with XXXX XXXX, a mortgage, a car loan. I've been telling you guys for years I applied for a XXXX account and have been told by XXXX gov and XXXX that my account number XXXX is a account with them but it's not under my name or social! Credit report after credit report has been requested in XXXX XXXX! I was locked up at XXXX. XXXX XXXX XXXX at XXXX Honor XXXX XXXX, XXXX, XXXX since XXXX XXXX and was originally incarcerated XX/XX/XXXX and didn't get out till XX/XX/XXXX! How did I order credit report after credit report? How did I open account after account? How did I take out a loan? Someone is definitely using my accounts fraudulently! Please help! Every credit report is incorrect and has been since XXXX at least! What do I have to do?
Consumer complaint received 2024-09-16
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!