davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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)

There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, my general bank account was charged {$100.00} to pay for fees on the line of credit card associated with this account without my permission or authorization. This event overdrew the bank account and caused it to accumulate bank and finance charges. 

I never authorized Well Fargo bank or anyone from their offices to draw from my general bank account to pay for the monthly fees of the line of credit card in question. 

On the same day of XX/XX/2022, I spent nearly 4 hours trying to find out who, what, when, why, where was this authorization given and the bank personnel did not know alleging that I must have done it, which I never did.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I tried to access my accounts yesterday but could not. I called USAA Bank and they stated that they had closed all ( XXXX ) of my accounts due to filing disputes and could never open another account there. They will send a check for my paycheck which should be deposited today or tomorrow in 60 days.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$970.00}.
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

XX/XX/XXXX was contacted by U.S department of education via mail, regarding student loan payments. Called and was transferred over to a company called cornerstone. Talked with an agent who set up a payment plan for XXXX XXXX monthly. Since XX/XX/XXXX, I have been charged that amount. Tried to contact the customer service number given and The number is no longer in service, went through previous documents from the place and everything seemed legit but now looking at it. It is a scam. I was contacted by student loans saying my first payment is due in XXXX but Ive been paying almost 2 years now. Im contacting to report fraud
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

I received a credit card that I didnt apply for. I called the company and told them about the issue and I was told that the account has been closed now and they will send closing paperwork and fraud information. We didnt give them any personal information and we were told to contact consumer financial protection bureau . I just want to make sure that this is reported.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A. No permissible purpose XXXX XXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent Source of information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure : XX/XX/XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-06-22
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. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX 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 2024-04-06
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account XXXX
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (MI)

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America charged fees and interest on account originally ending in XXXX then changed to ending in XXXX in XXXX the card was reported lost and closed to both Bank of America and the credit bureau in XX/XX/XXXX, additionally the company caused additional costs to be incurred, I did advise them not only was my credit card lost but I was also locked out of online banking and not recieving statements due to the compromise. Bank of America was contacted on countless occasions to refund these back to me and issue a check, Bank of America neglected to do so, I was transferred back and forth and even hung up on several times. Additionally my information on the account was changed by and associate to prevent properly verifying me by phone. Please reference card closure date in document attached.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Back in XX/XX/year> I submitted a complaint Experian about XXXX XXXX  reporting on my credit report for over seven years, see cfpb report # XXXX - XXXX it as been four months and it is still showing on my report, they have not even starting to investigate this issue because there is no dispute showing this on my credit report. They are breaking the law regarding my rights as a consumer. I am demanding that this item be remove from my file!!!!!
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NJ)

On XX/XX/24 i entered a consumer credit counseling agency called XXXX to pay off 7 credit cards and 1 loan. First payment was XX/XX/24. I paid XX/XX/24 Santander payment on my own .XXXX  sets this arrangement with creditors by a contract. On my XX/XX/24 statement, there was no change. On a letter dated XX/XX/24 from Santander they have accepted contract. On my XX/XX/24 santander statement there is a reflection showing my interest rate and loan monthly amount changed. On XXXX Santander says my account is 24 days overdue after agreeing to new proposal. I told them I would pay the XXXX asap. They said account was 24 days late.I paid them on their XXXX day that they said I wa late. I also spoke to a XXXX XXXX and he stated I would not be reported as being late. When I pulled my credit and saw I was on XX/XX/24 I called santander and told them to pull phone records from XX/XX/24 t/c to XXXX XXXX and they could not I included my XX/XX/24 statement showing you everything. They reported my account past due over 30 days. I beg of you help me I will not be able to get into XXXX  programs in my community because of this 30 day late post. I am trying my best
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b 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 2023-04-10
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. (TX)

How can you report this account as Late Open when my record shows that this account was Balance is XXXX? Please correct this account immediately. Also, you are reporting an account that is deleted from another Bureau. 
OAG CHILD SU XXXX Balance : {$0.00}
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/year> i entered a consumer credit counseling agency called XXXX to pay off 7 credit cards and 1 loan. First payment was XX/XX/year>. I paid XX/XX/year> Santander payment on my own .XXXX  XXXX this arrangement with creditors by a contract. On my XX/XX/year> statement, there was no change. On a letter dated XX/XX/year> from XXXX they have accepted contract. On my XX/XX/year> XXXX  statement there is a reflection showing my interest rate and loan monthly amount changed. On XXXX XXXX says my account is 24 days overdue after agreeing to new proposal. I told them I would pay the XXXX asap. They said account was 24 days late.I paid them on their XXXX day that they said I wa late. I also spoke to a XXXX XXXX and he stated I would not be reported as being late. When I pulled my credit and saw I was on XX/XX/year> I called XXXX and told them to pull phone records from XX/XX/year> t/c to XXXX XXXX and they could not I included my XX/XX/year> statement showing you everything. They reported my account past due over 30 days. I beg of you help me I will not be able to get into XXXX  programs in my community because of this 30 day late post. I am trying my best
Consumer complaint received 2024-04-06
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. (VA)

XXXX XXXX XXXX continues to re-report an old debt that I owe them. It was charger off in XX/XX/2020, yet, they continue to re-report the same debt. My credit score has already previously taken the hit for falling behind on the debt, as well as, it being a charged off. Now, it has taken another hit recently, due XXXX XXXX XXXX  re-reporting this same debt. I am not even sure if this is legal, however, it seems as if the company is trying to be malicious. Why keep re-reporting the same account to further negatively impact my credit score. I have been trying extremely hard to rebuild my credit for the last XXXX years. I have been making all on time payments to all open accounts for the last XXXX years. I dont dispute the balance owed to XXXX XXXX, however, I am reporting them for maliciously trying to further negatively impact my credit.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-04-06
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. (MO)

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 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

Hello, I am writing to bring to your attention an error on my credit report regarding a XXXX student loan from XXXX. This loan is not mine and appears to be a mistake. 

It first appeared on my credit report XX/XX/XXXX. 

I have attempted to contact the servicer, ECSI, but have not received any response to my emails or calls. The three credit bureaus have also been unresponsive to my requests for assistance in resolving this matter. 

While the amount in question is relatively small, it is still not mine, and I believe this is a case of fraud. I am requesting your assistance in resolving this issue and having the incorrect loan removed from my credit report. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I filed XXXX  XXXX Bankruptcy, on XX/XX/XXXX  I received discharge for all creditor. Experian is showing that I have 7 accounts all which was discharged on the bankruptcy as having balance on the accounts and pass due payments for more than 120 days.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

experian has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

On XX/XX/year>, I took my non-activated bank card to Citibank to have it activated so I can access my online acct- this was reccommended by the banker at my previous visit. The card was activted and i was advised the card would be locked unless I wanted to ise it. I advised them, I would not be using my bankcard and to lock the card which would prevent any use of the card. I took the card home and placed it in my drawer. On XX/XX/year>, I received an alert approx XXXX that {$35.00} was being withdrawn from account that I did not authorize. I immediately contacted Citibank and advised them of unauthorized use. I was advised they would block my card and file a dispute. I called Citi back on Mon and Tues for status, I was informed a dispute was filed and a new card sent out. I inquired how my card was accessed if the card was locked, i was told it wasnt locked, it was locked, they dont know. I attempted to contact the bank reps and as of today still no return call back nor an email response. I am unable to get an answer how my acct continues to get compromised and no one can seem to tell me, i only get transferred from one dept to the other with no definitive answer. I am also awaiting for the refund of a previous unauthorized withdrawal of {$2900.00} and Citi is unable to explain why they cant protect the acct. While previously visiting bank there were several complaints with other customers experiencing the same issue and Citi is not safeguarding our accounts and refuse to replace my money in my acct.