davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am filing this complaint again just to make sure that when I update my XXXX credit reports next time these items will already be removed. I repeat, I am a victim of identity theft, and these items were not created or authorized by me. I am requesting that this information be reviewed for completeness, accuracy, and appropriateness in compliance with the FCRA. Instead of sending the information, please ensure that a thorough investigation is carried out, and this items will be DELETED. I would appreciate a prompt response indicating the activities that will be taken to fix this situation. If I do not receive a response, I shall be forced to utilize my legal rights and take legal action : XXXX : XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX & XXXX XXXX XXXX XXXX : {$360.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX, GA, undefined XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$330.00}
Consumer complaint received 2024-04-26
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2023, I lodged a fraud claim with Bank of America prepaid cardholder services. Over the preceding year, I diligently furnished them with multiple documents substantiating my fraud allegations, including a police report, an identity theft report, detailed incident statements, and personal identification verifying my identity. Despite this, Bank of America summarily dismissed all three of my claims, failing to fulfill their legal obligation under Regulation E to conduct a thorough investigation. I have also, opened a fraud appeal with the CA Unemployment Department. I currently do not have a hearing date but I will attach the documentation.

In contravention of the Electronic Funds Transfer Act and Regulation E, Bank of America neglected to provide me with documentation delineating their investigative efforts, instead repeatedly furnishing me solely with a transaction history of the card, which is immaterial as I neither authorized nor engaged in those transactions. This pattern of behavior suggests a failure on the part of Bank of America prepaid cardholder services to fulfill their legal mandate to investigate fraud claims diligently. 

As a victim of identity theft, I have been subject to further distress due to the inadequacies of Bank of America prepaid cardholder services over the past twelve months. Despite multiple complaints lodged with the Consumer Financial Protection Bureau ( CFPB ), no remedial action has been taken. I implore the CFPB to hold Bank of America prepaid cardholder services accountable for their egregious mishandling of my case. The legitimacy of my claims, identified by the following reference numbers : XXXX, XXXX, XXXX, warrants due consideration and approval.
Consumer complaint received 2024-04-29
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)

I recently reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-06-18
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (OH)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that Ive made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All being investigated by the FTC.
Consumer complaint received 2023-04-30
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)

I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights This is a defamation to my character
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I had an extended fraud alert on my credit report with all three bureaus. I was able to successfully remove from tranunion online and equifax via phone. I had to submit a bunch of supplemental documentation for XXXX but they eventually removed it from their report as well. A few days after the removal, XXXX initated and placed another extended fraud alert on my credit report. This prompted the other two bureaus to readd the fraud alert onto my credit report. I went through the same process again and removed all three. A few days later, another fraud alert was initiated on all three reports without my consent or any documentation requesting it be added on my behalf. Frustrated, I called XXXX  who informed me that they were able to see that XXXX  was the bureau that reinitated the fraud alert. The XXXX representative provided me with the confirmation code that XXXX provided to them when they initiated the fraud alert ( XXXX ). XXXX keeps initiating fraud alerts on my credit report AFTER Ive submitted requests and have the fraud alert removed from my credit report. They initiate the extended fraud alert without my consent and without me submitting additional documentation to them. I can not get and keep the fraud alerts removed d/t XXXX reinstating XXXX them.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Consumer Financial Protection Bureau, my is XXXX XXXX and Im contacting you guys about a complaint I would like to make against Capital One Credit Card. On XX/XX/2022 I paid {$5000.00} to XXXX XXXX XXXX XXXX XXXX to train me on how to drive commercial vehicles and was supposed to be complete when I received my CDL. Before I could complete the program the school had closed down. I made many attempts to contact the school via emails, voicemails, phone calls and even went to the yard where we trained but no one was there and I was unsuccessful because no one was responding to my messages. So after I saw I was being ripped off I contacted Capital One and informed them on what was going on. Capital One made attempts to reach the merchants and was also unsuccessful. Then Capital One gave me the run around by removing the charges from my account and then putting the charges back on my account stating that I should contact the merchant myself knowing that the merchant is longer in business. Capital One also lied to me by saying they contacted the merchant and when I asked how they told me They have their own way of contacting merchants, but in reality they didnt talk to anyone. What Capital One did was call a third party called XXXX XXXX which is an automated number responsible for giving receipts on transactions made but are not the merchants that charged me. Capital One sent me a letter saying that they will not remove the charge and for me to contact the merchant and my response to them was How can I contact the merchant if they went out of business and no one is available to talk to and Capital One couldn't answer that question. Will you please help me resolve this issue. My email is XXXX. Also the I showed Capital One that the school XXXX XXXX XXXX XXXX was being investigated by the Bureau for XXXX XXXX XXXX, but Capital One didn't care. Thank you and enjoy your day.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

Spoke to customer service three or four times since XXXX charge. Last communication was a few weeks ago. Customer service informed me that in a week to 10 days a credit for the charge would be applied as per her manager. Since then no credit had been received. These bills were from XXXX XXXX XXXX as follows XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX In XXXX when TD credit card bill arrived they were contacted about the error. I then called XXXX & XXXX they weren't aware of any charges. When TB Bank was informed was told belling would be corrected. After numerous attemps credit not applied. TD Bank account ending in XXXX. 
Thank you XXXX XXXX
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CO)

XX/XX/XXXX, a outdoor vendor fair was operating I was several people who were victimized by this particular company, XXXX XXXX Their phone number is XXXX Name is XXXX I did not give her my personal info, how she got it I dont know, but shes victimized others that same day & some have received resolutionXXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Colorado XXXX that sponsored this particular vendor, told me they ripped off others & they have gotten reimbursed. Ive have filed a police report, I have spoken to XXXX XXXX to assist because I am a member, I have phone, texted & emailed the vendor several times Ive been in continuing conversations with my credit card company Citi bank If you have any advice to add it would be appreciated Thank you XXXX XXXX
Consumer complaint received 2024-04-29
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)

XXXX XXXX Account XXXX XXXX - This charge-off account shows a {$380.00} balance. The balance should not be reported after it was a charge-off. Also, the dates last activity is shown differently on the report ; XXXX shows XX/XX/XXXX, XXXX claims it was XX/XX/XXXX, while Equifax shows XX/XX/XXXX. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Consumer complaint received 2024-11-14
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. (OK)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CarMax, Inc. (KS)

On XX/XX/2022 purchased car with retail installment contract. {$47000.00} value. Non Disclosure was violated because of securitization of contract. Unfair and deceptive practices and possible securities violations. Carmax Auto Finance is the company violating.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX consumer credit report sent to me via mail.
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

I contacted Mohela to address this issue on XX/XX/XXXX, and Mohela refused to adjust the interest accrued on my student loans account during extended periods of administrative forbearance placed on my account due to their processing delays. 

The first administrative forbearance was from XX/XX/XXXX to XX/XX/XXXX, and Mohela informed me of it on XX/XX/XXXX. Based on the news, this administrative forbearance is due to the backlog that Mohela experienced while student loans first started going into repayment again. My account didnt have any student loan bill due in the meantime, and I was not given any student loan billing statement until XX/XX/XXXX. The student loan billing statement I received showed that I had an amount due on XX/XX/XXXX. After seeing this, I applied for the SAVE plan on XX/XX/XXXX, which was approved on XX/XX/XXXX, with a scheduled begin date of XX/XX/XXXX. However, Mohela sent notification to me on XX/XX/XXXX to inform me that it put me on an administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. 
Due to the processing delays by Mohela, I was placed on administrative forbearance from XX/XX/XXXX to XX/XX/XXXX, and my account ended up accruing interest in the amount of approximately {$6900.00}. I contacted Mohela and was informed it would not adjust the interest due to the type of forbearance I was on. 

Based on the information provided by the education department below, I believe Mohela should be held accountable, and the interest accrued during the administrative forbearance periods should be adjusted to {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

I am composing this missive to formally contest the appearance of an antiquated and erroneously reported account that has surfaced on my credit dossier. This matter carries profound implications as it directly implicates infringements upon consumer protection statutes, chief among them being the Fair Credit Reporting Act ( FCRA ), and may necessitate the commencement of further legal recourse.

Upon meticulous scrutiny, I have discerned the presence of an installment account denoted as Mohela/Dept of ED Loan , allegedly amounting to {$2000.00}, which egregiously misrepresents my prevailing financial standing. This discrepancy pervades the entirety of my credit dossier, encompassing inaccuracies in Account Numbers and the covert obfuscation of salient account particulars. I possess ample evidentiary documentation to buttress my assertion, thus necessitating expeditious rectification. I stand prepared with legal counsel to initiate judicial proceedings forthwith.

**Disputed Account Information : ** - **Account Name : ** Mohela/Dept of ED Loan - **Amount : ** {$2000.00} Furthermore, the purported last day of activity on said account fails to align with the factual date of my last remittance, thus manifesting a patent distortion of my credit chronicle. These incongruities have been diligently cataloged across all credit bureaus and shall constitute compelling testimony as I undertake corrective measures to ameliorate the inaccuracies pervasive within my credit dossier.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

I hereby submit this formal correspondence to contest the presence of an outdated and inaccurately reported account within my credit profile. This matter carries profound implications, as it directly implicates violations of consumer protection statutes, particularly the Fair Credit Reporting Act ( FCRA ), potentially warranting further legal action. 

Upon meticulous examination, I have identified an installment account labeled as Mohela/Dept of ED Loan , purportedly amounting to {$4500.00}, which significantly misrepresents my current financial standing. This discrepancy permeates my entire credit history, encompassing inaccuracies in Account Numbers and the deliberate concealment of vital account details. I possess substantial documentary evidence to substantiate my assertion, necessitating swift rectification. I am prepared, with legal representation, to proceed expeditiously with legal proceedings. 

**Disputed Account Information : ** - **Account Name : ** Mohela/Dept of ED Loan - **Amount : ** {$4500.00} Furthermore, the reported last activity date on this account does not align with the actual date of my last payment, resulting in a distortion of my credit record. These inconsistencies have been meticulously documented across all credit reporting agencies and will serve as compelling evidence as I undertake corrective measures to rectify the inaccuracies within my credit profile.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I lived at the address XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and terminated my lease early due to military transfer. I attempted to use XXXX XXXX 's online portal to terminate my service in XXXX of XXXX which i assume failed as my service was not terminated until XXXX of XXXX. I called multiple times to try and explain to XXXX XXXX that i had not been living on the premises i was being charged for since the end of XXXX to which they responded that the only way I would be relieved of the {$550.00} charge to my account that occured after I left was to contact the property manager and get them to call XXXX and claim the charges that occured after i left the property. I attempted to do that and the property confirmed it to me however they said i needed to speak with the manager who never returned my multiple calls and emails. This account ( acct XXXX XXXX ) shows up on my credit report as being reported to collections even though the company and property failed to communicate and help me to resolve the charges that are not mine and that occured after i was no longer living at the property.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-11-13
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. (NJ)

remove all negative items immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (IN)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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.