davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Billing Error amount of {$3600.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.
Consumer complaint received 2022-08-13
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This company is also furnishing data without my written consent in clear violation of 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 1692C Without the prior consent of the consumer given directly to the debt collector or the expeess permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Consumer ID # XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non- compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Hi a Few days ago on XX/XX/XXXX at XXXX at 53rd bank in XXXX XXXX the address is XXXX XXXX XXXX indiana, I deposited an amount of XXXX into a Fifth Third Atm. The machine counted and took the money but did not acknowledge the money and did not accurately show in my statements. I spent over XXXX hours on the phone and even went into the bank where I was then discriminated against. I filed a police report for the theft and would like to sue my bank.The incident happened in XXXX Indiana, and I am a resident of XXXX XXXX Indiana. Please help. This bank has taken part of illegal practices and have taken my money before. Ive also filed a complaint with the company and they have started a dispute process but they are known to always reverse the decision and negatively impact your account. I was left having an XXXX XXXX inside the bank location when I found out no one was helping.
Consumer complaint received 2022-08-13
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. (TX)

I have been submitting multiple letters XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-09-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing this letter to file a formal complaint against Bank of America due to their mishandling of my account and their negligence in addressing my grievances in a timely and professional manner. 

On XX/XX/2022, I liaised with one of your representatives, aiming to close my checking account and Bank of America Visa credit card. I fulfilled the outstanding amount of {$260.00} to seal the closure. The representative verbally confirmed this action. However, a subsequent review of my credit report in XX/XX/2022 revealed a delinquent late payment tied to the very same credit card I believed was settled and closed. 

Upon contacting your institution on XX/XX/2022, it was confirmed that my account had indeed been incorrectly closed, leading to the erroneous delinquent charge. Though the account was reopened to facilitate a proper closure and an internal investigation was launched, I received no further communication from your end. Only after escalating the issue to the Consumer Financial Protection Bureau ( CFPB ) did I receive any acknowledgment. 

During this entire ordeal, XXXX XXXX XXXX, the designated enterprise specialist, consistently ignored my communications. Her eventual response was only on the brink of the CFPB 's deadline. Moreover, the subsequent investigation inexplicably denied the forceful closure of my account and even negated the existence of my business account. 

Bank of America 's inconsistency was further demonstrated in a letter I received on XX/XX/2022, which stated that my credit card had been closed per my request and was marked as delinquent, contradicting earlier correspondence. 

The repercussions of your bank 's errors have been manifold. Notably, XXXX has terminated my credit cards due to the unwarranted delinquency on my record. This, combined with the now tainted credit report, jeopardizes my imminent mortgage application. 

Bank of America 's sheer disregard for this matter has been both alarming and distressing. The apathy and unprofessionalism shown by your staff are unacceptable. I expect a prompt acknowledgment of your bank 's mistakes and immediate rectification, notably the removal of the wrongful delinquency from my credit report. An official apology for the undue stress and inconvenience caused is also warranted. 

Should Bank of America neglect to address this grievance effectively, I am prepared to resort to legal avenues to safeguard my rights. 

Your immediate attention to this pressing issue is anticipated.
Consumer complaint received 2022-08-13
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. (PA)

This is my six endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXC XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

On XX/XX/2023 I initiated an XXXX Credit Bureau dispute on XXXX Credit Bureau reporting accounts Dept of EducationXXXX XXXX the accounts had been transferred to XXXX/Dept of Education on XX/XX/2023 XXXX XXXX responded on XX/XX/2023 the dispute process was completed and no changes to the Nelnet account had been updated, it remained the same. Therefore XXXX is continuing to report 10 duplicate Federal Student Loan accounts the balance with Nelnet remained on my report. 
On XX/XX/2023 I filed another dispute with the XXXXXXXX Credit Bureau to dispute the same XXXX Credit Bureau reporting accounts Dept of EducationXXXX XXXX my dispute is the accounts have incorrect balances, the balances are XXXX. Nelnet was paid in full XX/XX/2023, Nelnet should no longer be reporting a balance as of XX/XX/2023. 
On XX/XX/2023, I received XXXX response to my dispute, dispute process was complete. The information remain unchanged. I had difficult reaching someone at XXXX, that's ongoing issue, contacted member services who transferred my call to dispute representative who understood my dispute, however best the rep could do was to file another one. I informed the XXXX XXXX, the information is easily confirmed via their website and automated system, the XXXX accounts were paid in full XX/XX/2023 total {$130000.00} and all account balances reflects {$0.00}. This is XXXX disputes, I informed the rep, XXXX should be capable to correcting this information through a phone call themselves, I should not have to wait another 30 days to get another notification that the dispute was complete and the information remain unchanged due to their inability to confirm the balance with Nelnet. It's unfair to me as the consumer and I have information being reported that is incorrect and is knowingly incorrect but XXXX fail to update it. I have attached a copy of the Nelnet Statement and Payment history that reflect the date the payments were paid in full and the balance is XXXX. Why is this unable to be correctly updated in XXXX Reporting? This takes up too much time to continue this process, it's very frustrating, really wish you guys consider doing away with these type of consumer reporting risk companies. There has to be another way to obtain accurate information without consumers having to go through this type of steps to learn it is not removed after having written and confirmed proof.
Consumer complaint received 2022-06-26
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: EQUIFAX, INC. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-09-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 60 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. Also, per FRCA it is required that Im provided proof of original documentation bearing my signature and/or method of verification used within 15 days of a completed investigation, which I received neither. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach.
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I started disputing fraudulent inquiries in XXXX of 2022 and neither of the bureaus are doing anything to assist me! They're not responding to the disputes or even removing the inquiries. These inquiries being on my credit report is holding me back from applying for credit and I don't like that I'm not getting anywhere with any of the bureaus! I have sent a dispute on XX/XX/XXXX and XX/XX/XXXX ; both times were through certified mail so I KNOW they got my letters!
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/2022, Paypal sent me an email notifying me of a questionable money request with a XXXX phone number to call. I logged onto my Paypal account and the identical message and XXXX phone number was there. Since it was on my Paypal account, I called the number and was connected to the supposed Paypal Fraud department. The " Paypal Fraud '' agent told me hackers were attempting to access my BofA bank account and he needed to secure the connection between Paypal and my bank account. He instructed me to move money via XXXX to a virtual account, he would secure the Paypal-Bank connections , then the money would be moved back. I made two XXXX transfers totaling $ XXXX when my family overheard me, they urged me to stop. 

It was a scam. I immediately filed a claim with the XXXX Fraud department. I cancelled the questionable Paypal money request, and severed the connection from Paypal to my Bank, and then closed my Paypal account. I sent the original questionable email to XXXX and filed an ic3.gov report on XX/XX/2022. 

The Bank ( XXXX ) denied my claim as they could not recover the funds from the receiving Bank XXXX XXXXXXXX XXXX  ). The bank suggested I contact the " receiver '' and request my money back. The phone numbers provided to me on XX/XX/2022 by the " Paypal Fraud ' agent, now known to be a scammer, are no longer in service. Paypal refuses to take responsibility even though the information was imbedded into my Paypal account- saying the money transfers were outside the Paypal platform. 

I have not heard anything from ic3.gov to date. I have written an email to a local investigative reporter to possibly alert others of this scam. 

I would appreciate anything your agency can do to help me recover my {$1900.00}. Thank you.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX. 

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.