davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I've been back and forth with Bank of America to get off CRA XXXX XXXX. I am a XXXX XXXX veteran and showed BOA the proof of being so and why I made the mistakes that caused my account to go negative. That account is now paid off I will upload to you the proof I sent to them which they did not consider. ( although they lied and said they " may have '' considered it ) They sent me a letter saying the bank will keep their choice to keep me on CRA. I just got off the phone with XXXX XXXX XXXX as I am working with them. No referrals, please. I don't owe Bank of America a XXXX. It was a small mistake that was fixed when I had a debt with them which is now ALL PAID OFF. This is bullying and extortion.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

yes i had 3 accounts opened in my name with bank of america. I first found out about it in XXXX XXXX XXXX  and contacted them and they put me with the fraud department with them and when i first called it was to do with only 1 account that i was aware about at the time. well come to find out when i contacted them again in XXXX XXXX XXXX i had 3 accounts opened then and started out with 1. i received 3 case numbers for all 3 accounts and yet nothing has been done to resolve them or to get them off XXXX XXXX or my credit either. as far as amounts they would not tell me so i dont know about amounts. but i would like to get this handled cause i had a credit card opened in my name last year as well and people trying to use my social and my business EIN to get credit and everything else which is making it harder on me now for the business to get anything now at all.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2018-10-18
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. ()

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX  N/A XXXX  : XXXX, XXXX Transunion:XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX  XXXX  : XXXX  Transunion : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX  Transunion : XXXX XXXX XXXX : XXXX XXXX   : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX.
Consumer complaint received 2020-05-11
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$660.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX {$3600.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$360.00}
Consumer complaint received 2018-05-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Hi! 

I applied for a new apartment building in XXXX, MD. They told me my application was denied due to something in XX/XX/2013. I ran a credit report that stated I have no " No fraud indicator on file XXXX Records Found '' However, this is the message I received from the landlord. I would like to be provided with additional information from XX/XX/2013 on what is showing on my account? I have never been denied in my life? 

-XXXX Hello XXXX , I am sorry that it has taken me so ling to get back with you. I have been working on the outcome of your application. 
Everything was good except the credit Reports. It has something on it from XX/XX/2013, I don't know if you can reach out to the Credit Company Equifax XXXX to get this removed off your report. 
Please let me know your thoughts on this and let me know what you would like to do. 
I am sorry that I have to request that you try to get this taken off your report so that we can re-run your credit report. 

Sincerely, XXXX
Consumer complaint received 2024-04-08
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 sent Equifax on XXXX XXXX 2024 a dispute regarding a collection account that is being reported erroneously never heard back anything. in XXXX i sent a request of the method of verification used in regards on how the procedure was conducted as afforded by Law to me as a consumer. On XX/XX/2024 Equifax updated the consumer report as verified. Yet I am still waiting on the method of verification used in connection with an investigation and any re investigation that never took place in the first place. Equifax is acting above the law and clearly disregards any request under Federal Law, Equifax ran afoul of the FCRA by not following the law as its intended to be.. 

I DEMAND YOU FOLLOW THE THE LAW ACCORDING TO FCRA FAIR CREDIT REPORTING ACT This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( XX/XX/2024 ). 


To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative item, as originally requested.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
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: Experian Information Solutions Inc. (CA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Hello in XX/XX/XXXX at around XXXX XXXX, I stopped and used the drive through atm with US Bank at their branch location on XXXX XXXX here in XXXX, CA to deposit {$30.00} for an upcoming bill. The machine malfunctioned and kept my {$30.00} without depositing it. The receipt that printed says an error has occurred and it was not able to deposit the items or return them. 

I called the customer service number when I got to work and was told they could not contact the branch and it could take up to 10 business days for a credit and up to 45 days to resolve this. I called the branch on my break and after 7 times, someone finally answered. I explained what happened, asked them to balance the atm and I was told no. That I have to call their customer service number. I called again today XX/XX/XXXX and still no provisional credit. 

I have been in banking for 12 years and when I was a teller on the front line, when a depositor had an issue with the atm like this, we took care of it that day. As a depositor I put my faith in this financial institution to handle a deposit without issue. I trust that if I deposit money to pay a bill, that money will be available to me. Absurd to tell a depositor they have to wait 10 business days for a provisional credit. Creditors dont take excuses for payment. They are playing a dangerous game with peoples money that you need to be aware of.
Consumer complaint received 2023-04-19
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. (FL)

I am interested in disputing all inaccurate information on my credit report with transunion. checking the data filed alot of information is invalid an hurting my credit report. please delete all information submitted in the files to delete an correct all the errors.
Consumer complaint received 2023-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc. (NY)

I submitted a dispute against XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; was told that once I did so the vendor had 14 days to respond. I was also told to wait An additional 7 days before inquiring the decision. a total of 21 days ; I called and spoke with XXXX and she tried to reach the dispute dpt but to no avail. I also called the disputes Dept right after ; No one answered but I left a very detailed message. Waited till Friday ( 48hrs later ) never got a return call; left another msg. Called again today Tuesday XX/XX/XXXX. It's been nearly 30 days and I have no update. No one answers the phone or returns messages. I have be given no correspondence. This is greatly affecting my credit score and life.
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: S.B.S. Trust Deed Network (CA)

On XX/XX/2023 I had tried to get into my account to pay for my Hoa dues for XXXX XXXX XXXX XXXX XXXX and was not able to. I reached out to them and asked why. I was told that it was frozen due to payments owed. Previously I had spoken to my hoa company XXXX XXXX XXXX XXXX XXXX and told them about my situuation due to covid restrictions dealing with employment and a divorce and previously before that, they stated that they would work with me. XXXX XXXX XXXX had given my account over to Sbs lien company and was demanding that I pay the full amount. I was trying to do a payment plan but it was to high so I was trying to work things out with the homeowners association and sbs lien company ( XXXX XXXX ). On XX/XX/XXXX XXXX I gave ( wired transfered ) XXXX which they received and on XX/XX/2023 I sent an additional XXXX which totals XXXX which is the full amount due with everything included. I asked Sbs lien company for their ledgers of the total amount due before and this was the total amount due. Now that I have paid everything sbs lien company says I owe more. They have been tacking on fees and other things. Please help. 

SIncerely, XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to dispute an entry on my credit report pertaining to a credit card account that has been both paid off and closed for over a year. The account in question is with XXXX XXXX, and I request your immediate attention to rectify this matter. 

The credit card account was successfully paid off and officially closed XX/XX/2022. I have diligently met all my financial obligations, and the account in question should no longer be reflected on my credit report. I have enclosed proof of payment and the closure confirmation from XXXX XXXX for your reference. 

Despite the closure and payment, I recently discovered that the account is still appearing on my credit report, negatively impacting my credit score. This is not only inaccurate but also unjust, given that I fulfilled all obligations and closed the account as per the terms agreed upon. 

I kindly urge you to conduct a swift and thorough investigation into this matter, ensuring the accurate reflection of my credit history. The continued presence of this account is causing undue stress and affecting my financial standing adversely. 

I have attached all relevant documentation supporting my claim and kindly request your immediate attention to this matter. Your assistance in expeditiously removing this inaccurate entry from my credit report is greatly appreciated. 

Thank you for your prompt action in resolving this dispute.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute an entry on my credit report pertaining to a credit card account that has been both paid off and closed for over a year. The account in question is with XXXX XXXX, and I request your immediate attention to rectify this matter. 

The credit card account was successfully paid off and officially closed XX/XX/2022. I have diligently met all my financial obligations, and the account in question should no longer be reflected on my credit report. I have enclosed proof of payment and the closure confirmation from XXXX XXXX for your reference. 

Despite the closure and payment, I recently discovered that the account is still appearing on my credit report, negatively impacting my credit score. This is not only inaccurate but also unjust, given that I fulfilled all obligations and closed the account as per the terms agreed upon. 

I kindly urge you to conduct a swift and thorough investigation into this matter, ensuring the accurate reflection of my credit history. The continued presence of this account is causing undue stress and affecting my financial standing adversely. 

I have attached all relevant documentation supporting my claim and kindly request your immediate attention to this matter. Your assistance in expeditiously removing this inaccurate entry from my credit report is greatly appreciated. 

Thank you for your prompt action in resolving this dispute.
Consumer complaint received 2023-08-31
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. (NJ)

I XXXX XXXX notice some unauthorized inquiries appearing on my credit report I have attached supporting documents and a photo Id below. 

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (TX)

I am natural person. I am a living human being.I HAVE rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous of times. I demand the following accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MO)

I registered for auto-debit for payment of my loans in XX/XX/2023. I received correspondence from Nelnet that confirmed I was placed on an auto-debit plan and that it would start after XX/XX/2023. My first payment due on my loans under the SAVE repayment plan was XX/XX/2023 for {$160.00}. On Monday, XX/XX/2023, my account indicated that it was " past due '' and there was no record of the pending auto-debit in my account. So, I paid my {$160.00} loan payment on XX/XX/2023 through the web. Now, in my checking account, I see two payments for my loan payments, indicating that the original auto-debit must have gone through. I'd like this to be resolved quickly and frankly, for Nelnet to get their XXXX together. I understand if they are understaffed at the moment but they knew repayment was on the horizon and had 3 years to figure this out. Now, I've paid them extra money, who knows what they will do with the extra money ( probably keep it towards interest, even though under the SAVE plan if I pay the required payment the remaining uncovered interest is supposed to be forgiven ).
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

Hello : I am a US Bank customer and use online bill payments and recurring bill payments for most of my expenses. I have a mortgage with XXXX XXXX for which I have an established recurring bill payment set up with US Bank.In XX/XX/XXXX I received a notice from XXXX XXXX that my monthly payment would be changing beginning in XX/XX/XXXX. I went online to my US Bank Bill Pay to adjust the payment amount from {$3400.00} to {$3500.00}. I also transferred funds from a savings account to my personal checking account to cover anticipated expenses including the monthly XXXX XXXX payment. Believing all was fixed for future payments I paid no attention to the bill pay service until I received a notice from XXXX XXXX that my XX/XX/XXXX payment had not been received. I immediately went online and issued a onetime payment to XXXX XXXX including late fees, verified funds were not the issue and contacted US Bank to complain about the cancelling of my payment vs the editing of the amount for future payments. US Bank has repeatedly promised to look into the matter and let me know in three business days the outcome, yet far more than three days will pass with no follow up. Today on an extended call and being passed around to multiple customer service reps and managers, I was told that bank logs indicate I cancelled the payment and that no documentation of same would be provided to me, nor would a letter explaining what actions I and US bank had undertaken to address the issue would be issued. My credit has been damaged by the failed payment, I am in need of documents to show a mortgage broker that I protest the resulting fees and ding on my credit, but I get nowhere with US Bank. I am going back to a branch today as directed by online banking to ask for a letter of explanation which I have little hope of getting.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.