davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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)

From a collection agency called XXXX XXXX XXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and Experian again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.
Consumer complaint received 2022-08-02
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)

From a collection agency called XXXX XXXX  XXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and Experian again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.
Consumer complaint received 2022-08-02
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. (CA)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Monday XX/XX/2022 I mailed a 609 letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (CA)

Monday XX/XX/2022 I mailed a 609 letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed
Consumer complaint received 2022-08-02
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. (CA)

Monday XX/XX/2022 I mailed a XXXX letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed claims on several fraudulent withdrawals from my checking account in XXXX but BOA refused to honor one of the claims, and the reason being my ID was used for the withdrawals, although I informed them that I was physically in TX the whole time while all fraudulent withdrawals were teller cash withdrawals from several BOA branches located in New York : - First withdrawal, {$500.00} on XX/XX/XXXX from XXXX XXXX Banking Center NY ; - Second withdrawal, {$14000.00} on XX/XX/XXXX from XXXX XXXX Banking Center NY ; - Third withdrawal, {$9000.00} on XX/XX/XXXX from XXXX Banking Center NY ; BOA credited back my claim for the first fraudulent withdrawal of {$500.00}, but rejected the other one involving much larger amount ( total {$23000.00} ).
Consumer complaint received 2022-08-02
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. (FL)

Dated on XX/XX/2022, CFPB Complaint ID XXXX Equifax Information XXXX XXXX stated XXXXXXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. And now on this XXXX Day of XX/XX/2022, I, XXXX XXXX, Federally Protected Consumer, is now demanding Equifax Information Services to provide documentary evidence of how EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. pursuant to Federal Law title 15 U.S. Code 1681e ( b ) Equifax Information Services LLC are required to follow reasonable procedures to assure maximum possible accuracy of the information. 
If Equifax Information Services LLC willfully and knowingly fails to comply with and provide such information in accordance to 15 U.S. Code 1681e ( b ), Equifax Information Services LLC will be fined {$1000.00} ( PER DAY of furnishing XXXX XXXX XXXX  ) for damages as a result of such failure according to 15 U.S. Code 1681o ( a ) ( 1 ) Equifax Information Services LLC will be held accountable for DEFAMATION OF CHARACTER as it is evident XXXX XXXX XXXX  is causing substantial harm to I, XXXX XXXX, financial reputation and Equifax Information Services LLC will be sued for any failure and damages with prejudice.
Consumer complaint received 2024-10-29
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. (MA)

To whom it may concern, I am writing to dispute the accuracy of certain items on my credit report, as reported by [ XXXX XXXX XXXX This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically highlighting violations of : 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy - It is my right to have my credit information treated confidentially and disclosed only for permissible purposes. The accounts below have been reported without my written authorization, violating my federally protected privacy rights. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Permissible Purpose and Written Consent - This section mandates that consumer reports may only be furnished with the consumers written instructions. I did not provide written consent for these accounts to be reported, making the reporting unauthorized. 

15 U.S.C. 1681c ( a ) ( 5 ) : Adverse Items Reporting Limit - This section states that adverse information can not be reported if it predates the 7-year limit. If any of the reported information exceeds this timeframe, it must be removed. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - This section requires that furnishers of credit information only report accurate information. If there is any discrepancy in the reporting of these accounts, it constitutes a violation. 

The items I am disputing are : XXXX  XXXX XXXX XXXX Account # XXXX- Listed as a charge-off. 
XXXX  XXXX XXXX XXXX Account # XXXX- Listed as a charge-off. 
XXXX XXXX XXXX - Account # XXXX - Listed as a collection. 
I request a thorough investigation of these accounts to verify their accuracy and ensure compliance with FCRA requirements. If the investigation determines that these items were reported without permissible purpose or written consent, I ask that they be permanently removed from my credit report. 

Please confirm receipt of this dispute and notify me of the investigation results within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2022, I had received a text alert appearing to be from the Wells Fargo app asking if I had made a transfer of {$3500.00} using the XXXX feature via the Wells Fargo app. I replied " NO '' to the text alert and immediately received a phone call displaying the phone number of the Wells Fargo customer service line as featured on the back of my debit card. I spoke with an individual claiming to be a Wells Fargo customer service representative returning a courtesy call regarding the text alert. I informed them that I did not use the XXXX feature, I did not know the individual whose name the funds were sent to, nor did I even have the funds to cover such a transaction. I was then walked through the steps to " reverse '' the transfer and put the money back into my account. He then gave me a claim number and a waiting period that they would contact me. After ending this call and waiting for the supposed call-back for about an hour, I decided to call Wells Fargo customer service and check on the status of the claim and make sure my account was safe. This is then when I found out I was scammed. I was never aware that it was possible for an outside individual to pose as my bank even down to the phone number that shows up and the text alerts, this is what lead me to believe this was a legitimate phone call and ultimately into being scammed. When I called Wells Fargo customer service myself, a claim was filed, and all these details were relayed to them. I was told to give up to 10 business days for this issue to be worked on. I then received a letter on XX/XX/2022, stating the claim investigation was complete and was closed. The funds were never returned to my account. I contacted Wells Fargo immediately and was eventually told that I would not be getting my money back because I was " a victim of scam and authorized the transaction, and they do not cover it ''. I did not have the {$3500.00} amount that was attempted to be taken from me, so only {$1000.00} was taken. That is still not acceptable to me. I feel the bank DOES OWE me my funds. I was not aware that I was being scammed, so how can this be my fault and I lose money that I worked for and was trying to save back. It is not fair treatment of their customers. All they have done in this whole stressful process is make me feel dismissed and XXXX
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Latest communication : XXXX ( alleged manager ) XX/XX/XXXX Confirmation # XXXX Citizens Bank XXXX XXXX XXXX, XXXX, RI XXXX I have been paying on an auto loan since XX/XX/XXXX. Payment is due the XXXX of the month. I receive a pension on the XXXX and pay via the bank website because mailing takes too long. Because the XXXX does not fall on the same day I do not use autopay. My payments are within the 10-day grace period. The bank will not adjust the due date past the XXXX. 
Suddenly this past XX/XX/XXXX my account could not be found and the XXXX payment " was removed from your account '' according to a letter from XXXX XXXX, senior v. p. president, head of Loan and Specialty Operations. ( one of two such letters is attached ). 

On XX/XX/XXXX I made a live call to customer support to make good on the XXXX payment. One digit on my checking account of record was missing. Why? This was allegedly fixed. The account was allegedly on target. 
A second no account found and removed payment letter arrived. Another live call XX/XX/XXXX logged the usual end of month logged the XXXX payment. The account number was correct. 
The XX/XX/XXXX payment was reversed and a fee added. Then on XX/XX/XXXX an automated payment came out of my bank account. I have no automatic payment set up. 
XXXX, the manager referenced above told me on a recorded line that obviously my payments have been being made. She apologized. She said she would request the fee structure ( now setr at {$190.00}!! ) be erased but she didn't have the authority. She said all I owe now is the regular XXXX payment plus one other. She said she removed the automatic payment.

I have heard nothing since. I have been working on my credit rating for more than two years following an extreme life threatening XXXX XXXX and financial reversals. I am XXXX XXXX XXXX. My credit rating took a XXXX point hit because of Citizens mysterious inability to keep an account number stable. Despite acceptance to credit offers last year I was quickly refused a XXXX loan to pay off this nearly 4 year-old car loan. Totally unacceptable and unforgiveable.
Consumer complaint received 2022-08-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

I attended a XXXX XXXX XXXX university from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. My dad was the breadwinner of my family, and he took out loans as my cosigner from Sallie Mae. I was the first child to go to college. 
1. He used the " loan amount calculator '' that their platform provided, which was supposed to generate a recommended loan amount based off of my specific university that I entered in, and then he used that number to then take out my loans. The calculator was absolute XXXX, and the number it provided us was {$7000.00} MORE than what tuition at my university costs. 
2. My dad then died, very unexpectedly and tragically, in the middle of my college career on XX/XX/2020. I sent Sallie Mae his death certificate, and spent literally TWO HOURS on the phone, during my work day, to try and reach a live person somewhere to help me figure out what my next steps were, only to learn that SALLIE MAE EXPECTS SOMEONE WHO COULD ONLY TAKE OUT A LOAN WITH A COSIGNER, TO COMPLETELY REPAY, IN FULL, ON A NORMAL TIME SCHEDULE, THE TOTAL AMOUNT ALONE IF THEIR COSIGNER DIES. Although I can not take out a {$5000.00} loan in my name, at XXXX XXXX XXXX I am expected to pay back over {$50000.00} in loans with no protocol, no exceptions, and no forgiveness. Not only have I had to endure the horrendous loss of the most important person in my life, but now I am fighting for my own life as well against a company that is nameless, faceless, and an absolute scam. It is predatory, it is abusive, and at the end of the day, I am at a loss as to how they are still legally allowed to operate in the US. I will not rest until I, and other college students around the country, are given justice.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (WA)

On July 17, while on vacation I went in to shop at a XXXX XXXX in XXXX XXXX, XXXX. It was a good shopping experience. I had no complaints. However, I was set up to apply for a card I did not want. I was under the impression I was applying for a rewards membership for a discount. At the end the cashier told me I had to take this up with the bank to cancel the application. Upon attempt to contact Comenity Bank, I had no luck speaking to an actual person. Come this week, when I was checking in on my scores on XXXX XXXX, I came to realize there is a hard inquiry on my report. This matters to me as I have been working to improve my scores. I again attempted to speak to a rep at Comenity Bank and after an hour wait, they said they couldn't help me. I would not agree to purchase a credit card for a store that is not located where I live. I'm not sure what can be done at this point, but I do not appreciate a hard inquiry on my credit report.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I did a balance transfer with my bank of America account of a payment of XXXX in XXXX. I contacted XXXX XXXX to see if it went through. XXXX XXXX representative told me that they do not do balance transfers and I would need to cancel it because it will not go through. then called to double check with another representative via phone call and was still told to cancel it. So I then Called BOA and canceled that balance transfer. On XX/XX/XXXX, XXXX XXXX applied that XXXX " payment '' to my balance. So I called BOA instantly and asked them to charge me for that payment because I did not want to get into any trouble for fraud. Two days later, they took that payment from me and ever since XX/XX/2022, Ive been back and forth with Both banks trying to get the resolved. Bank of America sent proof of a cashed check that was cashed by XXXX XXXX. Bank of America has done several searches and found no proof of payment sent or returned to them. XXXX XXXX keeps ending my dispute saying they are not at fault. I have checked with Bank of America and I keep getting that Bank of America is at fault. I just want the XXXX applied to my card. I just disputed with XXXX XXXX and they are saying that Bank of America is the issue and needs to refund me.
Consumer complaint received 2022-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

A letter of validation ( copy attached ) was mailed to Wells Fargo Dealer Services and was as delivered at XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX, UT ( certified mail receipt attached ). As of XX/XX/2022 there has been no response of validation. XXXX in violation 12 CFR 1006.34 Notice for validation of debt. The direct violation of this regulation puts consumers at risk and hinders my progress of financial stability and therefore this item should be erased from all credit bureaus its reporting too.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-10-23
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)

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.