davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Earlier this year, I submitted a claim that was resolved and received a message that the credit of XXXX is now permanent on my account on XX/XX/2019. 
Claim ID : XXXX On XX/XX/2019, I had a Temporary credit Reversal to the amount of XXXX referencing that same claim. I did not receive any messages or warning that this would occur. 

I have called back to Bank of America 5 times in the last 5 business days. Each time I called, I was transferred to the claims department who told me that it was an error on their end and that they would follow up with me regarding it. However, there has still been no resolution and I have yet to receive a call back from anyone at Bank of America.
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (NC)

I have contacted Experian via phone on XX/XX/2019,XX/XX/2019,XX/XX/19,XX/XX/19 regarding inaccuracies on my credit report. I provided my FTC number regarding the identity theft that has taken place. I was advised that once I uploaded the report that the information could be removed. I spoke with a rep who refused to remove it even though the information is inaccurate and not true. I am upset that the information has not been corrected.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consolidated Recovery Group, LLC (WA)

I checked my credit report and there was a debt collection account that showed up that appeared to be a debt that was well over 7 years old. I disputed it with the credit bureaus and it came back as " verified. '' Since I never received notification from this company, I sent them a debt validation letter and dispute letter to the address listed on my credit report. 
The letter was returned un-deliverable by USPS, it says the building is vacant. So the address listed on the credit report is 100 % inaccurate. How did the credit bureaus " verify '' this account if it's not possible to get hold of them via mail? 
This company is reporting debt that is over 7 years old, their contact information is not correct on my credit report, so it's impossible for me to reach them to deal with this matter. This is not legal.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I submitted the following information to Equifax. 

Equifax XXXX XXXX XXXX , XXXX 
XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX Consumer Center in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Bankruptcy Chapter XXXX in XX/XX/XXXX and Bankruptcy Chapter XXXX in XX/XX/XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX Consumer Center and provide me with copies of any documentation associated with this account, bearing my signature. 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. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identify Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX I received notice from Equifax that the information was verified with XXXX XXXX however I have a current freeze with XXXX XXXX  which would make that not valid information. Therefore request that this be investigated and the bankruptcy be removed from my report. I have attached documentation to support.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DC)

I closed my accounts with Wells Fargo on XX/XX/XXXX. XX/XX/XXXX received a call from Wells Fargo informing me that my checking account was overdrawn. XX/XX/XXXX walked to nearest Wells Fargo Branch. The Branch Manager was busy so Bank Officer XXXX said he could help. I told him about the call I'd just received and asked if he could see what is happening because I closed my accounts on line and showed him the receipt. He said I have to do this in person. I asked XXXX to make sure my accounts are closed, since this was a Bank requirement that I did not know. He assured me he would. After over an hour and several calls XXXX said he was told that Wells Fargo had deposited other clients money into my account and they wanted me to pay it back. There is nothing more he could do and suggest I go to my Branch. I did so and met with XXXX XXXX and then with manager, XXXX XXXX, she made calls and the result was the same, I owe Wells Fargo because they mistakenly put someone else 's money into my account, and I must repay it. Unbeknownst to me, I subsequently found out that despite closing my accounts, Wells Fargo hade left them open. XX/XX/18 I received an e-mailed copy of a statement ( attached ) that showing 6 deposits made on the date XX/XX/XXXX that I closed my accounts. I have found Wells Fargo to be dishonest. There are several court cases in which Wells Fargo was charged and fined for similar offence. Wells Fargo is making me a defendant in a case I had nothing to do with. My only fault was not closing my account earlier than XX/XX/XXXX, and still they seem tobe governed by no law or Banking ethics. I need your help. n I have a court date on XX/XX/XXXX. Please help
Consumer complaint received 2019-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of Identity Theft due to a Data Breach. The fraudulent accounts have been identified in a dispute placed with the three major Creit Reporting Agencies via mail sent on XX/XX/2019. The Items I have identified and highlighted from credit reports do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681 : once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I pulled my free annual credit report and they charged off all my credit cards without a judgment. It is an on going problem. I have very low credit. I just had it pulled for XXXX XXXX in XXXX XXXX XXXX. I reported it with you web site before XX/XX/2019 to repair my credit and work with all my credit card companies. I sent it online through tweets in twitter credit report company site in XX/XX/2019. I pay a little every month until I can pay the full amount and they all may not report it to the credit agencies people. I missed out on renting at XXXX XXXX because my credit score was under XXXX.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let it be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. 

For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX ACC XXXX, Date Opened XX/XX/2016, Balance {$530.00} The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days but that not the case in my scenario. This company completely ignore and continue to report this fraudulent account. 

I am attaching herewith ; the previous dispute I sent to this company, my identity theft report from XXXX condition and my small claims form should them fail to cooperate and abide by the law.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (MN)

I filed bankruptcy on XX/XX/2018. In XXXX Discover started reporting a new account opened with a balance and 30 days late. This account was not opened by me. They never had any contact with myself or my attorney, never sent a statement and as far as I know even if they did they shouldn't due to bankruptcy protection. It's now XXXX and they are reporting an even higher balance and I now have 120 days late reporting to my credit. When I called they stated it was a charge that was posted a day after the bankruptcy filing. I can't confirm this charge since I've never seen any documentation but even if this is true. They can't fraudulently open a credit account and start billing/reporting during bankruptcy proceedings. I've asked the credit bureaus to remove this and they have not. Since Discover can not provide any proof of communication they should be removing this account and really should be communicating via my attorney. What I'm asking for is this account be removed and that they are in some way responsible for violating the laws that protect consumers from this type of behavior. If this is a true debt owed then they need to communicate via statement and give me proof of the debt along with a proper way to pay the debt. I've attached the document showing the credit bureau stating the discrepancy remains even though Discover can not provide any proof. It also shows them reporting late payments and a second account opened during bankruptcy.
Consumer complaint received 2019-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OK)

I believe the Nelnet is unfairly and possibly illegally putting borrowers in the position to have to potentially pay more on their student loans by forcing them to capitalize their interest into the loan by failing to advise on denied application for income base repayment. 

On XX/XX/2019, I submitted my annual recertification for the IBR and was confused on a particular question about access to my spouses income. I marked that I don't have access to her income because she is a XXXX   XXXX, and does not have income. This apparently required more information that they claim they emailed, called, and mailed to me and that I did not respond resulting in a denial of my IBR request. I found out today, XX/XX/2019, when I received a statement with an " incorrect '' amount. I have not received one email from Nelnet until today when the advisor I spoke to on the phone emailed me a correct application to sign and send back. I have not received anything through the mail except the monthly statements. And I have received no calls. I was informed that I could check on all this on my Nelnet account. After logging into this account, there is NO correspondece from them in any way, outside of statements. 

Now, in order to not become delinquent on my account, I am forced to file for a deferment while they process my application ( again ) which then allows them to capitalize on the interest. If they had actually contacted me anytime within the last 2 months to inform me of the issue, I could have addressed it in due time without having to require this deferment. 

This behavior is very shady. I know this could possibly seem like a roundabout scam but if they are doing this to me who else is being taken advantage.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This account was opened without my approval and authorization. I contacted XXXX XXXX/XXXX about this account being opened without my approval and authorization by XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX/XXXX is a scam and needs to be investigated because of their unfair business practices and all the dental offices that work with this company. I filed a complaint against them last year that this account didnt belong to me and I am not responsible for it. However, they are still reporting it to credit bureaus. 
I spoke with case XXXX- XXXX at the corporate office who handled my complaint to dispute services provided who advised that that I would be issued a credit in that amount and would no remove the account from my name. Last week, they reported the account as late to credit agencies. This account does not belong to me and should be removed from my credit file completely.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have 2 accounts listed on my credit from Portfolio Recovery Associates. I have disputed the account for XXXX XXXX twice. The last date that I submitted a dispute was on XX/XX/XXXX. And the second account is listed as XXXX XXXX was also disputed on XX/XX/XXXX. I sent a certified letter ( attached ) to them requesting the following : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
7. The batch number in which my account was purchased in. 

I received a response in the mail from them dated XX/XX/XXXX however, it didn't include the requested items above. I have attached the letter in which I received. According to the Fair Debt Collection Practices Act, a debt collection agency must stop collecting the debt until they provide validation of the debt. I received a call from the lawyers representing ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates on XX/XX/XXXX, since they didn't provide validation requested this is a violation. I have attached a screenshot of the missed call. 

There is 3 different amounts that are being shown under the XXXX XXXX  account. On the letter ( attached ) that was sent to me in their correspondence shows that the account balance is {$1400.00}, on the other letter ( attached ) it states the alleged account balance at the time of sale was {$1400.00}, and on my credit report the account balance is shown as {$1400.00}. On the correspondence ( attached ) for regarding XXXX XXXX, the amount shows {$420.00}, however the amount listed on my credit is {$420.00}. 
These inconsistencies shows that this debt isn't valid.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm complaining against Equifax. 
My credit score there is about 80 points below XXXX and XXXX. 
When I called to see what's wrong I was told to check the credit report and let them know what I need to change / dispute. 
I ran the 3 reports through creditreports.gov and the other 2 Bureaus had the same info. on that was on the XXXX  report. I called them again to ask what's the reason for the huge score difference? 
I got reasons that are not making any sense to me : 1- We have our own way of calculation.

2- Our system looks at data differently.

3- Last I got was - tell your lenders to not look at XXXX and use the other Bureaus. 

I'm a victim of an unfair credit reporting. Those guys are hurting my credit score with their " Own Way of Reporting '' There  should be unified measures in place to make sure all credit Bureaus are using the same procedures, measures and calculations to treat all people under this nation fairly. If they are playing with people 's credit scores in their own way this needs to stop.
Consumer complaint received 2019-05-21
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: Trident Asset Management, L.L.C. (FL)

Trident Asset management is fraudulently reporting a debt on my credit reports that does not belong to me. I have contacted the company directly via certified registered mail. They continue to report the account is mine. The name on the account is not my name. I have never used that name. The address on the account is in a city I have never lived. I have furnished correct information to the company and they continue to violate the FCRA with inaccurate reporting. I am XXXX years old. Trident Asset Management has exhibited elder exploitation in their blatant refusal to correct erroneous credit reporting. I have only one name and one address. Removal the fraudulent information is the only acceptable resolution.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Equifax has my date of birth incorrect. When I spoke to Customer Service i was told to mail a copy of my DL, SS card and a utility bill to XXXX XXXX XXXX XXXX GA XXXX. Which I did in XX/XX/2022. When I checked back the issue still was not resolved. I called, verified the address and resent in XX/XX/2022. The issue is still not resolved. When I ask why I never received a letter stating there is an issue or requesting more information I just get the run around. When I speak to a supervisor all they say is to mail it again. I didn't feel comfortable doing it the first time. Now even more so I don't want to mail my personal information. Especially when I know the company has no regard for the safeguard of my personal information. Please help! This company needs to be held accountable.
Consumer complaint received 2019-05-22
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. (NC)

I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.