davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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. (MO)

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

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Inadequate loan payment due date notification. The notice was sent out on XX/XX/2023, for a loan payment expected by XX/XX/2023. The only notice received was the following : In XXXX, I received information about my PSLF certification, and then the bill information on XX/XX/2023. 

I emailed them and tried calling on XX/XX/2023, but was unable to get a hold of them due to a high call volume. I just received a notice today that they are still waiting to answer my request. This is unacceptable. They should be as responsive as they expect you to make your payment.
Consumer complaint received 2024-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I Have Hard Inquiries On My Credit Report From XXXX XXXX, XXXX XXXX XXXX XXXX, Bank Of America, XXXX XXXX, And XXXX XXXX. I Have No Acknowledgement Of These Inquiries.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX : # XXXX account # : XXXX Experian account # XXXX XXXX account XXXX XXXX I have requested that the information on the reports be updated, however they refuse. Under 15 USC 1666B - This is a billing error, account always paid as agreed and on time. This is an error and account is violation. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
Consumer complaint received 2024-04-14
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. (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 2024-01-03
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (GA)

I received a loan through XXXX XXXX XXXX when I purchased a vehicle from XXXX. The loan is predatory and I was not aware. I have been paying on this car for almost 6 years and it was totaled on XX/XX/2023. The original cost of the car was {$15000.00}. I have paid around {$27000.00} and when my insurance company got the pay off quote they were told {$15000.00} is still owed and when I called them they said it was due to late payments. This company was supposed to factor COVID-19 into this and did not disclose how Intrest is accrued. They have not sent my original loan agreement to justify this. Theyve threaten to take the vehicle multiple times and took it one time while I was in between jobs because it was 70 days late.
Consumer complaint received 2022-11-24
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. (CA)

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a martinet for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the fraudulent accounts from my file! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX  XXXX Balanced {$2700.00} XXXX XXXX Balanced {$3100.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} Public Information XXXX XXXX Bankruptcy US BKPT CT GA XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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/XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Request for Correction of Credit Report Information Dear Experian, I am writing to bring to your attention several discrepancies in my credit report. 

XXXX XXXX has been removed from my credit report many years ago. There seems to be a duplicate report for XXXX XXXX and XXXX. 

Additionally, DEPT OF ED/XXXX has inaccurate information regarding account details and balances. 

Specifically, concerning XXXXXXXX XXXX XXXX and XXXX XXXX  accounts, they have already been removed due to either the statute of limitations or the inability to validate the accounts. 

Moreover, XXXX XXXX has exceeded the statute of limitations and failed to provide validation for the debt. XXXXXXXX XXXX has also surpassed the statute of limitations and should be promptly deleted from my credit report, as verified with the Attorney General of Ohio. 

Furthermore, the XXXX XXXX bankruptcy listed on my account contains inaccurate information that requires correction or verification. 

Your prompt assistance in addressing these matters is greatly appreciated. 

Sincerely, XXXX XXXX formally known as XXXX XXXX
Consumer complaint received 2024-01-03
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 (TX)

Since I started banking with Bank of America, the fraud department seems to not care about the customers complaints. There were multiple telephone numbers listed on my checking account, I asked them to remove all phone numbers but mine. My number is the only number " greyed out '' meaning they are unable to authenticate me. Ive had multiple fraudulent activities on my checking accounts, where transactions are digital. I told them that someone in the XXXX has all my credentials. This has been ongoing for more them three years, it started at XXXX XXXX. They did nothing knowing there was fraud on my account. Bank of America seems too not take fraud seriously, it only appears that way when calling the fraud Department. Ive had to close numerous accounts which I was told top do by Bank of America staff due to fraud. They would close one account and make me open a new account not really investigating the cause and who was doing the fraud to me. I lost a lot of money due to fraud. The fraud department does an internal investigation, but being someone has all my credentials and are pretending to be me, the fraud department overlooks this and blames it on me and reversing credits given due to me reporting fraud. It went as far as me contacting the Fraud Department at Bank of America corporate, this gentleman, XXXX in fraud himself said he isn't able to speak with me because he is unable to authenticate me. I asked him to contact me using a different office phone or cell phone, he refused. He had me contact my cell provider XXXX to give me a new XXXX card for my cell phone, I did what he asked and the bank still couldn't authenticate me. This is a Bank of America issue not my issue or XXXX which the guy XXXX working on my case thinks its everyone else 's issue but not his or the banks issue. 
He is very rude, not customer friendly and being he's in Fraud he should know better that if someone has access to all my credentials that the fraud is unlikely to be me. 
They never go above and beyond.
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service (VA)

Dear Consumer Financial Protection Bureau, I write this letter to formally file a complaint and to draw your attention to a matter of utmost concern. It relates to an ongoing dispute with the Army & Air Force Exchange Service and its Privacy and Identity Protection Division. They have neglected to validate, acknowledge, or address My consumer complaint and billing dispute, resulting in a prolonged and unnecessary conflict. 

As a consumer, I believe I have been unfairly treated and violated My rights. It is critical that your agencies, with the mandate to protect consumers and ensure fair practices, investigate this matter under your cognizance and jurisdiction and take the appropriate action. 

In the event of any formal action taken regarding this matter, I kindly request to be informed of the outcome. It is My respectful appeal that federal and state authorities and investigative agencies prioritize this matter to ensure due consideration is given to this complaint 's independence, completeness, timeliness, and accountability. 
In compliance with the Freedom of Information Act ( 5 U.S.C. 522 ) and the Code of Virginia ( 2.2-3700 et seq. ), I, XXXX XXXX, or a representative acting on My behalf, formally request federal, state, and local government agencies to disclose all records relevant to Me about this matter, inclusive of any attachments. I consent to My identity being disclosed as the party seeking this information. 

This consent grants federal, state, and local government agencies, financial regulators, and law enforcement authorities the power to disclose My identity for suitable referrals as necessary. I reserve the right to submit additional evidence as this complaint progresses or if otherwise required. 

This request is not intended to constitute a waiver of any claims, rights, remedies, or defenses under the jurisdiction of any tribunal of the United States or the United States of America. 

Thank you for your attention. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX Indiana state, All Rights Reserved without Prejudice
Consumer complaint received 2024-04-14
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. (NC)

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


Account Name : DPT EDXXXX Account Number : XXXX and list of Inquiries. 

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 2024-01-03
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-08-01
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I write to express my extreme frustration and disbelief at the continued reporting of inaccurate information on my credit report. This issue pertains to the following account : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$23000.00}. XXXX and XXXX have taken the responsible and legally mandated action by removing this account from their records after acknowledging the error. Despite their compliance with my requests, your bureau persists in reporting inaccurate, erroneous, and unverifiable information. I have attached supporting documents, including a police report filed with XXXX XXXX Police Department under report # XXXX XXXX and XXXX, along with an FTC report bearing report # XXXX. These documents serve as irrefutable proof of the inaccuracies and the fraudulent nature of this account. My confusion deepens as to why your bureau continues to ignore my pleas and neglects to comply with the law. The Fair Credit Reporting Act ( FCRA ) clearly mandates the removal of inaccuracies, especially when they are substantiated with evidence.
Consumer complaint received 2024-01-03
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7400.00} ; XXXX XX/XX/. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

Lender : Citizens Bank, N.A. 
Mortgage type : VA ; purchase via mortgage transfer House closed : XXXX XX/XX/year> Notification ( phone ) : XXXX XXXX XX/XX/year> - The mortgage had not been transferred to the new owners. New owner was advised they would received payment instruction via mail to pay XXXX mortgage despite not being the actual current holders of the debt. 

Notification ( phone ) : XXXX XXXX XX/XX/year> - Voicemail states the mortgage transfer is still not complete ( nor has the new owner received any information via mail ). The Citizens Bank employee has made a calendar notification to reach out on XXXX XXXX but that no late charge will be applied because there is a XXXX grace period ( XXXX XXXX ). At that point expect to hear that the mortgage has been transferred or Citizens Bank will put a " stop '' on the payment.

Summary : I currently own a home to which someone else owns the debt. I received the title for this home 24 days prior to first month 's mortgage due date. Citizens Bank has failed to transfer the mortgage to my name prior to this date and is now using my payment grace period for them to process their own paperwork.