davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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: COLLECTION SERVICES OF ATHENS, INC. (GA)

I wrote a dispute letter, waited 30 days and no respond. Then I wrote a letter asking for validation and no response also I sent in two forms of ID as well as as proof of address. 

Letter that was sent : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Ga XXXX COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong, I'm just saying that Im not XXXX percent sure if they are. I also read the Fair Credit Reporting Act, which said that by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this. Could you please send it to me? Also, please let me know who had access to my files as well. I want the investigation outcome to be sent to the address I put on the form area. 

Thank you for your time and help in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-08-25
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. (MS)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX Owed : {$10000.00}
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that 3 credit reporting agenciesstill indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have notresponded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must completetheir investigation within 30 days. Please check payment history, date open, last activity and Status ofthe following accounts which i believe were reporting in error. 
XXXX XXXX Balance : {$7400.00}
Consumer complaint received 2022-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX, XXXX, I brought a XXXX XXXX Savings Bond to Bank of America to cash. After determining its value, Bank of America deposited the proceeds into an account they opened for me. In XXXX, XXXX, I received correspondence form Bank of America that was somewhat incoherent, but noticed that a hold had been put on my account there, and the original deposit had been reversed. After calling Bank of America to try to find out what was going on, I was unable to get any meaningful information explaining the situation, ad was advised by the telephone representative that I had to go into the local branch and speak with the representative there. I did do this and was informed by the representative that the US Treasury said the Savings Bond was counterfeit, or fraudulent.

Since I have had this bond in my possession since its original acquisition in XXXX and have cashed other XXXX XXXX XXXX in the past without problem, I found this to be extremely troubling. To try to corroborate what I was being told by Bank of America ; I went to the US Treasury website treasurydirect.gov where there is a calculator that determines bond value after inputting the identifying specifics. My assumption was that if there was a problem with this bond, it would be flagged as problematic in some way when it attempted to provide the value. There is no indication of any problem with the bond, and the values given both with respect to principal and interest earned were identical to what Bank of America originally had computed. 
At this point my account that Bank of America froze had around {$1000.00} remaining in it, and well as they apparently put my account in a deficiency because of their reversal of the original deposit. I was advised that the problem was with the U.S. Treasury and that I would have to resolve it with them. There does not seem to be a way accessible to retail customers such as myself to do this. The online waiting time after a trying to call several times is around two hours, and I still would have no specific pathway to resolution. Moreover, I am not particularly confident that what I was told by Bank of America is accurate since the Treasury website does not indicate a problem with the bond, and I feel like I am being given the run-around.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by TransUnion, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), TransUnion has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. XXXX - # XXXX
Consumer complaint received 2022-08-25
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion is governed by 15 USC 1681. Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Remove these accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAC Financial Corp (TX)

After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because CAC XXXX did not communicate and respond to them the claims were not paid. 

After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX   ) it appears the CAC removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.
Consumer complaint received 2020-02-21
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. (AR)

I received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off my report.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/22 I went to the branch to deposit a cashier check into my business account. I did not want to deposit a personal check due to the holds Bank of America usually places on personal checks, so I thought it was best to get a cashier check for the amount of {$12000.00}. 

Knowing I needed the funds to cover business payments, I asked the cashier ( who happened to be the manager on duty ), if a hold was going to be placed on a cashier check. He explained the only way he could know that was by going through the process of depositing the check. I told him then that, if a hold was to be placed, that I needed my check back to deposit at another bank or to just cash it and deposit cash. He agreed and processed the deposit. He told me then that, in fact, a hold was to be placed but only until the next business day. He told me that {$5300.00} were going to be available the following Monday ( I was making the deposit on a Friday morning ), and the balance on XX/XX/22. I was ok with that timeline and proceeded with the deposit. About and hour later I get an email from the bank stating that the check -a CASHIER CHECK- was at risk of being returned, and they were placing a hold through XX/XX/22!!! I am running a business and, no matter if we are the smallest business on earth, any amount that contributes to our cash flow is of extreme importance. They are holding a cashier check for 11 days!!!! And we not only find it abusive -the bank is using that money for free for 11 days straight-, they are pretty much obstructing the operation of a small business... I am beyond furious and can not wait to get the check released and close that account and everything BofA related, but I really hope my experience serves as a showcase for others to avoid this bank and, more importantly, for the regulatory entities to work for the people, especially, for small business owners trying to recover from a brutal past 2 years. I have called several times and they still refuse to release any portion of the funds. I defaulted on some payments and had to borrow money to cover expenses when I didn't have the need to... This is just outrageous!
Consumer complaint received 2023-12-29
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)

This is my repeated favor that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 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 2020-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Hello, I made a payment of {$3700.00} on XX/XX/20 for the student loan I have. The payment has never been applied to my account. I have sent several emails asking where the money is with no responses. I called today because the payment is still not showing that it was posted to my account. I spoke with one person that said it was applied to my principal but he couldn't show me any documentation of that because of how it was applied. I asked him to send me an email stating that activity, he said he would but I never received it. 
I called back and spoke to another person and he stated that he showed the {$3700.00} was refunded, payment cancelled, upon my request. I NEVER called and cancelled a payment and I have NOT received a refund. The person I spoke to said that he filed a complaint to have the issue looked into to see where the money is. I am very upset because my payment is " lost '' and I have received two different explanations. I am attaching my confirmation of payment that was " posted '' on XX/XX/20.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (PA)

Tried disputing a credit line that I did NOT open. I also have not ever had a history of using credit cards and someone managed to open a credit card and max it out completely in my name. 

My credit score completely bombed and it is now at the lowest its ever been. 

Upon trying to dispute and rectify this issue, the investigation only took a measly 2 days before results came back, suggesting they didn't investigate it as thoroughly as they should.
Consumer complaint received 2022-08-24
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. (KS)

I am currently in the XXXX XXXX. While stationed abroad, my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.
Consumer complaint received 2020-02-21
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: Experian Information Solutions Inc. (CA)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had major XXXX which resulted in XXXX XXXX from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-08-24
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: CLGF Holdco 1, LLC (FL)

Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. 

I would like to file a complaint on CB Indigo Account # XXXX in the amount of a {$300.00} Credit Limit account is showing on my consumer file as delinquent. 

I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b )
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX, and US DEPT ED XXXX have violated my rights 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 an account without my written instructions.