davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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. (AR)

I hope this letter reaches you under favorable circumstances. I am writing to express my ongoing frustration and dissatisfaction with the unresolved issue of fraudulent items persisting on my credit file, despite my previous attempts to rectify the situation. 

As detailed in my earlier communication, I brought to your attention the presence of fraudulent entries on my credit file. Regrettably, the issue has not been adequately addressed, and the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

To recap the previous attempts made to resolve this matter : Initiated contact with your fraud department to report and request the removal of fraudulent items from my credit file. 

Submitted a formal written complaint, providing comprehensive documentation and evidence to support the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, cooperating fully in the investigation process and providing any additional information requested. 
Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing undue stress and financial hardship. This situation not only affects my confidence in the security of my personal information but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit file. Additionally, I request clear communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily withinthe specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX Balance : {$890.00}.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have been Battling XXXX for the past 10 years and I have recently discovered that my XXXX XXXX XXXX has been using my personal information to take out 3 credit cards in my name fraudulently without my consent 1 ) XXXX XXXX XXXXXXXX account number XXXX opened in XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX opened in XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811. 

I waited 30 days and I haven't received anything. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is doing its job according to the law. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has really become the all time worst bank in history! More returned funds have been done foolishly - and haphazardly - causing so many financial problems.and ironically, deposits- as in this case- were made within 48 hours to bring the account current! 
Bank of America lies ALL the time and pretends like they honor customer longevity but THEY DO NOT. 
They dont even allow debit card transactions to approve if the transaction is only one cent over an account balance! Ironically, they have a section that alludes to bank discretion- but it NEVER occurs. 
Not to mention, if Bank of America had any type of sophisticated financial computer system they would calculate the logistics of an individuals account management and would do much better -toward reversal on their horrible customer service reputation! 
AGAIN they have sent back my insurance premium to XXXX XXXX ( {$99.00} / XX/XX/2024 ) - causing me to lapse my insurance coverage - which Bank of America doesnt care.and a deposit was made ON THE SAME DAY to offset my balance! 
This has to stop or the CFPB, FDIC, FTC, SEC. and all other financial services must lodge a class action lawsuit against Bank of America!
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 USCS 1681. 

These are the inaccuracy to stopping me to get the ability for apply new Car Loan, applying for the credit cards or in the future to apply for a Mortgage or personal Loans, All of these Accounts has violated my Rights. 

These are my CLOSED CREDIT CARDS with Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S -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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount Capital Group, Inc. (KY)

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX consumer report on XXXX  without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ). I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally complain about the handling of my credit report disputes and the ongoing inaccuracies present in my credit file. Despite multiple attempts to correct these errors, these companies has failed to resolve the issues satisfactorily and has updated the accounts inaccurately as correct. 
Instead of correcting the inaccuracy, my credit report was updated to reflect the account as accurate, despite the evidence proving otherwise. Furthermore, there has been a lack of follow-up or communication regarding the status of my dispute. 
This ongoing issue has not only negatively impacted my credit score but has also caused significant distress and inconvenience. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair information on my credit report. The failure to correct these errors, combined with the lack of proper follow-up, is unacceptable and does not adhere to the regulations governing credit reporting agencies.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Consumer Name : XXXX XXXX XXXX Social Security Number : [ Redacted ] Consumer Date of Birth : XX/XX/XXXX Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear CFPB Representative, I am writing to formally request that TransUnion block certain fraudulent information appearing on my consumer credit report. This request is made pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent information in question includes accounts that were opened in my name without my knowledge or consent due to identity theft. 

The specific fraudulent account that I am requesting to be blocked are as follows : XXXX XXXX Credit Card Account Opened : XX/XX/XXXX Balance : {$3400.00} Account Number : XXXX XXXX XXXX This fraudulent account has resulted in inaccurate collections and entries on my FICO credit report. I do not recognize or authorize any of the above-mentioned account or transactions. I believe this entry is the result of identity theft and fraud. 

I have attached the following supporting documents to facilitate your investigation and prompt action : A copy of my consumer FICO credit report showing the fraudulent item in question. 
A copy of the FTC Identity Theft Report ( Report # XXXX ), which details the fraudulent activity and confirms that these accounts are a result of identity theft. 

In accordance with FCRA 605B, I respectfully request that TransUnion block the above-mentioned information from my credit report within 4 business days of receiving this complaint. 

Thank you for your prompt attention to this urgent matter. I look forward to your confirmation that the fraudulent accounts and collections have been blocked as requested. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the numerous attempts I have made to correct a persistently late open account with your company. Despite my continuous efforts to address this matter, the issue remains unresolved, causing significant inconvenience and dissatisfaction.

I would like to bring to your attention the following instances where I have sought to rectify the late open account : Despite these repeated efforts on my part, the late open account issue persists, and I have yet to receive a satisfactory resolution. This situation has not only caused me considerable stress but has also adversely affected my perception of your company 's commitment to customer satisfaction.

I understand that mistakes can occur, and I am willing to work together to find a solution to this matter promptly. However, the lack of responsiveness and resolution is unacceptable. I kindly request that you investigate this matter thoroughly and provide a comprehensive response outlining the steps your company will take to rectify the late open account.

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including lodging a formal complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to correct this late open account in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$74000.00}.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (MD)

I am filing this complaint against Discover Bank, represented by XXXX XXXX XXXX XXXX, related to an ongoing lawsuit for an alleged debt, which was the subject of previous CFPB complaints ( XXXX and XXXX ) in XX/XX/XXXX. These complaints addressed Discover Bank 's failure to provide necessary documentation to validate the alleged debt. 

Despite my requests for debt validation, Discover Bank, through XXXX XXXX XXXX XXXX, filed a lawsuit on XX/XX/XXXX, without my knowledge and while the debt validation request was still pending. This was before their response to CFPB complaint number XXXX on XX/XX/XXXX, which was my first indication of the lawsuit when Discover Bank mentioned it in their response.

In a court filing on XX/XX/XXXX, XXXX XXXX XXXX claimed that on XX/XX/XXXX, I evaded service, an assertion I categorically deny. This claim of evasion of service is particularly concerning as it could have led to a summary judgment against me based on false information. A copy of the documents filed by XXXX XXXX XXXX  is attached, unfortunately I have yet to receive a copy of the case information from either party and can not provide at this time. 

I am concerned about the potential violation of fair debt collection practices and request a thorough investigation into these actions by Discover Bank and XXXX XXXX XXXX XXXX. The opposition noting the evasion of service is attached.
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (FL)

Received a call from an unknown company who stated representation for Wells Fargo requesting {$10000.00}. The woman claimed that a court subpoena from Wells Fargo will arrive at my address on XX/XX/XXXX at XXXX. The women verified the right street name but the wrong street number with my correct ssn. She gave me a case number XXXX XXXX and a phone number of XXXX XXXX. I called Wells Fargos legal department to get further information who stated that no such case exists and it is a scam.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Naivent, has been calling non - stop, I told them to stop & they wont, I co - signed a loan for my son. Somehow they got my wives cell phone number now she isnt involved in the harassment & now they are calling and constantly harassing her now as well she has nothing to do with the loan. I make payments by due date but they keep calling us before the due date. Within a few days of making payments the calls start and they dont stop.Please help us this has gotten way out of control. Please Help Us
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I contacted the following credit bureaus, XXXX, and Transunion, by United States Certified Mail. I filed a dispute that while reviewing my consumer reports, I saw that inaccurate information was being reported in violation of Federal law 15 U.S. CODE 1681 e Compliance of procedures ( b ) Accuracy of report state that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report elates to. I disputed this information, I then received a response stating that the item remained unchanged from there processing of my dispute in XXXX of XXXX. On XX/XX/2023 I contacted these companies and filed another dispute requested there method of verification they claimed that the creditor that reported this account verified this inaccurate information, and as a result these companies used this as a method of verification and verified this information on my consumer report. I then requested that XXXX and Transunion follow suite like XXXX XXXX, and XXXX and delete this inaccurate information. On XX/XX/2023 I received a response from XXXX in this response they state under public records that the company that reported the information has certified to XXXX that the information is accurate. They also state that this item was not changed as a result of the processing of this dispute. I would like to state that I have received a certified letter from the UNITED STATES BANKRUPTCY COURT OFFICE OF THE CLERK SOUTHERN DISTRICT OF FLORIDA, IN THIS CERTIFIE DOCUMENT THE GOVERNMENT clearly state that the bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies... With this being said I am requesting that this inaccurate information be deleted immediately since in this case the Bankruptcy court is the creditor and they have provided me with a certified document stating that they have provided no such information. XXXX And Transunion are in violation of federal law and this account must be deleted immediately based on Federal LAW 15 U.S. CODE 1681 e Compliance of procedures ( b ) Acccuracy of Report.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Completed SAVE plan for Mohela on XX/XX/2023. 

Had my loans placed on Deferment while application was being processed. XXXX seems to still be in process. 

I have not been informed of my application being complete. I have not been informed if I qualified for XXXX XXXX. 

Received letter and email on XX/XX/2023 that I was passed due on my first payment and that an additional pay would be due XX/XX/2023. 

I was never informed that my deferment had ended from the XXXX plan application. 
I was never informed of my first loan repayment ( I received a past due letter instead ). 

I haven't received communication via phone, mail, email, or within Mohela module of such changes. I was simply informed of my past due bill and my upcoming bill. 

In the past I've had conflicting information from Mohela on my status. Mailed information has deferred from what is listed within the Mohela website account. 

Till this day I am not sure if I've been placed on the XXXX Plan. By the looks of the amount due I think I am not in the XXXX Plan. 

Having to take time off work to address this during business hours has been challenging. 

Any information of any changes from XXXX until present would be greatly appreciated. 

I fear my credit score being impacted.