davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My debit card dispute claims were ignored for almost two months, then filed on my behalf with the help of a Bank of America resolution specialist for the WRONG REASON. 

My claim letter explicitly states that I am disputing charges with XXXX " because the services or goods I purchased were never delivered to me. '' I uploaded a copy of this claim letter to my original CFPB complaint ( CFPB COMPLAINT ID : XXXX ) After CFPB complaint XXXX I spoke with a resolution specialist assigned to me named XXXX XXXX, and she confirmed that she had the letter and would file the charges on my behalf. Yet, she filed the charges as " fraud '' and therefore the merchant provided basic account information and states that my deposits and withdrawals are " practically balanced '' and wants the charges dismissed. Bank of America ruled in favor of the merchant and denied all of my claims on XX/XX/year>. 

I can not defend myself against this because I never said these charges were fraudulent in the first place. They clearly were disputed under the reasoning that I didn't receive the services I paid for. Furthermore, the merchant 's evidence does not demonstrate without reasonable doubt that they provided the services. 

It is beyond infuriating that I have had to wait three months for a resolution to my claims only to find they were not submitted fairly or accurately. 

I will once again attach the original dispute letter to this complaint. I will also attach my original CFPB complaint regarding this issue which references my original dispute letter that clearly states I am disputing for services/goods not received and contains a copy of my XXXX complaint which states the same thing. I will also provide the tracking number which shows the original letter was delivered to Bank of America on XX/XX/year>.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Loqbox US Inc (TX)

Ive ask these companies to show proof that that accounts reporting on credit report belongs to me which they don not these accounts was open in my name without knowledge also there are 2 accounts with self reporting on credit which dont belongs to me.
Consumer complaint received 2023-04-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

Im writing to you today because I have tried everything in my power to get my home equity loan straightened out with Wells Fargo bank. my home equity loan ballooned this past XXXX and with things being the way they are in the country right now payments went from about {$450.00} in interest to {$2100.00}. in interest plus principal. I explain to Wells Fargo on many occasions that my business has not come back yet since the pandemic and I am unable to afford the {$2100.00} temporary loan modification payment each month. I started making payments of {$1400.00} a month which is the temporary loan modification minus the property taxes and insurance. I pay taxes and insurance directly. This wipes out all my social security check plus more. 
There is much more to this story. I was put in a forbearance durning the pandemic which I caught up with, but they mismanaged the account and never took me out of forbearance even though I was paying! Many conversations with them, one person tells me to do something and another says to do something else! What a mess! 
I am XXXX XXXX XXXX and trying my best to keep the home my dad and I built many years ago. I XXXX XXXX XXXX company which suffered terribly during the pandemic and still hasnt come back yet. Im trying my best to work with them and although they have offered me other options each option they have offered, cost me {$2100.00}. As I explain to them on many occasions I dont have this much money to give them each month. Ive spoken with many people there and have had many problems along the way. The harder I try to work with them, the harder they work against me, although they said they are helping, they are not. Now theyre sending me letters of foreclosure even though I am paying them something each month. But that payment that are putting towards past interest, so its like Im not paying anything! If I dont pay the back interest of {$12000.00} by XX/XX/2023 they will foreclose on my home! 
I explain to them that I own another property with my cousin, a house on the beach which we are negotiating to sell. When I get my half of the money I plan on paying off this loan. I did explain that to them but they are not willing to wait and just let me pay some thing in the meantime. 
You are my last resort! 
I need to get this straightened out, I can make the payment of {$1400.00} and pay my own taxes and insurance, but they wont let me! 
Please help Thank you
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-19
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (MD)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act US DEPT ED XXXX XXXX XXXX XXXX XXXX  US DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (MD)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act US DEPT ED XXXX Balance Owed : {$7900.00} US DEPT ED XXXX Balance Owed : {$7900.00}.
Consumer complaint received 2024-03-05
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. (NV)

I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

On or around XXXX I submitted my application with my extension of credit to Goldman Sachs for an Apple credit card. I endorsed the application and provided my security as collateral. I was denied credit by Goldman Sachs and Apple without valuable consideration. 

Official interpretation of 2 ( c ) Adverse action.

( 1 ) The term means : ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered;
Consumer complaint received 2024-05-16
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. (FL)

I have been going over my credit report in the past few months. I have sent the credit agencies multiple requests to remove information they are reporting in violation of the Gramm LEach Baily Act AND The privacy act. I did not give these companies permission to share ANY of this nonpublic private information to any third parties. Their unauthorized reporting of this information has caused me a tremendous amount of stress
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have been going over my credit report in the past few months. I have sent the credit agencies multiple requests to remove information they are reporting in violation of the Gramm LEach Baily Act AND The privacy act. I did not give these companies permission to share ANY of this nonpublic private information to any third parties. Their unauthorized reporting of this information has caused me a tremendous amount of stress
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

After formally complaining to Mohela ( 6month now ) that their billing and accounting was incorrect they have finally acknowledged the correct billing amount. In a letter dated XXXX XXXX XXXX Mohela Acknowledged that my repayment plan is the SAVE plan. The letter also acknowledges that my payment amount is {$90.00}. 

I have been under this plan for months now and you may refer to my previous Consumer Financial Protection Bureau complains which requested that Mohela come up to speed and align with the Federal Student Loan SAVE plan so they would bill correctly, at the amount of {$90.00}.

So the Letter is finally a step in the right direction. The Problem is that they are also still sending the erroneous bill. In fact 14 days after acknowledging the correct {$90.00} billing they sent out a bill due XX/XX/year> for {$1200.00}. This billing is not under the SAVE plan nor the Income Driven Repayment plan. 

I would hope that after 6 Months these errors would be corrected.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Since XX/XX/XXXX, Navy Federal has charged me XXXX overdraft fees ( that's XXXX per month ) totaling over XXXX USD. I have tried tirelessly to request them to lower my interest rate on my checking line of credit ( they don't ) so that I can catch up on payments. 

Navy Federal once again does not take into account people going through issues with their income, and will continue to punish consumers by way of fees. XXXX per fee at XXXX a month is absolutely ridiculous. If they didn't charge for every fee ( a cap? ) or reduced my interest rate on my checking line of credit to get a little breathing room, we wouldnt have this problem. 

Again, it appears that they have gotten too big for themselves.
Consumer complaint received 2023-08-26
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. (FL)

XXXX XXXX In XX/XX/XXXX, he submitted this account to a dispute both with the company directly and with the credit agencies, where I have received the same response on multiple occasions from the credit agency but I sent them the information corresponding to the complaint that this account the expenses and payments were not made by me. 

This credit card had a limit of {$1100.00} and it appears in my report and in the account a credit card with a debt of {$6400.00} and closed and with multiple months of late payments significantly affecting my credit report. 

I have tried in a thousand ways to solve this problem with them and the answer is the same. I tried it through this means and it will be my last attempt before taking this to legal instances where I will be forced to file a legal claim since they are in breach of my rights. according to the FCRA, where it establishes that the information must be 100 % accurate, verified and verified. 

As you can see in the attached files, the information is not exact or verified, since at this moment I have an open case with the XXXX company which the case number is XXXX, where I clearly explain that this card was used and paid without my authorization where the records may show that I did not make any payment to that card and less for those amounts, and that if I had a card for {$1100.00} how I owe you {$6400.00} this is a complete fraud that they carried out on me and I demand that be legally verified and don't keep giving me the same answers. 

In the same way, I asked the company to send me the following information in my report that is inaccurate and incomplete and I did not get a response, they only told me that the information is correct and verified and as you can see there is nothing correct or verified when the information requested It is not reflected in the report. so the response I received from this company regarding my previous dispute seems to me to be a total breach of the laws set forth by the FCRA. 

1 ) The account History shows incomplete information in the same way that I don't understand why it keeps reflecting that this account is in CO when it should be deleted for being a fraudulent account. 

2 ) The payment History guide shows information from XX/XX/XXXX and does not show me information before that date in order to check when the scams were carried out on my card. 

3 ) The History balance, is shown from XX/XX/XXXX, where it already shows a debit balance of {$2800.00}, when the card had a credit limit of {$1100.00} as you can see in the report, before that date I did not It shows no information for me to be able to verify when they made those expenses, and especially how the card could make those expenses for those amounts, if it did not have the limit to do so.
Consumer complaint received 2020-05-11
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. (VI)

Good Morning, This is a already resolved problem with the credit Bureau Experian that occurred several years ago. I am filing it with you because it was so abusive and inexplicable that I want you to have a record of the incident. I had applied for a small loan ( $ XXXX ) from XXXX  XXXX XXXX for a repair on a rental property I own. Was denied based on bad report from Experian although the other two credit bureau showed excellent credit. Experian showed several judgments and unpaid debts by another person. I assumed identity theft but this was not the cause. Experian, the credit bureau themselves, had " merged '' my report with another person. We did not have the same name, Social Security number, ever have had the same address or lived in the same part of the country, are not the same age, have the same birth date and are not related in any way yet it took six weeks of providing more and more documentation to Experian to resolve the problem that had occurred totally at their company. Resolution should have taken one phone call yet resulted in being denied a loan. I also want to point out that I never married so my name has never changed, had lived at the same address for 15 years in the XXXX. I did live in the same state ( Virginia ) as the other person 15 years before but no where near each other. I always lived in XXXX VA, She lived six hours away in XXXX VA. Always wanted an explanation for being denied this loan. One possibility is I was " red lined '' by XXXX XXXX XXXX because I live in a predominantly minority community. Another possibility is it's a scam by Experian to collect bad debts. A knowledgeable person suggested this, claimed a person desperate for a loan will foolishly be conned into paying off debts they don't owe believing it will clean up their credit report. Fortunately I was able to pay for the repairs out of my savings but would have liked to pay it off over 3-5 years and deduct the interest as a business expense. Sure would like an explanation from Experian.
Consumer complaint received 2023-09-19
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. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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