davidheineman/consumer-finance-complaints-large huggingface dataset:
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: SLM CORPORATION (MI)

My personal information was used to obtain a XXXX XXXX. Im not in XXXX. I XXXX  from XXXX XXXXXXXX XXXX in XXXX. I have not attended another XXXX and do not plan on in the future. I have XXXX XXXX under XXXX XXXXXXXX XXXX only and no other accounts. I have not participated or contributed to any consumer accounts for a XXXX XXXX. It has affected my ability to assess resources for my way of life.
Consumer complaint received 2023-11-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

Hard credit inquiry by Discover Financial with report number XXXX. They lack to request proper documentation in a timely manner and after me providing everything that was needed and accepted by their webpage they denied my application since I did not provided the information within their expected timeline. They had me open a second application which was also canceled during the process for no reason. For the XXXX time, time had me open another application, requested another hard inquiry within few weeks, provided all the documentation once again, including additional sensitive documentation from many past years to conclude that I was not elegible. 

I believe this is ridiculous, they could have mentioned that already since the first application if all documentation was provided already and not having me going through this process and request a hard inquiry to my credit report again.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NM)

I was went to XXXX website and saw announcement that a CFPB Order thatrequiresXXXX LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to XXXX XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above XXXX starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for XXXX.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I made a very large payment against this student loan. It has been 90 days and they ( XXXX ) has not reported it to the credit report agencies. I did disputes with the 3 major credit report agencies and provided documentation from the XXXX website which clearly shows a very large payment against my balance, but XXXX will not confirm and the 3 major credit reports close out the dispute without any changes.
Consumer complaint received 2024-04-29
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: LEXISNEXIS (FL)

I am writing to formally dispute an inaccurate bankruptcy entry that has appeared on my credit report. As a diligent consumer, it is imperative for me to ensure the accuracy of my credit history. To facilitate a thorough investigation into this matter, I kindly request access to the LexisNexis report associated with my credit file. Having access to this comprehensive report will enable me to provide additional evidence and context necessary for resolving this dispute effectively. I understand the importance of accuracy and reliability in credit reporting, and I am committed to working collaboratively with you to rectify this discrepancy promptly. I can not afford Postal what is why I am asking help from CFPB. Please send within 3-5 business days to my email : XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (FL)

i have been a customer with this bank for over XXXX year. never miss and payment never late all way the balance in full, in XXXX my bill was XXXX in XXXX my payment was XXXX so therefore i pay the XXXX in XXXX i pay a XXXX on my account, in XXXX i pay XXXX. talk to the bank they stated that i have no payment for XX/XX/2024 that what so confuse is why there is no payment for XX/XX/2024. ti though that by my pay the XXXX a moth payment. that i did not owe any payment tile XXXX XXXX  i apply for a credit limit increase. and they response back by e-mail reference # XXXX stated that your account has ad a past delinquency over the last XXXX  month and i disagree with bank iam over pay by a XXXX, i believe that my next payment shall be in XX/XX/2024 for XXXX because i have pay XXXX in the last month the bank is wrong. that not how my credit card work/ the bank needed to correct this error. i do not miss any payment on any of my credit card and i got XXXX card. and they are never last
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-01-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMO Bank, N.A. (TX)

In XXXX XXXXXXXX acquired Bank of the West, who was the originator of the loan for my XXXX 

In XXXX, I received a letter from the BMO collections department threatening action for delinquent payments. 

On the XXXX of XXXXXXXX XXXX I spent all morning talking to various BMO representatives and explained to them that I had never missed a payment on this loan, and in fact had always deliberately overpaid each month, so in fact I was overpaid. 

I also explained to them that their app shows that I am current and my next payment was not due for another month. 

Details : XXXX, began chat with XXXX, then was transfered to XXXX, who promised that her manager XXXX, would contact me. I was placed on a long hold, and then was told XXXX was having technical issues and would have to get back to me later. ( To this date, XXXX has never contacted me, nor anyone else from BMO ) I explained to XXXX that BMO has obviously lost payments during their acquisition of Bank Of The West, and she acknowledged that yes, many customers are having this problem. 

BMO opened a payment investigation ticket # XXXX, to resolve this error. 

I then asked to be transferred to IT support to report the bug in their app that is showing that I was not delinquent, and my payment was not due for another month. 

Ar XXXX, I was connected to XXXX, then transferred to XXXX who opened support ticket # XXXX to research the bug. 

During my first phone call, I emphasized to XXXX that BMO would face consequences if they impacted my credit report, and she literally said not to worry about that, that will not happen. 

Anyway on XXXXXXXX  BMO did file a negative report with the credit unions, and I am writing to understand my options. 

Afraid that this would happen, I had deliberately paid the payments BMO reported delinquent, and will prove to the bank at the end of the loan that fact. 

Now, 2 months later, I have not had any communication from BMO regarding this issue.
Consumer complaint received 2023-11-22
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. (NY)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (GA)

One Main has reported incorrectly on my credit report which is presently being reported negatively on my XXXX Credit Report, I have attached the changes that they have made to my account which clearly shows incorrect reporting in certain months, Per the FCRA this account needs to be corrected and removed from my credit report. I have suffered credit denials and adverse credit decisions due to the erroneous reporting.
Consumer complaint received 2023-08-03
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. (OH)

I have five fruad accounts appearing on my credit repair please delete all accounts. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$790.00} XXXX. XXXX XXXX XXXX {$670.00}
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I have noticed several accounts on my credit report that I do not recognize, which appear to be the result of identity theft. I did not authorize these accounts. I previously reported this issue, but it remains unresolved. 

I am requesting that these unauthorized accounts be removed from my credit report immediately. Their presence is causing significant stress and does not reflect my actual credit history or financial responsibilities. 

If this matter is not resolved promptly, I will consider taking legal action to protect my rights. These incorrect items are hindering my ability to achieve important financial goals, such as purchasing a home and providing for my family. 

I hope we can resolve this issue quickly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-15
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. (IL)

I disputed my first premier account due to late payments during XXXX reporting inaccurately and the credit bureau continuously reporting the closed account with an active payment history. In addition I requested a XXXX form from the company and the sent a correspondence stating they did not charge off the debt.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MA)

Weekly, I receive letters for balance transfer from Citibank. This includes a balance transfer letter received today for {$7900.00}. Also today, I received a letter from Citi stating they are unable to approve my application based on informaion received from XXXX. I attempted to make contact with both companies today and all I received were automated responses. I have worked hard to maintain my credit and this is where I take action. In reaching out to ethier company they are required to provide me with negative information that was used to deny an application pushe on me for a balance transfer.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a XXXX XXXX  with the account number XXXX. I believe that this information is in violation of federal law, as outlined in 15 USC 1681. 

Upon reviewing my credit report, I noticed that the bankruptcy account mentioned above is listed, and it is inaccurately reported.. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false bankruptcy information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX XXXX ( Account # XXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information. 

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner. 

Sincerely,
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I haven't seen any positive changes in my credit reports recently. Once again, I find myself a victim of the negligence of Credit Bureaus. I hereby reiterate my request for the deletion of remaining items from my credit file, which resulted from fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expunge any such items no later than XXXX business days following XX/XX/XXXX. This issue has been previously brought to your attention in an FTC report and complaint, and I am referencing it again with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have already been removed by other bureaus, which casts doubt on their accuracy. This complaint serves as a formal notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and is prepared to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity. 
XXXX : XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX  XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-11-28
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Education Principle Foundation (FL)

I transferred to XXXX XXXX XXXX University in XXXX from XXXX XXXX Upon my acceptance, I was awarded scholarships and federal and private student loans. After completion of the program in XXXX, I attended graduation and walked the stage. However, I received an empty diploma holder and inquired about the status of my diploma. The school acknowledged that I completed the requirements to graduate but said they would not issue my diploma until the remaining balance of the private student loan was paid in full. I've inquired several times over the last XXXX  years, even stating that they were violating my rights and they still didn't provide my diploma. As of XX/XX/XXXX, the school is closing nationwide and I still have not yet received my diploma. 

I filed a complaint against them in XX/XX/XXXX. They initially contacted to ask what I needed. They gave me a website that did not have what I needed and have not sent my official transcripts or diploma. When I contacted them after trying the link, my email was blocked from being delivered. See previous complaint # XXXX for pertinent docs. New complaint doc attached.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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. (IL)

I have submitted all the required documents to have this account removed, and I am pleading with you to take action as soon as possible. This account is causing me XXXX and affecting my ability to sleep.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax is reporting this inaccurate account XXXX XXXX Account # XXXX and has been inaccurately reporting wrong information on my credit for years, they keep updating it with more inaccurate information and claiming they verified it. This account is 7 years old, how is it now reporting last payment {$100.00} dollars on XXXX of 2021, I keep requesting, the names and business addresses of each individual with whom verified the information, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information. But my request have been ignored.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I used my debit card to purchase a casher 's check from Bank of America on XX/XX/XXXX and mailed the check to my property management company via USPS. Unfortunately the USPS lost my mail. I called the Bank of America on early XXXX, XXXX right after I found the check might be lost. But Bank of America told me they were not able to put a stop on a casher 's check. I have to wait for 90 days then file a claim. 

After 90 days, I went back to the Bank of America branch, they found the casher 's check was deposited by someone else on XX/XX/XXXX. They filed a fraud claim for me and issue me {$1500.00} credit back to my account on XX/XX/XXXX. 

However, on XX/XX/XXXX, I receive an letter from Bank of America said my claim was declined and they would reserve the {$1500.00} from my account on XX/XX/XXXX because I used my debit card and pin during the transaction. I think the investigation they did was regardless the cashier 's check fraud. I did use my debit card and pin to withdraw the {$1500.00} to purchase the cashier 's check. The issue is the casher 's  check was stolen and deposited by someone else. 

After I received the letter, I went to Bank of America branch again, explain this to them. The banker helped me to reopen the case and asked their fraud department to reconsider it. I was also told they would not withdraw the {$1500.00} credit from my account until final decision. 

Today XX/XX/XXXX, I found {$1500.00} was deducted from my account. I called Bank of America and was told they was not reopen my case yet. 

So far, they did not provide the name who deposited the check and which bank the check was deposited to. Only gave a copy of the deposited check. But no signature on the endorse area. 

Could you help on my case? Let me know if you need any other information. Thank you very much.