davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I was part of the data breach with XXXX and my information was compromised and do not recall these files please delete off my credit report I have submitted a complaint to the ftc as well. 


Attached is information off the ftc website
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I sent a letter last XX/XX/XXXX, to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again EXPERIAN BUSINESS CRED XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company went on a Class action Lawsuit for Charging unconscionably high interest rates ( APR ) on its loans, and ending money to consumers without a California lender 's license. 

Please have remove this account from my credit report because its hurting my credit worthiness.
Consumer complaint received 2018-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

On or about XX/XX/XXXX I submitted a complaint to XXXX XXXX to prompt an investigation for identity theft. In XXXX and XX/XX/XXXX loan disbursements were made to XXXX XXXX University ( XXXXU ) in my name. I graduated XXXXU in XX/XX/XXXX and did not return to school to obtain my XXXX until XX/XX/XXXX at XXXX College. When I spoke to the registrar at XXXXU I was informed that classes were registered online through my XXXX ( school ) account for the year the disbursement was made. I never registered for any classes. 

During the investigation the loans that I did take out were placed in an administrative forbearance. On or about XX/XX/XXXX I received a letter from XXXX XXXX XXXX informing me that the investigation was closed and I needed to submit more information such as a judgement/verdict made in court. I filed a police report and submitted all paperwork required for my complaint. I can not provide a court verdict if I do not know who received/requested these loans in my name. After receiving this information, I inquired about receiving a more detailed explanation as to what was actually done during the investigation and why it was closed. I was told that I should be receiving further documentation in the mail. I waited three to four weeks and I never received this information. 

I called XXXX XXXX again to inform the customer service representative that I never received the requested information although it showed documents were sent to me. I was also informed that the reason the investigation was closed was because signed documents and promissory notes were found matching the signatures of the documents I sent in with my fraud packet. If this is in fact the reason my investigation was closed I refute this as valid reasoning. In my written statement, I mentioned that promissory notes, once signed, cover a couple of years which is why it is not required for students to sign promissory notes for each year. Therefore, I only have two promissory notes and not four for each school year during my time at XXXXU. 

I submitted a request for information requesting again a detailed explanation to why the investigation was closed and the documents the rep referred to that were signed by me. Here it is XX/XX/XXXX and I still have not received anything.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 2023-07-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I have had an unsecured long of {$500.00} to be used if I am overdrawn. I have had this account for at least XXXX years. About XXXX years back I received a message from Wells Fargo that I would no longer have that overdraft protection. Then the bank reinstated the unsecured loan and charged me {$25.00}. I made an appointment with a banker. He gave me a number he said would reach a department for overdraft protection. I called the number and after a great deal of difficulty I reached an agent. She said the line of credit had not actually been terminated. I asked for my {$25.00} back and she said if I received the {$25.00} I would never be eligible for an unsecured line of credit with Wells Fargo.
Consumer complaint received 2023-05-10
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived. 
Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Per my credit report with Capital One it shows a balance on a closed charge off account also it states that my last payment was XXXX and XXXX and that is incorrect. My last payment was made in XXXX so XXXX, since this information is not reporting accurately reporting across all three credit agencies, I request to have this information removed from my credit report immediately
Consumer complaint received 2023-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Someone changed my information ( phone number, address ) on my Capital One credit card account. This has been happing several times from XXXX XXXX XXXX XXXX XX/XX/2023. I contacted Capital One but it keep repeating. I eventually closed the account on XXXX XXXX. On XX/XX/2023 I received alert the through email that someone has applied a Capital One credit card under my name
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Concord Servicing Corporation (NC)

This 3rd party company keeps reporting and accessing private information. I do not authorize them to report anything about me to any of the credit bureaus. 

I have emailed and called them. I sent emails on XX/XX/23 and XX/XX/23. 

I hope this letter finds you well. I am writing to formally request to opt out of receiving monthly reports as per the provisions outlined in the Graham-Leach-Bliley Act ( GLBA ). 

My account information is as follows : Account Number # XXXX I understand that under the GLBA, consumers have the right to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. In accordance with this regulation, I hereby exercise my right to opt out. 

Please ensure that my decision to opt out is promptly processed, and that my nonpublic personal information is not shared with any non-affiliated third parties for marketing or other purposes. I appreciate your attention to this matter and kindly request written confirmation of my opt-out status. 

Furthermore, I must emphasize that I take the protection of my financial reputation very seriously. Any attempt to harm my financial reputation by disclosing my nonpublic personal information without my consent will be viewed as a breach of the law and a violation of my rights. I want to make it clear that I am prepared to take legal action to protect my rights and financial reputation if necessary. 

In addition to opting out of sharing my information with non-affiliated third parties, I also request that my information not be shared with any credit reporting bureaus. I want to ensure that my credit report remains unaffected by any disclosure of my financial information.
Consumer complaint received 2023-08-11
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. (NJ)

Under the Fair Credit Reporting Act XXXX Account, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, have 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 : A consumer reporting agency can not furnish an account without my written instructions. These two XXXX XXXX accounts are showing late payments That are hurting my credit scores
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Subject : Reconsideration Request Regarding Credit Card Closure Dear Bank of America, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of concern regarding the recent closure of my credit card account with the account number XXXX XXXX XXXX XXXX. 

I am bringing to your attention that the Equal Credit Opportunity Act ( ECOA ) prohibits discrimination in the extension of credit. I believe that the closure of my credit card account and the denial of access to my credit may be perceived as discriminatory.

I kindly request that you reconsider your decision in this matter, taking into account the principles outlined in the ECOA. I value my relationship with Bank of America and believe that resolving this situation amicably would be in the best interest of both parties.

Please review my account information with the details provided below : Account Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX I hope for a prompt and positive resolution to this matter. Your reconsideration would not only be a courtesy to me but also a demonstration of your commitment to fair and equitable credit practices.

Thank you for your attention to this issue, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (OH)

I have spoken to three different people at Aidvantage. I was told that I qualified for a payment of {$89.00} a month. So when I went to pay it was over {$400.00} that I owed. So I called and then they told me it would be {$120.00} and now it says I owe almost {$280.00}! Please help I can not afford to pay that much and I have made that clear and was told that I would be good to go with the {$89.00} payment and it has been back and forth since XXXX. I don't want to get behind on payments but need them to get it together so I can move on from this. They say do everything online but there website matches nothing that the people on the phone are saying.
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (KY)

Westlake Portfolio Management keeps trying to reach out to me to try pay and have also tried to get me to settle when I never signed a contract with or to pay them. My contract was signed with American Car Center that filed for bankruptcy in XX/XX/XXXX which then made my contract null and void. I sent Westlake Portfolio a debt validation letter by certified mail and did not receive a response. Yet I did get a call on Thursday XX/XX/XXXX by someone that identified themselves a XXXX and was calling on behalf of XXXX and told me that I would be being served. They've also tried to mark the debt as charged off when I do not owe them.
Consumer complaint received 2024-04-16
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)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$500.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for a cash reward credit card from Bank of America with the help of their staff XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX MA XXXX ) in XXXX, XXXX. When I applied this card, the staff told me I can get {$200.00} cash rewards bonus after making at least {$500.00} in purchases in the first 90 days of account opening. One of my friend who recommended this card to me also told me I can get the cash rewards. And that's the reason why I applied for this card. 

However, after three months and I have spent more than XXXX dollars by this card, I still didn't get the cash rewards. And today I went to the bank counter to ask why I didn't get it, they admitted that I didn't make any mistakes and they don't know what happened and said they will help me to call the head office to applied the cash rewards for me. But when I got back home, I received their email said I can not get the cash rewards because the offer only for online applications. 

This reason is totally unacceptable because : First, there are a lot of advertisements which says sentences like " apply credit card now and get XXXX dollars, just talk with our staff '', some of them are even in XXXX. Second, my friends who applied this card earlier or in the same time with me with the help of other staffs in XXXX XXXX Bank of America have all got the cash rewards, they can be proofs to me. Third, when I applied this card, no one told me I should applied it online. And actually, I have confirmed to staffs in Bank of America for 5 times from XXXX to XXXX to make sure whether I can get the cash rewards, and each time I got the answer is " Yes, no problem, just wait, be patient! ". The reason why I confirmed so many times is that I found all my friends whether they applied this card earlier or later than me, and even spent less money by this card than me, they all got the cash rewards except me. But until today they told me I can not get the cash rewards because of a ridiculous reason. 

All in all, I think Bank of America should be responsible for what happened to me and must compensate me for the loss ( 200 cash rewards ). What they did is totally commercial fraud and is terribly unfair to me. I am deeply disappointed by what they have done.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

On XX/XX/2023, my Bank asked me to unlock the freeze so they can access to my credit check to finish my line of credit renewal. I unlocked online but they weren't able to access still and Equifax told my back that I need to call to resolve the matter. So I called on XX/XX/2023. The representative XXXX assured that she unlocked on her end and there shouldn't be any problems now. But was not able to tell me why she had to do that this year as every year when I was able to unlock on my end from my online account. My bank tried again and wans ; t still working and Equifax told my bank I need to call again. On XX/XX/2023, I called again and this time XXXX asked that I need to send a copy of my social security card and current driver 's license via XXXX and also I have to call back to confirm they got it. He sent it via email and I sent the documents shortly and got an email confirmation that they received it. I called to confirm and put on hold over 30 minutes and got disconnected. as my back still don't have access, my bank and I did a conference call to resolve the issue on XX/XX/2023 at XXXX XXXX. the supervisor XXXX stated it is their policy I have to call back " the office of Consumer Affairs '' again to discuss and assured that she is leaving a not to on my file so it will be resolved then. Otherwise, there is nothing she can do and there is no one above her to resolve this. So I called back and " XXXX '' told me they don't have the documents that I sent on XX/XX/2023 and I need to resend them. Told her I have an confirmation email that you received them and I feel very unsafe now where the sensitive documents are and since she doesn't know I don't want to send again. She said there is no other way around! Each time I call it takes over 10 minutes to get to someone and each time no one seems to have an answer to the issue. Asked to speak to the manager so we can solve the issue but " supervisor '' XXXX said there is no one else except her, who can't help the issue other then I call back the same number and go through the process again. even though she promised this matter should be resolved when I call back, it didn't. where do I go from here? that is why I am contacting you for a help! so my bank can access to my credit to renew my line of credit, which I need urgently to run a business.Please help!
Consumer complaint received 2018-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delmarva Collections, Inc. (MD)

Delmarva Collections , Inc. agency started reporting false information on my credit report in XX/XX/2018. At that time, I spoke with the original creditor, XXXX XXXX XXXX and it was removed. In XXXX, Delmarva Collections , Inc. started reporting the same incorrect information. After many hours on the phone with XXXX XXXX and XXXX XXXX I was told they were finally able to resolve the billing error on XXXX XXXX XXXX part and that it would be removed immediately back in XXXX. I just pulled my credit report again today, XX/XX/XXXX, and Delmarva Collections , Inc. is still reporting that I owe the debt. I have documentation that was sent to me by XXXX XXXX XXXX as well as XXXX XXXX and XXXX XXXX that shows that the account has a {$0.00} balance because the insurance paid the balance in full. See the attached documents for more information.
Consumer complaint received 2024-04-16
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)

XXXXXXXX XXXX XXXXXXXX I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted. I never applied or opened this account