davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 between the times of XXXX XXXX  CT, I was making a cash deposit of {$1100.00} USD at one of Bank of America 's atms. After the money was received and while the ATM machine was processing the deposit, the atm machine said there was an error, gave me my card back, then went back to the home page. I checked my balance and saw that my deposit was not reflected in my pending or current checking account balance. I was not given a receipt. I then immediately called the number on the atm and reported this issue. I was told they have the atm number locator where this occured. I was told a temporary credit would be added to my account while they investigate this issue. It has been over a week now and my account has not been credited for the money I deposited. I have called several times and they have been unhelpful. My rent is now 6 days late and building late fees at XXXX XXXX ( after the XXXX of the month ) because I do not have access to the money. At a time when I was recently laid off, this has wreaked havoc on my life and caused undue stress. If they would simply check the cash of atm they will see that their is a surplus. If they would just check the cameras, they will see that I did indeed make a deposit and the error was on their end. All I want is the amount I deposited, {$1100.00} USD, and late rent fees I've accrued because of their refusal to give me the money I deposited, which is currently {$60.00} as of XX/XX/2023.
Consumer complaint received 2023-02-23
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: Bread Financial Holdings, Inc. (FL)

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I have an account with XXXX, which was paid as agreed. I closed my checking due to a fraud issue and had to file a complaint to get the company to allow me to update my bank account so I could pay my payments. This resulted in me being late. I made payments and updated my account which is now current, however, on my credit reports it shows as late with no payments. In addition when I logged in today my account shows as charged off. Im paying the debt and I was never informed my account was closed or charged off.
Consumer complaint received 2024-09-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

XX/XX/year> I SUBMITTED DOCUMENTS FROM XXXX XXXX UNIFIED SCHOOL DISTRICT ALSO DOCUMENTS FROM DEPARTMENT OF EDUCATION I HAVE SPOKEN WITH MOHELA SUPERVISORS MULTIPLE TIMES IN THIS REGARDS TO DISCHARGING THE LOAN THEY HAVE ADMITED OVER THE PHONE AS THEY SAY THE PHONE CALLES ARE BEING RECOREDED THE DOCUMENTS SHOWS PROOF I DID NOT GRADUATE HIGH SCHOOL MY HIGHEST IS XXXX GRADE
Consumer complaint received 2023-04-08
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. (FL)

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. 

1.XXXX  XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3. Department of EducationXXXX XXXX 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 2023-02-17
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (TX)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of 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 XXXX
Consumer complaint received 2023-05-31
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX Transunion Consumer Solutions XXXX XXXX XXXX, XXXX PA, XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, Not later than 4 business days after the date of receipt. It has been 30 days you are in violation of this law because I am victim of identity theft! Please delete these items IMMEDIATELY. 

XXXX XXXX {$500.00} These accounts should not be furnished on my consumer report as they are in VIOLATION.

Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject To subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In Accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed immediately. 

Thank you. 
XXXX XXXX
Consumer complaint received 2023-08-18
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2022-10-07
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. (PA)

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 2023-05-11
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: AMERICAN EXPRESS COMPANY (MA)

I had gotten a virtual American Express card for {$50.00} and placed it in my XXXX account as a payment method. When I tried to use it it was declined. I knew I had not used it so I called the number to find out what was going on with it, I found the number online and they gave me the Tech Support Team number of XXXX. The first time I called was on XXXX. I was on hold for 45 minutes and finally, someone picked up. They checked the card and saw there was still {$50.00} on it and told me it had been shut off because it was being used on a fraudulent site. I told them it was XXXX. They took my information, gave me case # XXXX, and said I should get a replacement card in 4 weeks. I never received it so I called back on XXXX. At that time I was told that under that case number, they only had a name and a state so no card could be mailed to me. I said I gave him all my information but she said that was all that showed. After that, I got a new case number and was assured I would have a replacement card in a week. The # was XXXX. She said there was no way it would take 4 weeks. By XXXX I still had not received a replacement card so I called again. This time the agent told me the reason I had not gotten the replacement was that I did not submit a copy of my license and a picture of the card. This department is the lost card department. I asked him if someone has lost his card how would they submit a picture of it and that no one on the previous calls had told me I had to submit my license and a photo of the lost card. I told him it was a virtual card. I said can you look at the notes from the previous two cases. He said there are no notes. After I told him it was a virtual card he said he did not need the paperwork and that they would email me when my card was sent. The new case # was XXXX. I have not received an email, I have not received a replacement card. The card number is XXXX I have the CVV and expiration date. I reported this to the XXXX  and received a letter from AMEX saying the three reps had entered the case incorrectly and I would be sent a replacement card. That was at the beginning of XXXX. I have since complained to the Attorney Generals ' offices of XXXX and NY. I feel this is fraudulent for them to shut the card off and not replace it. This was {$50.00} into their pocket and out of my pocket. I can not understand how such a huge company can be so incompetent.
Consumer complaint received 2023-05-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I was originally steered to a private student loan instead of applying for a federal student loan. There was no reason that I should of been forced to apply for this personal loan when I was 100 % eligible for a federal loan. This was very shady of both the school and navient. Per the multi state lawsuit, this was found to be illegal as the schools were motives by the financial kickbacks of then XXXX XXXX. I have now been stuck paying on this since 2007. 16 years and the loan has not decreased in balance. I am being penalized because I was current on the loans, where others have had thier loans discharge under the multistate lawsuit. Now that the interest rates are increasing, so too is the rate on the loan. Due to predatory leaning practices, I will be paying a large sum of money forever. Navient has more than made up for the loan over the last 16 years that i have made payments. Since this was for a loan for a school that has closed, no one will refinance it. I am stuck in this loan and due to predatory lending practices, paying on this loan forever.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist placed a levy on my account because of a child support levy. This child support case is my son 's, whom I added to my account for convenience. My son disputed the levy with the child support office, and Truist confirmed that the child support office issued a release for the money to be released. After the money was released, I closed the account and transferred my money into my new account. My son is not in my new account. However, I went to the bank today, XX/XX/XXXX, and was told that the levy department went into my account and withdrew {$810.00} for child support levy. Bear in mind that this is my account and my son isn't on it. Therefore, this is an unauthorized transaction. Truist has illegally debited my account for no apparent reason. And no one can tell me why the money was taken from my account. Please stop Truist from making fraudulent transactions on customers ' accounts. Truist is getting away with all these illegal activities. The complaint ID for the aforementioned case is XXXX. The person who handled this complaint also stated an order was received from the child support office, to release the levy hold.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (FL)

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 XXXX XXXXXXXX XXXX XXXX, 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 an 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 ot
her 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 2023-05-03
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: Experian Information Solutions Inc. (GA)

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 name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : US DEPT ED # XXXX Account name, XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 2023-03-29
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

I have a target XXXX credit card. I depend on their website to inform me when a payment is due and how much. On XX/XX/2023 I received a notification from XXXX XXXX that a payment had been reported 30 days late to my credit report by Target XXXX. I found this shocking as the last time I checked their website it said my next payment was due on XX/XX/2023. I immediately checked their website again and the information there still stated that the amount due was XXXX XXXX  and was due on XX/XX/2023. Nowhere did it state that there was a late payment of any kind. 

I then called their customer service line and they refused to talk with me until I paid the amount due. Which I did happily and would have done sooner had I any inclination that I was late. After I paid they allowed me to speak with a customer service rep and began a dispute regarding the adverse information reported to my credit report. 

On XX/XX/XXXX I received a letter from Target dated XX/XX/XXXX stating that they investigated my concerns but would not remove the adverse information from my credit report. I then called the customer service line again and was hung up on. I then called again and the rep said my only recourse was to call the corporate office line and provided me with this phone number XXXX. This turned out not to be a corporate office line and actually just an information line about gift cards. 

I called the original customer service line again and was told there is nothing they can do and that their supervisors are not allowed to communicate with me. They left me with only one option of again entering a dispute into the system that had already failed to fix the issue. I have since looked over my payment history and realized they have charged me late payment fees multiple times despite never informing me of a late payment. 

I suspect this XXXX be an effort to intentionally mislead customers so they can make more money from late payment fees.