davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

Upon checking my consumer report, I have become aware that Navient has been reporting many errors, including false and misleading information this account does not meet the credit reporting Standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2024-06-07
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When is this bank going to be done XXXX  XXXX and making extra not needed stress in my life and taking uo my time with all the phone calls and repedly verify in my self in person if that but that's not the end of it I been talking to the bank ever day on Monday the third I get my statement in the mail saying my act was at a bal of XXXX I call the next day antbyhe agent asked me if I was aware that there was XXXX dallrs left in my act so I tell them that it's not one they make a mistake that my bal was XXXX and it was XXXX  my money they transferred me to a supervisor and they say it is my money I ask how they say it was from adjustment to my act well I never got any notic of it nit at all my statement sat my bal is XXXX? I ask how that was possible I find out they deposit that money into my act when it was closed and never say a word to me about it not at all I fod nit thinknit was even my money? When are they going to make everything wright and stop putting me through more and more when will this end I file I'd theft reports I contact the cusumers protecton agent'sy I wright and notarize two afadavits because they say that's how I can get them to hurry up on my claim and none of which seemed to do any good the lady calls me leaves me her number I call and a voicemail is all I can get and I sitt here waiting again in hopes this will all come to a end and when will I finally get all my money back it took three years to get back the first part and still fighting for what I'm paying taxes on and that belongs to me to start with this is all way way to much
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

all XXXX XXXX XXXX are reporting totally different balances and closing date and open dates on my credit report and all are in correct and is hurting my credit report and doesn't help with getting a loan for a XXXX time home buying, can you please delete all incorrect information i have attached docs. that was sent to all XXXX XXXX
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent in a police report by mail and fax, I have called and talked to multiple reps over the phone, and I have filed multiple reports with CFPB and FTC about unauthorized inquiries on my credit reports. I pay for a monthly monitoring service and I have placed a fraud alert on my credit reports and froze them. I have informed them that I received an email from my son 's college stating I have been involved in a Data Breach, and now I have been told my all of my info is on the Dark web! However, they are refusing to delete the inquiries! I disputed several accounts that are reporting inaccurate information and they will not provide me with proof of all the information they used for the investiagtion ( per FCRA 611 ( a ) ( 7 ), but they keep stating they have been verified as accurate! 
Below are the items that are unauthorized and/or reporting erroneously : 1. XXXX XXXX Inquiry - XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX Inquiry - XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 4. XXXX XXXX Inquiry - XX/XX/XXXX & XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 7. XXXX XXXX XXXX - Account # XXXX - Account in litigation 8. XXXX XXXX XXXX - Account # XXXX - Account in litigation 9. XXXX XXXX - Account # XXXX - Account in litigation 10. XXXX - Account # XXXX - Account in litigation 11. XXXX - Account # XXXX - Account in litigation 12. XXXX - Account # XXXX - Account in litigation 13. XXXX XXXX XXXX - Account # XXXX - Account in litigation 14. XXXX XXXX Bankruptcy Dismissed - XX/XX/XXXX - Inaccurate reporting and Bankruptcy Courts gave me proof they do not provide information or validate public records.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MA)

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$320.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per XXXX opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Last XXXX SS : 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. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account XXXX : XXXX The business is reporting erroneous information to the major credit reporting repositories. From the attached, the business is reporting the following remark : " Affected by natural disaster ''. I have never reported to the business that I have been affected by a natural disaster. The only thing the business had to assist with was locating a missing check payment of {$2100.00} that was sent on XX/XX/year>2024. 

Therefore, upon receipt of this complaint, please remove this erroneous information from all major credit reporting repositories.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TN)

I purchased the vehicle XX/XX/year> and was making payments. My XXXX went into the XXXX and this company put us under the XXXX XXXX XXXX XXXX. payments made were returned to me as I was told by XXXX XXXX that the loan was charged off and I was getting the title. This company has not contacted me in collecting a debt or any other services and I have been waiting 9 years for my title. I contacted the company today and they are attempting in getting the release of the title to the vehicle and the company is trying to collect on a debt that is over XXXX XXXX XXXX. I contacted the state of XXXX XXXXXXXX XXXX XXXX XXXX which the statue is XXXX XXXX XXXX.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NC)

The account was charged off the following date ( XXXX, XXXX ) Since then the account has been repeatedly updated as charged off every month for the year of XXXX. This is an update in the payment history. A charged off account should NOT have an active payment history. This inaccurate information falsely manipulates the statute of limitations. Also, the same account has appeared on my Equifax credit report twice with different dates.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Thursday, XXXX XX/XX/year>, I transferred {$1500.00} from one of non-USAA bank accounts into my USAA checking account.

They accepted the transfer l, but placed a hold on {$1000.00} ( a portion of the transfer ). They refused to release my money. They said they could not release my money brocade I had an overdraft on XXXX XXXX XXXX XXXX days prior to this transaction. 

Between XXXX XX/XX/year>, I made XXXX other transfers totaling {$1700.00} and none of those smaller transactions ( all took place closer to the the accidental overdraft date that was corrected within XXXX hours ) were placed on hold. 

They were clear that this was punishment for an overdraft on XXXX XX/XX/year> that was corrected on XXXX XX/XX/year>. 

They told me there was no complaint department. I could not speak with a supervisor and the only explanation I was provided with was they are allowed to place holds on any transfers and this was punitive due to an overdraft that took place 21 days earlier and was corrected within XXXX hours. Even though XXXX other transfers took place prior to this one and none of those were placed under hold. They chose to hold a portion of this transfer and allow a portion to be deposited. 

They refused to transfer the funds back to my sending account ( different bank ), told me to use my credit card ( {$190.00} available credit ) to offset the {$1000.00} they are holding and then suggested I apply for a personal loan if I need money. 

Again, they refused to allow me to speak with a supervisor and they refused to explain how I could file a formal complaint.
Consumer complaint received 2024-04-30
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. (TX)

Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution.

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open account remains unresolved, raising questions about the reliability and accuracy of your record-keeping processes.

I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this account in my credit file : XXXX/DOFED XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

To Whom It May Concern, I am writing to dispute the late payments on my credit report. These late payments are negatively affecting my credit, and I request their immediate removal.

According to the Fair Credit Reporting Act ( 15 USC 1666b ), it clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the information in section 1637b was mailed to the consumer not later than 21 days before the payment due date. Please remove the following late payment accounts listed in my credit report immediately : 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 XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Formal Dispute of Late Payments and Allegations of Extortion and Fraud - Account No : XXXX I am writing to formally dispute the late payments reported on my credit report for the above-referenced account. I believe that the reporting of these late payments is not only inaccurate but constitutes a violation of federal law, amounting to extortion and fraud. Violation of the Fair Credit Billing Act ( FCBA ) Under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b, creditors are required to send a billing statement for each billing cycle where there is an outstanding balance or a finance charge.
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-04-30
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (TX)

I opened an account recently with XXXX XXXX ( key bank ) and deposited a check for $ XXXX dollars. Immediately after the check was deposited I received an email saying that it would take 7 days for the check to be deposited. I called key bank and told them that I would place a hold on the check with my bank because I needed the funds to be available as this is my emergency fund. The representative said that she was going to notated and that I could go a head and place a hold on the check. I then transferred {$7500.00} to key bank using XXXX from my other bank account. Two days after the funds were deposited into my account KeyBank placed my account on hold for fraud review. I called key bank to ask is I need to provide documentation and they said no, called them back 3 business days later and they asked me for a bank statement from my other bank account provided that and was told that was sufficient. Called them back today and was told that I have to go in person to a branch to fill out an affidavits. I live in Texas and the closest branch to me is located in Florida. On top of it all I set up direct deposit with them and my pay check is being deposited into this account that I dont have access to. I am without my paycheck and my emergency fund. Please help me resolve this! I am without access to money and cant pay my bills. I cant afford a trip to Florida to solve this issue. I am willing to provide any documents they ask. My credit score is excellent and Ive never had issues with any other bank.
Consumer complaint received 2024-06-07
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: WELLS FARGO & COMPANY (VA)

Starting on May 8-May 11, there was fraud committed with my debit card. There were a total of XXXX transactions that added up to {$6600.00} that I did not authorized. Transactions in XXXX for {$2600.00} and {$4600.00}, appearing to be in the state of Arizona. A {$530.00} charge in a food website appearing to be in New York base. XXXX transactions of money transfer in XXXX XXXX. XXXX transactions of money transfer in XXXX. I contacted these entities of money transfer and money was sent to countries I have no relationship with ( XXXX and XXXX ). I contacted XXXX and they could not find any record of that transaction in their system. I filed a police report and working with my local law department on this case. WELLS FARGO closed my claim and said they found no errors that the transactions were authorized by me. They closed my claim without speaking to me, they do not answer to my call requests. I have been demanding to know how the investigation took place, and I have not been given any answers. I placed a complaint with the executed offices and they dont want to work with my claim nor give me a better resolution. I placed my claim on XX/XX/XXXX and have not been given any answers since and WELLS FARGO has closed my claim and do not want to give me my money back. I should not be liable for unauthorized transactions, this is clearly fraud to me. I do not understand their line of investigation. There were several transactions in XXXX that were declined by Wells Fargo, yet they did not stop the transactions, nor was I alerted on time. I received an alert until XX/XX/XXXX, which was very late, as I had been stolen since XX/XX/XXXX. There were about XXXX transactions declined in XXXX for different amounts of money, and my account wasnt blocked from being stolen. In my XXXX years banking with them, I have never purchased in these websites that I was stolen from.
Consumer complaint received 2024-08-30
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. (PA)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly correct 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