davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX closed accounts need to be removed XXXX XXXX  of XXXX closed on XX/XX/XXXX tower loan closed account remove account XXXX closed accounts auto loan XXXX XXXX ( it was removed from XXXX i need it removed from XXXX and experian asap ) XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiries XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX experian closed accounts XXXX XXXX remove account XXXX  XXXX XXXX  close account XXXX XXXX XXXX XXXX XXXX XXXX experian inquiries remove all inquiries XXXX XXXX XXXX XXXX XXXX this
Consumer complaint received 2023-07-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America has been charging me {$8.00} fees for a Savings Account - Advantage Savings - XXXX. Fees started to appear as of XX/XX/XXXX even though this account has been open since XXXX. 

When this account was opened in XXXX with another Checking account at the same time, I was advised that " as long as there is monthly auto reoccurring transfer from the Checking account to the Savings account, there will be no banking fees added to the Saving 's account. While the monthly auto reoccurring transfer is set up and has been completed every month since XXXX, I was advised today that they made a change to how their fees now work without my consent. This is clearly misleading. 

I have requested a refund for the fees added by Bank of America, as I did not accept their new terms. They claimed they can only refund 2 of the 4 fees made on the account.
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Twice has Equifax investigated a frauduelnt account and removed it after a 30-day investigation from my credit report to months later begin re-reporting the fraudulent account. Upon calling in Equifax to submit a " new '' police report ( because the old one that was used to remove the fraudulent account the first XXXX times is now expired ), social security card and id because everything expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXXhe Equifax representative said once received it would be removed again. 

Equifax is currently furnishing incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I did this and waited another 30 days while the fraudulent account reported in error on my credit report and it was removed again a second time. 

Now, for the third time, it has reappeared and I am going through the same process again and just filed a new dispute for a fraudulent item that has been investigated and found to be fraudulent twice already by Equifax. I am hoping that the fraudulent item can be removed for good this time as is a direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-22
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XXXX XXXX 2022, XX/XX/2022, And XXXX XXXX 2022 but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OR)

Back in XXXX of XXXX, I closed my account with the internet provider, XXXX. I closed my account with XXXX, because I wasnt receiving the service I was paying for, and their customer service was unhelpful in resolving my service discrepancy. As a result, I paid the balance owed on the account, which was in the amount of {$65.00}, with a convenience fee of {$3.00}. After I paid my balance, I closed the account, and immediately changed service providers. Some time after, XXXX attempted to collect an erroneous debt I didnt owe, and reported the debt to the credit bureau XXXX XXXX XXXX I disputed the debt, and XXXX determined that I didnt owe anything, and removed the debt from my credit report. Now, this year ( XXXX ), it appears Transworld Systems ( a debt collector ) is attempting to collect on an erroneous debt they claim is on behalf of XXXX, in the amount of {$540.00}. Theyve recently reports to the credit bureaus XXXX XXXX XXXX. Ive disputed both, but both XXXX XXXX XXXX are reporting that Transworld Systems is reporting accurate information. Ive requested evidence & an itemized breakdown of this accurate information, but neither XXXX, nor XXXX have been forthcoming with it. Instead theyve referred me to contact Transworld Systems, the debt collector. Ive attempted to contact Transworld Systems, but theyve been completely unhelpful in resolving the matter, and have been less than forthcoming with any evidence Ive requested, including failing to provide an itemized breakdown of the erroneous debt they claim I owe. They didnt even get my name correct. At this point I dont know how to resolve this matter, as none of the parties involved seem interested in helping. Whatever is being reported by Transworld Systems is false, and inconsistent with my credit history, and inconsistent with my experience with XXXX ( the internet service provider that Transworld Systems is apparently attempting to collect a debt on behalf of ), and is completely inaccurate. I am requesting that this erroneous debt be removed from my credit report history, and that Transworld Systems cease and desist their attempts to collect on this erroneous debt.

Upon further research, Transworld Systems appears to be a scam, which is being reported by numerous consumers who are having a similar experience, that Transworld Systems is attempting to collect on a debt not owed. A simple XXXX search will reveal other consumer reviews of Transworld Systems, as well as the over XXXX reviews reported at consumer affairs hXXXX XXXX XXXX # reviews
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

My Nationstar Mortgage has let my home owner 's insurance lapse despite reporting otherwise. I am having to pay this in order that my home owner 's insurance not lapse. There is no issue with my payment on my end, they simply have not done their part. Very disturbing.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

XX/XX/XXXX, I had 6 emails from this company ( XXXX ) in my junk mail. I then noticed that they had a hard inquiry on my credit report ( Transunion through XXXX XXXX. ) I have never heard of this company -- much less applied for ANY of their services. They had my information from 9 years ago! I called them and they said I had to file a police report ( in the process ), within 7 days or they were going to start collections! On WHAT?! I have reported this to the local sheriff, and the MT Attorney General. I am also going to contact the FCC! I don't know who these people think they are! I am working hard on my credit to get my score back up, and someone like this swoops in and dings it! NOT RIGHT! The emails start out saying they received my application, but they needed more info ( XXXX ) ... then, it was being forwarded for processing ( XXXX. ) I was matched with an offer of {$3800.00} at XXXX, but then rejected the next morning because they couldn't verify my identity! But, they still accessed my credit report!
Consumer complaint received 2022-12-21
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: ID Analytics, Inc. (MO)

Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.

The Company has also violated a multitude of The Consumers consumer rights based on FDCPA, TILA and the FCRA doctrines.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XXXX XXXX 2022, XXXX XXXX 2022, And XXXX XXXX 2022 but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (NC)

The word " '' company '' / " the company '' '' refers to : kikoff.com ) The company is either committing fraud or an employee at the company or someone who hacked into their system has added an email and address ( XXXX / XXXX XXXX XXXX, XXXX, NC, XXXX ) to my credit report. I tried disputing before and they said I couldn't remove the information only the company could. After the last complaint I placed with XXXX they responded with " the company fixed the problem, etc '' which they did not. The information is still on my credit report and only the company apparently can remove/chamge this information according to XXXX. I filed a complaint about this before and they just gave me a " run around answer '' about how the company 's internal fraud group would look into it and respond to me, which they never did. And this was years ago and the fake email and address ( XXXX / XXXX XXXX XXXX, XXXX, NC, XXXX ) are still on my XXXX credit report.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I've tried to settle with Bank of America myself regarding 2 transactions that have been reversed on my account. First amount of {$2500.00} on XX/XX/2018 and {$7000.00} also on XX/XX/2018. These transactions are valid for goods that were purchased by the user. The transactions were made on a 3rd party marketplace. I have provided all the evidence to the bank ; however nothing has been done to resolve the issue. I am a preferred platinum honors client and they frozen my account several times and caused many transactions to fall through in which I was left paying the fees with other institutions. The user that initiated these transfers is trying to scam me out of the money by reversing their payment and claiming fraud. I've attached all supporting documents that I faxed over to them. Please assist me in making this correct! 

Thanks, XXXX XXXX
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

Hi Dear CFPB/ Comenitybank/Victoria 's Secret Card : I am writing this letter to dispute the accuracy of Commenity Victoria 's secret mastercard opened in my name on XX/XX/XXXX. 

Name : XXXX XXXX Account Info : XXXX ( I dont have the full account into, the number is from credit bureau and Comenitys letter ) Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX Phone : XXXX ( cell ) On XX/XX/XXXX, I noticed that my XXXX bank account had unauthorized checks withdrawn.. From XXXX, the total unauthorized amount is ~ {$9000.00}. 

The XXXX bank has investigated this issue and found that someone in New York used my fraudulent driver license ID in one of the bank branches to ask for paper checks and took cash. 

The XXXX bank has completed the investigation and returned all money back to my account. 

I also checked my XXXX credit profile and found out someone used my name to open a Comentiy Bank/Victoria 's Secret card on XX/XX/XXXX and they spent a total of {$630.00}. 

I called Comentiy Bank/Victoria 's Secret card Fraud Department twice on XX/XX/XXXX and they told me a fraud investigation case was opened. I have received no information from Comenity Bank afterwards. 

However I learned from XXXX recently that Comentiy Bank has reported my case as charge off and late payments, not as fraudulent activity. 
Comenity Bank also sold my debt to XXXX XXXX XXXX XXXX as a debt collector. 

Comentity Bank is negligent to handle my fraud case which I called them twice on XX/XX/XXXX. They have never sent me any information after my report. Their negligence has severely ruined my credit score. 

I would greatly appreciate it if you can investigate my case and if you have any questions, please contact me at XXXX. 

Best Regards, XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-05-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (MS)

I have accounts with money lion I have a savings on a towards a credit builder program I also borrowed money tired to pay on my account but my debit card is lost and have to input the new one in their system tired to use another card but the system would not accept a new card causing the account to be past due I was never notified I would be charged off nor a letter nor any notification they locked me out from changing the card on record therefore causing the loan to default due to this technical error
Consumer complaint received 2023-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I went to XXXX XXXX at XXXX XXXX XXXX in XXXX, California for a consultation. The staff member I met with proposed a service package and price. I was uncomfortable with the price and told her that I could not afford it. She responded by offering an installment payment plan through a third-party company called Greensky. I asked multiple times to confirm that it was NOT a loan product and it would NOT be attached to my personal credit. It was simply an alternative payment option to pay over time as I attended my treatment sessions. I agreed to this payment option. 

A couple weeks later the COVID pandemic began and XXXX XXXX  suspended services. I was ( and still am ) a XXXX XXXX worker working directly with XXXX XXXX  patients. When XXXX XXXX  reopened it was not safe for me to expose myself, XXXX XXXX staff, or my patients to illness for an optional cosmetic procedure. I informed them that I was suspending my service indefinitely and cancelled my appointments. They understood and did not have an issue with this. 

Greensky frequently sent me bills in the mail for these services that I was not receiving. When I would call the numbers on the bills to explain the situation, I could not get through to them. They continued to send bills for services that I was not receiving. Eventually they acknowledged my issue and established internal case number XXXX. Screenshot attached. To my knowledge I never received another update on this case, and I'm not convinced that it was given true consideration or resourcing. 

On XX/XX/XXXX they sent notice that a " temporary suspension of payment obligations on your Patient Solutions loan due to the COVID-19 pandemic '' would end on XX/XX/XXXX. Yet during this same period of XXXX - XXXX, XXXX they were actively reporting that my ( unauthorized ) payment obligations were past due to credit bureaus. I've attached screenshots documenting this. 

This month I became aware that this derogatory mark for late payments is still on my credit report, which has harmed my ability to pre-qualify for loans, increase my credit limit, and qualify for rental housing, among other issues. 

Upon researching Greensky I became aware that they have frequently engaged in nefarious business practices just like the fraud I've experienced, as documented in GREAT detail in a XX/XX/XXXX Consent Order File No. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

Over the last two days, I've tried to send money via XXXX for the first time. I entered the person receiving it without a problem. There was first an issue with the amount I was sending but I received an automated message telling me I couldn't send more than {$1000.00} so I at least could adjust to that. I tried to send {$1000.00}. I received a code via text but couldn't enter it in the required box -- every time I tried, the screen flashed. The first customer service person told me it was a browser problem and asked that I try another browser. I tried two more browsers with the same result. The second customer service person gave up, but said there now appeared to be a fraud alert on my account that hadn't been there before. So I was changed to the fraud group. After many questions an explanations -- one of which was why I was trying to sign on from different browsers so close together in time -- the fraud alert was cancelled and I was assured that everything in my account was going through and would not be held up. Then I went to tech support and after several unsuccessful interventions, we appeared to get XXXX working. I went back to customer service and they confirmed nothing would be held up and that the {$1000.00} had been sent and that I could send another {$1000.00} today. The transaction posted this morning. The recipient didn't get the money. I went on again today and found the transaction had been deleted and eventually found a note that it had been cancelled. I tried to send another {$1000.00} again. The system failed again and I was back with customer service. I'm told the limit is not {$1000.00} but {$990.00} and I should try that. I did, and it might have gone through, but the message says it is pending. That happened yesterday as well but customer service said it wouldn't be an issue since the fraud alert had been lifted. I asked why I should believe anythng any one from Wells Fargo says and asked that a human being call me if the latest transfer was cancelled. That was seen as unreasonable, first by the person I talked to and then by his supervisor. She said I couldn't hold them accountable for the answers they give me. Out of all of these events XXXX me off, that was the silliest and least professional. I still don't know if the system is working, And while the individuals I'm talking to are frustrated -- certainly with me and perhaps with Wells Fargo as well -- no one will take responsibility as an organization.
Consumer complaint received 2023-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Company calls from multiple numbers, multiple times a day. Today XXXX from XXXX 3 times, XXXX once, yesterday from XXXX and XXXX yesterday and the XXXX. I have multiple other dates of multiple calls per day exceeding 7 calls in 7 days.