davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX XXXX Case Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting XXXXXXXX XXXX XXXXXXXX Account Number : **** Please remove it from my credit report. 
3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a Bank of America Travel Credit Card upon the recommendation of a bank employee, specifically for its benefits related to travel and foreign transactions, as the bank employee learned that I was moving to XXXX. The card functioned without issue in XXXX until XX/XX/XXXX, when my attempt to purchase furniture in-store was declined, and my card was suddenly restricted. I received no prior communication via text or email alerting me to any issues ; the first notification I received was a mobile app alert instructing me to contact the bank, after the restriction was already in place. 

This unexpected restriction not only hindered my ability to make necessary purchases for supplies and transportation but also caused significant stress and inconvenience. Upon contacting Bank of America, I was transferred multiple times and received inadequate explanations and support. Ultimately, a customer care manager informed me that the restriction was due to my failure to respond to email alert ( according to him, Bank of America sends out email alerts asking card-holders to confirm whether they authorized the transactions at issue, and my failure to do so caused the restriction on my card ). However, the only email was sent minutes after the restriction was already applied, and it did not ask me to confirm anything ; it just asked me to call Bank of America immediately or my card will be restricted -- when it was in fact already restricted. Moreover, regardless of when the email was sent or whether the email was sent at all, I explained that it is unreasonable to expect customers to check emails all the time when alternative means of communications are available, and Bank of America did not give customers adequate amount of time to respond. However, the male manager insisted that he himself checks his emails " all the time '' and it was my fault for failing to do so.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX - {$XXXX} - exp XXXX XXXX XXXX {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX  XXXX - {$XXXX} - all3 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX se

ction 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-29
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. (CA)

I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be lowered because it looks like a recent collection on an account that I just opened
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Credit inquieries that I did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I HAVE THE FOLLOWING INQUIRES ON MY CREDIT REPORT TRANS UNION REFUSES TO EVEN LOOK AT AND DIRECT ME THE COMPANY. I HAVE SENT LETTERS TO THESE COMPANIES WHO WONT EVEN RESPOND. I CALLED TRANS UNION AND THEY SAY NOTHING THEY CAN DO. I HAVE NO KNOWLEGE OF ALL THESE INQUIRES. I HAVE NOT REQUESTED CREDIT FROM THEM. NOR DO I  HAVE AN OPEN/CLOSED ACCOUNT WITH THEM FOR THE HARD INQUIRY, I HAVE ASKED THEM TO SEND ME PROOF OF THESE INQUIRES FOR MY FILES AND THEY WONT RESPOND TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Account Control Technology, Inc. (TX)

On XX/XX/XXXX Account Control Technology Inc. responded to the complaint I filed on XX/XX/XXXX. In the original complaint I had 2 issues I asked the CFPB to oversee. 

Failure to contact BEFORE Wage garnishment. 
Failure to Validate debt. 

In the response to this complaint through the CFPB, Account Control Technology has admitted that they never any provided ANY written notification to collect a debt for the U.S. Department of Education to the debtor before administering a Wage Garnishment. 

Additionally in the same response Account Control Technology INC provided promissory note applications with loan amounts of {$0.00} for ALL XXXX loan applications through XXXX XXXX. Therefore they have agreed that they are falsely claiming a debt is owed and collecting through an illegal means. 

Again, as I have stated before all Direct Loans are NOT DISPUTED and have been paid in full through an Administrative Wage Garnishment in XX/XX/XXXX-XX/XX/XXXX.  I am attaching to this document " End of Year '' payroll statements that prove ALL Direct Loans have been paid. 

Account Control Technology MUST return this account to the U.S. Department of Education as " uncollectible ''. 

For my own protection please note that : 1. This is a disputed debt. 
2. The debt has not been validated. 
3. Account Control Technology is levying an Administrative Wage Garnishment without validation. 
4. I will be contacting my employer immediately to find out if the Administrative Wage Garnishment was ever suspended. 
5. The Department of Education ; XXXX, XXXX, have been notified and HAVE ALSO failed to respond. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (ME)

I got an email in XX/XX/XXXX stating that I made a charge to a XXXX company. I never used the card for that charge, it was fraudulent {$73.00}, there were no other charges because I never used the card. I called Citicard customer service, and they agreed that the charge was a fraud, I said I wanted to cancel the card. I had been with them since XXXX but rarely used the card anymore. Instead of simply cancelling my account I was kept on the phone, transferred from and to many different reps for close to if not over an hour. I was getting on-going stalling about ending my account which actually had a {$20.00} credit. I said I didn't care about the credit. The reps said they could not cancel my account but finally did so well after an hour. This call I made was XX/XX/XXXX in the evening. For the past several weeks XXXX  XXXX, I have been getting robo-calls from Citicard saying I owed {$40.00}. I ignored them knowing I did not owe and I cancelled my card XX/XX/XXXX. Today I got an email saying I owed a minimum of {$20.00} on a {$40.00} balance. I called citicard XXXX today XX/XX/XXXX and again they would not resolve the issue after being passed on to 5 different reps within the 2 calls with no resolution. The final # I called that the rep gave me was their collection department! It was another runaround. I got very frustrated as they passed me around from rep to rep. I said my account was cancelled and I did not make any charges and I do not owe any money to citicard. They just kept feeding me that I owed {$40.00}. I asked what the charged was for, as I didn't use the cancelled card and their answer was convoluted about the previous fraud charges.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: New Southern Loans, Inc (NC)

XXXX XXXX XXXX and new southern loans are showing the incorrect balance and incorrect number of past due payments on my accounts through XXXX. I am sure I am caught up by now on both accounts but they show like XXXX or more payments past due when that is not true.
Consumer complaint received 2024-09-17
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Fay Servicing, LLC (NC)

We realized XXXX weeks ago that we had no homeowners insurance that was supposed to be paid to XXXX XXXX from fay serving out of our escrow account. These people have had no interest in speaking to us. Our roof needed repair from the XXXX  winds. We went to file a claim and found out we lost our insurance due to non payment of funds in XX/XX/2023! What XXXX  XXXX is wrong with these people. I still dont even know where are house payments are to be made feel like this company owes us money ans a written description of how the plan to communicate with us
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

On XX/XX/2018, XXXX XXXX XXXX, at my direction, submitted a payment of XXXX via Bill Pay to Di Tech financial to pay of my mortgage loan number XXXX for my home at XXXX XXXX XXXX. in XXXX, CA ( XXXX ). I spoke with XXXX XXXX ( XXXX x XXXX ) and XXXX XXXX, Member Service Center Assistant Manager of XXXX XXXX XXXX ( XXXX ) faxed proof of payment and cashed check to Ms. XXXX at XXXX, Ms XXXX has not responded with follow up, nor has she replied to two subsequent follow up voice mail messages. The missing {$100.00} has still not been applied to my account.
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MN)

When I received my XX/XX/2018 statement, I noticed a charge from XXXX XXXX XXXX XXXX had been posted to my account on XX/XX/XXXX. I did travel on XXXX XXXX in XX/XX/XXXX, but not in XX/XX/XXXX, and I definitely did not authorize any charges for {$1400.00}. I reported this to Citibank, and that account number was closed.

As a result of my report, representatives from XXXX XXXX contacted me. They explained that this charge was for an online flight upgrade on my flight in XX/XX/XXXX. They explained that I had authorized an upgrade in the amount of XXXX XXXX Rupees. Unfortunately, this amount was not properly converted this to US dollars. Instead of XXXX Rupees, I was charged XXXX dollars. They were unable to explain why the charge was posted in XX/XX/XXXX, rather than XX/XX/XXXX. They said that I should check with Citibank.
Consumer complaint received 2018-10-01
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: AFNI INC. (FL)

On or about XX/XX/2018 I received my annual credit report from XXXX XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from AFNI ( ACCT XXXX ) in the amount {$270.00}, for a XXXX Account I never had. 

On or about XX/XX/2018 I drafted a letter to XXXX XXXX directing the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of AFNI. Said letter was send via facsimile to XXXX XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). On or about XX/XX/2018 I received a completed dispute notice from XXXX XXXX in which they removed most of the disputed items, however AFNI remained, claiming it was verified. On that same date, I also contacted AFNI and demanded any contractual documentation from the original creditor and anything with my signature, or the assignment contract from the alleged original creditor to AFNI giving them authority. AFNI has never responded, because the information regarding myself does not exist. 

On XX/XX/2018, I drafted a second dispute letter to XXXX XXXX directing them to remove the AFNI account as it is not mine and any verification of same would be fraudulent. XXXX XXXX again did not remove the AFNI account. 

OnXX/XX/XXXXI faxed to XXXX XXXX a Request For Method Of Verification pursuant to FCRA 611 ( a ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for the AFNI account ( copy attached and fax confirmation attached ) to which they have fifteen days to respond under the statute. As of XX/XX/2018, XXXX XXXX has not responded in any fashion therefore on that basis alone the account must be removed. 

It is not my responsibility to do what is deemed XXXX XXXX 's responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX XXXX would have to do is demand from AFNI any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can not give them any supporting documentation as there is none to give. 

Because I have disputed his claim 3 times with XXXX XXXX as well as the collection agency, and because I have received nothing by way of supporting documentation from either, the AFNI account must be removed from my credit file.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

They emailed me saying we have decided to close your account, we no longer want to do business with you they also provided a date of closure they extended it three time until they finally decided to mail me out a check and the check they mailed didnt have the right amount of funds, I had {$4300.00} for my ending balance and they only mailed out a check with the balance of {$1000.00} dollars which was not my ending balance I called them multiple times ask for an explanation of why they didnt send me my actual balance they could they transfered me from department to department and no has a clue.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX 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 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Rec, d notice of change in credit report.was advised to call XXXX After explaining to foreign accent agent and repeating info etc was told to call XXXX which was not real person or ability to talk to one.The choices offered did not seem to meet my needs.Waiting for other options, was cut off. 
Called original number back and asked to talk to supervisor whose first language is English.Initially was strongly resisted but eventually put on hold. 


The Equifax people have damage me, causing me great angst, repeatedly wastes my time and gives no satisfaction.
Consumer complaint received 2024-08-23
Product: Credit 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: SYNCHRONY FINANCIAL (WV)

XX/XX/XXXX I have noticed my wallet was missing. I filed it with XXXX airport authority department as soon as I've noticed. See screenshots attached with this complaint. 

XX/XX/XXXX I have reported my card was stolen/lost at XXXX airport . I have filed with Venmo as soon as we have landed. Because of the area I was not allowed to make calls on my regular phone calls. 

ALL Charges starting on XX/XX/XXXX listed below are fraudulent charges and should've been flagged as fraud. I have reports attached for review. It was reported to the appropriate departments at XXXX airport, XXXX, Florida. Charges below are not made by me or anyone I know. I have lost my physical card and do not have access to it. Any charges incurred under this card after the date of are on the virtual card and they were recurring subscription charges from the previous card number. 

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$75.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$87.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} Total {$3300.00} In the statement PDF those charges in questions are also highlighted incase you need a reference.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"