davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Consumer complaint received 2023-05-21
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. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, XXXX and Equifax, there is a late payment listed on my account for XXXX XXXX I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (GA)

I received a notification from XXXX XXXX XXXX regarding a new account being opened in my name. I checked my credit report and there was an account from CB Indigo/GF opened on XX/XX/23 found on XX/XX/, that had a balance of {$130.00}. I contacted the company with the number provided on the credit report and spoke with a representative, informing her that the account did not belong to me, she asked questions and verified that the address on file was not my address and would initiate a fraud investigation. She instructed me to file a complaint on this site and it would take them approximately 60 days to investigate and remove the account from my credit report. The contact number for CB Indigo/GF is XXXX XXXX ) XXXX. Thank you for taking the time to look into this fraudulent activity.
Consumer complaint received 2023-05-21
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. (GA)

On the Date of XX/XX/2023, XXXX reported that I had an account open that was already paid off but they reported as late, No big deal tried to dispute it but XXXX marked the information as correct. Then on XXXX XXXX 2023 They marked the account as 60 days past due even tho XXXX  themselves when called had said the account had already been paid off - This dropped my score over 125 points with no reconciliation
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (TX)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-08-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, there was an ATM withdrawal from my XXXX debit card account using my information! The problem is that I had my debit card in my wallet when this withdrawal was executed! I live in XXXX XXXX, Ca and the transaction was executed at a XXXX ATM in XXXX, Ca. 
I conveyed this information to the bank, and they denied my claim stating that upon investigation, the transaction was authorized by me or someone else that I gave them authorization to do so! 

I am appalled and insulted for this decision, as it is clear and obvious via my account history, that this transaction was not authorized and fraudulent! 

I asked to speak to a supervisor, and was hung up on by the customer service rep I spoke to... 

This is wrong and I depended on this money for bills. This was my unemployment benefits, and I would like for Bank of America EDD card operations to do the right thing and refund this unauthorized withdrawal... 

It was in the amount of {$120.00}, and was NOT authorized by ME... 

It was simply stolen from my account in a fraudulent manner ....
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had mailed in a dispute to each bureau on or around XX/XX/XXXX. The dispute was against XXXX XXXX XXXX for incorrect and erroneous reporting that transpired after the settlement of the account in XX/XX/XXXX. This issue was made know during the processing of my mortgage for the purchase of my new home. On XX/XX/XXXX, I had applied for a mortgage to start construction on a new home through a builder. The home slated to be completed in XXXX with closing set on XX/XX/XXXX. Last month, on XX/XX/XXXX, when my loan officer re-pulled final credit needed since my original report had expired, I was made aware of the unacceptable updates made on this account. 

The account in question was a charged off auto loan through XXXX. This loan was settled on XX/XX/XXXX. That was the date of last payment made on this account. This was not an acknowledgement or acceptance of the debt ; it was merely an attempt to help improve my overall credit status to be able to move forward with my life and move my family on to a new home. There shouldve been no subsequent reporting since then ; yet, there were several. Enclosed are the disputes that were sent to each bureau. Additionally, after the submission of these disputes, I was able to obtain a copy of each tri-merged credit report that was pulled for the purchase of my new home. I was also able be accommodated with a breakdown of each bureau, showing the account in question. This was provided by XXXX, the company used by my lender to pull each credit report. In speaking with them, they had informed me of each bureaus specific illegitimate status updates on this account. 

Within the disputes I had requested that each bureau provide me with the information being used to maintain such errors on my credit report and even went as far as requesting a wet ink signature validating that this account was in fact mine. In calling each bureau today, I was informed by XXXX that the disputes were final, and no changes were made. I was told by TransUnion that the dispute was completed ; however, the rep acknowledged that the initial reason for the dispute was NOT addressed and that a new dispute was re-submitted and that Id have to wait an additional 30 days. XXXX claimed that they hadnt changed the reporting of an old dispute and then alleging that they hadnt received anything in XXXX from me. This is unacceptable being I am at risk of losing my new home that construction is just about complete, along with the substantial deposit that is on hand with the builder.
Consumer complaint received 2022-10-13
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-06-23
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. (GA)

I HAVE CALLED XXXX XXXX AND THE COMPANY XXXX XXXX ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND TRANSUNION.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

As a federally protected consumer, this is my Protection under the FCRA Section 623 and you failed to comply with reporting a notice to dispute. As a result, each account that doesnt have a notice of dispute is a {$1000.00} per Violation. Experian did not enter the notice of dispute on my Consumer Report. I mailed a letter on XX/XX/2021 and they have yet to follow the consumer laws and its almost been 2 months.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Financial, LLC (CA)

BAM XXXX XXXX XXXX or XXXX XXXX  will not allow me to withdrawal my assets from my account. I am locked out of trading, ( buying and selling assets ) and even just being able to access my funds. I have submitted numerous tickets to the company with no reply. On XX/XX/2021 I submitted complaint ticket # XXXX. 
Also on XX/XX/2021 I made test USD deposit of {$620.00} which there is proof of deposit and amount left after the deposit was less - {$100.00} I really would just like withdrawal access of my funds. I have done nothing wrong. 
As of today XX/XX/2021 my account standing is {$25000.00} that I have absolutely no access to. Thank you for all your help and support!!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-11-16
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. (NY)

This ( XXXX XXXX XXXX. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I sent Infiniti finance an instrument to set off the debt which they accepted but never applied the amount to my account this was back in XXXX of 2020, so the debt has already been satisfied. Pursuant to the UCC 3-603. TENDER OF PAYMENT. 
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. 

So if Infiniti finance refuses to accept the international bill of exchange the bill is discharged by payment in due course Payment in by or on behalf of the drawee or acceptor.

I am in the process of buying a home and this fraud reporting will affect the process in a negative way but before that report was placed I told Infiniti finance that the vehicle was traded in.
Consumer complaint received 2021-05-25
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. (AZ)

On XXXX XXXX, I sent a letter to Experian, XXXX XXXX and XXXX XXXX Risk Solutions to dispute bankruptcy. XXXX XXXX did respond to my dispute saying that they were unable to verify the accuracy of the bankruptcy, so they deleted the record immediately. Also, XXXX XXXX sent me a letter saying they tried to contact Experian but they did not respond. I started the dispute since XXXX but the 3 Bureaus never responded to any of my letters regarding my dispute. Please help me reach out to the Bureaus because they ignore my request. I have applied for mortgage for several times but I always got rejections. I am really looking forward for your help anent this matter.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (DC)

CONTACTED THE COMPANY NUMEROUS TIMES TO GET THIS ERROR UPDATED. Its reporting twice on my credit report. I have paid and settled this account but its still reporting monthly as a charge off, and its listed on my credit report twice. When I call they inform me when they switched from regular cards to chipped cards it ended up reporting twice on my report. I would like this removed from my credit report.
Consumer complaint received 2022-09-22
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: Fidelity National Information Services, Inc. (FNIS) (IL)

XXXX Checking ACCOUNT ONGOING DISPUTE The company has repeatedly denied responding via CFPB even if I have stated all the information needed based on my file with them. They refused to remove my name under the Chexsystems report which is not fair and absurd. 

They have cited that it is lawful of them to report the account but forgot to address the difficulties I have had and went through with the entire process of this issue. They have omitted the inefficient actions by their representative and misleading information that has been fed to me, scaling back to the moment that I have placed a dispute.
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 — Account status incorrect
Company: Goal Structured Solutions, LLC (PA)

I signed up to be the cosigner for a loan, servicer Launch Servicing LLC ( on behalf of XXXX XXXX ), for career training for the primary borrower. The primary borrower declared bankruptcy this year prior to the first payment of the loan coming due. The account was listed as in default in XXXX of 2022 but when asked about this Launch stated that this was an error, the loan was in fact NOT in default and the status returned to deferment. I received a notice dated XX/XX/2022 stating that since the primary borrowers bankruptcy was discharged I would now be solely responsible for the loan. It should be noted that this is the last correspondence I received from Launch and any further contact has been initiated by me. I was aware that this was the case so I was logging in the check the status periodically in preparation of the first payments due date. I checked in early XXXX and saw that the balance was showing as {$0.00}. I called in to inquire as to why that is and was told that the lender had decided to discharge the loan. I was not given a chance to make payments per the agreement I signed ( all cosigner related documentation attached ). They have not given me the opportunity to fulfill my obligation to pay and have reported the account as charged off on my credit report unfairly. I contacted Launch and requested they reopen the account, allow me to make the payments and remove the report from my credit report. They have refused to reopen the account and claim that the report is just. The survivability clause in the credit agreement states that the original agreement stands even in the event of primary borrowers bankruptcy making this report unfair as they stole my ability to make the required payments. Launch has stated that it is XXXX 's policy to charge off the account in the event of primary borrower 's bankruptcy but this is not stated in any of the loan documents that I or the primary borrower signed. They have violated the initial agreement. Proof showing that the account was never in actual default attached despite their claims when I call in that the account was in default at one time
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (WA)

I graduated from XXXX XXXX XXXX. with XXXX degree in XXXX. I XXXX XXXX XXXX for post XXXX XXXX from XXXX, and consolidated my federal government student loans in XXXX. In XXXX the Biden Administration was doing One-Time Payment Count Adjustment to grant loan forgiveness. based on the recount I have exceeded the 20 years payment and should have received some forgiveness. I contacted StudentAid.gov and they said they would be getting to my loans by the end of XXXX. I continued to reach out to get the one-time count adjustment and was directed by StudentAid. gov to reach out my loan servicer. my servicer is AidVantage ( previously XXXX ) and they told me to reach out to studentaid.gov. i sent multiple inquiries, complaints, and escalations to AidVantage and StudentAid.gov. I was told by my servicer that when i consolidated, my loan payments were reset to XXXX. They are not adhering to the one-time recount. Their practices are shady and had i known, i would have never consolidated with this company. 'AidVantage ' ( XXXX ) was intentionally misleading and has shady busy practices.