davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (CO)

A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX with account number XXXX This account does not belong to me. 

INQUIRIES REMOVALS BELOW XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX Thank you for your time and attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I logged complaint # XXXX on XX/XX/XXXX and on XX/XX/XXXX XXXX responded saying they would reinvestigate the complaint and respond in " up to '' 30-days. Well it has now been 32 days and they are in direct violation of my F.C.R.A rights. Now that they have failed to provide a resolution in the 30 day time period I demand the inaccurate reporting placed on my credit report by XXXX XXXX be deleted. I logged complaint # XXXX on XXXX XXXX XX/XX/XXXX and they sent a simple reply " we need more time to investigate '' on XX/XX/XXXX and no further response sense then. I do not care that CFPB gives up to 60-days to resolve a matter F.C.R.A says 30 days is sufficient. I have disputed this multiple times over several years to only get ignored by both the bank and credit bureau. I will proceed with legal matter if this is not deleted and a response is provided in a timely manner. 

I do see where XXXX sent the same request they always send to XXXX which is asking them to verify the debt, and yet again XXXX sent back a letter saying it was verified. 
I AM NOT DISPUTING THE DEBT IS MINE, I NEVER HAVE DISPUTED THAT FACT!!!! 
IT IS THE SIMPLE MATTER THAT XXXX LOGGED THIS ON MY REPORT AS CHARGE OFF, THE SAME MONTH THEY AGREED TO ACCEPT A DEBT REPAYMENT PLAN, AND THE SAME MONTH THEY RECEIVED THEIR FIRST PAYMENT VIA THE REPAYMENT PLAN. THIS SHOULD HAVE NEVER BEEN REPORTED AS A CHARGE OFF. 

I initially logged my CFPB complaint on XXXX XX/XX/XXXX XXXX even though they provided a brief response on XX/XX/XXXX the clock legally starts from the day I logged my complaint. So they are way over their time limit to provide a resolution. XXXX also mailed a copy of about two or three statements from XXXX, with no cover letter or explanation as to why I am receiving those ; So I am hoping their incompetent staff do not think that was a valid response, it clearly doesn't address my complaint. 

Also CFPB has failed to hold both the credit bureau and creditor responsible, I am perusing information on how to file against CFPB for their lack of assistance as well.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I had a account with Bank of America during the year 2012 when the bank was charging XXXX dollars for overdraft fees and repeated with the same XXXX dollars for the sam over draft fee multiple times.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of XXXX XXXX XXXX. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from XXXX XXXX XXXX. 
Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX XXXX. 

I have had multiple loans with XXXX, XXXX and have never been LATE. 
Because the instalments are AUTOMATICALLY drafted out of a bank account. 

Have tried numerous times to reach out to XXXX, XXXX and they can not find this account number in their system, which is negatively reporting on my credit report. 

XXXX XXXX XXXX account # XXXX SHOWS XXXX DAYS LATE ON - XX/XX/2022 In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

Thank you.
Consumer complaint received 2023-12-25
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

i disputed these addresses they are unmailable means mail did not reach its intended distination due to the address being incorrect, incomplete or illegible 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
Consumer complaint received 2023-10-30
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. (MA)

On all three of my credit report for each of the credit bureaus I have a number of hard inquiries that I do not recognize. I've tried reaching out for removal and they have refused to delete.
Consumer complaint received 2023-09-24
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Every time I try to get money out it blocks me saying it's suspicious activity so I have to call them and clear it and I told them before to take that off that I don't want that on there it's frustrating to me. So it happened to me again so I called them up and I'm speaking to the automated system and they said press one if these transactions were yours pressed one then I waited for somebody to come on in case if my transaction wouldn't go through and while I'm speaking to her she blocks me and I can't get it get any money out again and I told her that I was already verified and she said well there must have been a reason why you came to me I told her yes it was because I waited on the phone in case my transaction would not go through again. She then tells me I can't get verified because I didn't have my phone with me and I have to go into a Bank of America and show them two forms of ID and this is on a Sunday morning. Then the supervisor gets on after I waited 40 minutes for him to get on while I'm sitting in front of a Bank of America and all they have to say is sorry for the inconvenience. He was rude and unprofessional. They said for customer security I told them I didn't want it to take it off I don't want to have to go through a hassle every time I need to get my money they did nothing for me just made matters worse and the thing is that they know that I have to go through them because I get my unemployment through them so they think they can act anyway. I have something very important that I need to do today and I need that money and I'm not going to be able to get it.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX I sent a wire transfer to a XXXX account.Then after research I found the transfer was a scam commiting fraud.I then went to my bank ( Chase ) on XXXX XXXX and recalled the transfer.To this date XXXX XXXX I have received no notification of my funds being refunded.Have worked with my bank ( Chase ) since XXXX XXXX to no avail, but XXXX bank doesn't even want to talk either to me or my bank ( Chase ) .There is quite a considerable amount ( {$42000.00} ) taken from my lifetime savings account.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have diligently undertaken a series of actions, including telephonic communication, electronic correspondence, and the submission of written documentation furnished by XXXX, in an effort to rectify the inaccuracies persistently reported by the credit reporting agency with regard to the status of my student loans. Attached is a letter from XXXX.
Consumer complaint received 2023-09-24
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 (CA)

( 4 ) four unauthorized inquires was placed on my credit report. I did not give or the Capital one permission to report on my credit report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with ANY OF THE MENTIONED INQUIRIES IN QUESTION.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have diligently undertaken a series of actions, including telephonic communication, electronic correspondence, and the submission of written documentation furnished by XXXX, in an effort to rectify the inaccuracies persistently reported by the credit reporting agency with regard to the status of my student loans. Attached is a letter from XXXX.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am not in school so I dont why a student loan is open. I never opened these accounts so therefore I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-09-24
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. (TX)

1- My name, current address, current employer, are inaccurate and inconsistent on my credit report. 
2- XXXX XXXX XXXX account is showing inaccurate information ( late payment, Balance, date open. More importantly, that company and the credit bureaus failed to obtain my consent to share my information. 
3- As shown on the document attached, only one phone number belongs to me, 4- The XXXX XXXX XXXX  added a collection to my credit report without any prior communication with me, failed to validate the debt and to provide any documentation substantiating the same. 
5- The Bankruptcy on my account is not mine. It shows different account number and date for each bureaus. Both Bureaus failed to provide me with the source of their information and to verify the same.
Consumer complaint received 2023-09-24
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)

1- My name, current address, current employer, are inaccurate and inconsistent on my credit report.

2- XXXX XXXX XXXX account is showing inaccurate information ( late payment, Balance, date open. More importantly, that company and the credit bureaus failed to obtain my consent to share my information.

3- As shown on the document attached, only one phone number belongs to me, 4- XXXX XXXX XXXX XXXX added a collection to my credit report without any prior communication with me, failed to validate the debt and to provide any documentation substantiating the same.

5- The Bankruptcy on my account is not mine. It shows different account number and date for each bureaus. Both Bureaus failed to provide me with the source of their information and to verify the same.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 2023-10-27
Product: Credit 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 (MI)

Bank of America which owns Merrill Lynch is forcing customers to open additional checking accounts to achieve greater rewards. 

I have more then enough accounts with Merrill Lynch to qualify for preferred rewards. But nope Bank of America says I have to open another account so they can charge me more fees to get these preferred rewards even though on their own letter it says accounts can be Bank of America and OR Merrill Lynch accounts. 


That is nothing short of consumer fraud Bank of America want people to open additional accounts so they can get their fees and charge people to qualify for rewards program with suspicious wording on their own letters. 

Shame on Bank of America and stay away from them.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (MD)

In accordance with the Fair Credit Reporting Act the following creditors ; XXXX XXXX XXXX XXXX, Navient, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

Dates Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX