davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2023-06-14
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

On XX/XX/2022, the PSLF Limited Waiver rules changed and we had until XX/XX/2022 to submit everything. I completed the PSLF form but had questions on consolidating. When consolidating it said I may lose prior PSLF approved payments and start back at 0. So, I've tried to reach Mohela over and over and over for answers as the studentaid website says to contact the provider. I've spent countless hours on the phone on hold never to talk to anyone. Then today, XX/XX/2022, I finally make contact with a person and he says " This looks like the first time you've called Mohela ''. That put me in an outrage because I've called now everyday to be put on hold. So, this guy tells me I would have needed to consolidate to get the limited waiver so now the day after the deadline I find this out with no help from any online source of the company. He then said he would speak with a supervisor and put me on hold. Five minutes later comes back and says they are still reviewing if I need to continue and puts me back on hold. That was over an hour ago! I am still on hold. Right now, my phone says I've been on the call for 2 hours and 44 minutes. Over the last few weeks I average around 2 hours before I got frustrated and called back later. Then, Mohela has an automated prompt system that takes around 7 minutes until you can actually press a button to get to the right program. This is very frustrating.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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.

The information that is shown about this fraud bankruptcy on Equifax and XXXX is completely inconsistent. Equifax says the date filed was XX/XX/2019 and XXXX says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, XXXX says the Court is US Bankruptcy Court, while Equifax says it's Federal Court.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate information about a bankruptcy that was filed 7 years ago.   the Bankruptcy is from  XXXX  Georgia Bankruptcy court. This action occurred in or around  XXXX  -  XXXX    XXXX  . This bankruptcy is past the legal reporting period of 7 years, per the FCRA guidelines.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NY)

A balance transfer was made in the amount of {$5600.00} in XXXX of XXXX from my XXXX XXXX card to a Wells Fargo card. I began contacting XXXX XXXX in late XXXX because the balance transfer had not come off of that account. Throughout summer, both companies were contacted multiple times. Wells Fargo completed several research requests concluding that they did send the funds. XXXX XXXX still stated the funds were not seen. In XX/XX/XXXX, I called Wells Fargo and discovered that the last 4 digits of the account number they sent the funds to did not match my account. I am unsure how these numbers got changed. To remove the balance from my account, XXXX XXXX is requesting an EFT report showing that the funds were sent. 

On XX/XX/XXXX, I called Wells Fargo requesting that further documentation be sent showing that the balance transfer occurred. They stated that the only proof they could provide is my statement. The statement had already been sent to XXXX XXXX and was determined to be insufficient proof of transfer. Wells Fargo stated that the only other option is a custom letter. I again called XXXX XXXX to let them know. After some discussion, a three way call was done between myself, the XXXX XXXX representative named XXXX, and the Wells Fargo representative named XXXX. This call was recorded on both sides. XXXX stated to XXXX that the EFT report was all that was needed to resolve the issue. XXXX stated multiple times that he understood the request but Wells Fargo was unable to provide that, and that the only proof that they could provide was my statement or a letter. XXXX let him know that those options are not sufficient. He acknowledged that information. XXXX placed a request for both the EFT and a letter but acknowledged that it is unlikely that the EFT will be sent. He also stated that regardless of the outcome, there is no way to cancel the balance transfer, leaving me to pay the balance on both cards. 

I have now have the same balance on two cards. XXXX XXXX has temporarily refunded the balance to allow me to submit further documentation but it will be recharged to the account if sufficient documents are not sent.
Consumer complaint received 2023-08-16
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXXXXXX
Consumer complaint received 2022-11-01
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-09
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: Credit Card Acquisitions Group (NJ)

I sent XXXX a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named Foster and Monroe LLC in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked XXXX to investigate, I was told the company verified my information as correct. When asked to provide me with that information i was told by XXXX XXXX in the dispute team as well, as supervisors that they were provided my social and written information from the furnisher and would not provide me with that information although it is my right under the FCRA.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

The credit card ending XXXX was opened on XX/XX/XXXX. Due to non-payment the account was charged off on XX/XX/XXXX, with a balance of {$1900.00}. The last payment on the account was on XX/XX/XXXX, in the amount of {$2000.00}, which brought the account to a XXXX balance. The credit card ending XXXX was opened on XX/XX/XXXX. Due to non-payment the account was charged off on XX/XX/XXXX, with a balance of {$1300.00}. The last payment on the account was on XX/XX/XXXX, in the amount of {$1300.00}, which brought the account to a XXXX balance. Both these credit cards still show on my credit report even after 7 years. These accounts charged off on XX/XX/XXXX but the original delinquency that led to the charge off was in XX/XX/XXXX which is when first payment was missed. The original delinquency date is not showing up on the credit report and which is the reason 7 year rule is not applied and removed. According to FCRA the chargeoffs are removed after 7 years from the XXXX delinquency that led to charge off. If you can not remove it update the payment history from XXXX for the both credit cards that way I can work with credit bureau
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Approx. XX/XX/2017, after reviewing the charges on my credit card, I became aware that I had been the victim of identity theft. I promptly notified Bank of America, reported the identity theft to the credit bureau and filed a police report. Despite timely notice, Bank of America continued to allow charges from foreign countries to accrue, despite the fact that I never visited these countries. The total amount Bank of America allowed to accrue is over {$600000.00}, despite the {$3700.00} credit limit and the timely notice of disputed charges. I had to hire an XXXX XXXX XXXX XXXX letters to Bank of America and despite the certified mailing being signed for, Bank of America stated it was received or was sent to the wrong dept. After resending the letter to the correct address provided by Bank of America, they stated the same thing after signing for the certified mail sent to the addresses they provided. I have personally physically went into the branch and filed a complaint to no avail. I was unable to purchase a new home because of the adverse reporting of Bank of America on my credit report.
Consumer complaint received 2019-10-26
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: JPMORGAN CHASE & CO. (AZ)

No idea what or why this card is showing up on my report? I do not have a flex spending card??? 

JPMCB CARD XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$400.00} REV {$210.00} MIN {$35.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX/XXXX/XXXX  Late Dates : XXXX/XXXX, XXXX/XXXX FLEXIBLE SPENDING CREDIT CARD
Consumer complaint received 2022-11-01
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)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2022 i visited XXXX XXXX! XXXX. I attempted to use their cash advance machine ( XXXX ) as i've done so many times these past months. On this date however, i was unsucessful in completing a transaction because that particular function was down ( as told to me by the employees at the cash booth ). They suggested that i try again later that afternoon which i did -- and several times at that. I still could not complete the transaction on any of the machines i've tried. I kept getting a message saying something to the effect of 'unable to complete transaction go see cashier '. 
A short while later i went home. I decided to check my bank account and found that the amount i tried to get along with the service fee was withdrawn without my authorization. The cash advance machines did not give me an approval message and receipt to take to the cashier booth to process and receive the requested amount ( {$4000.00} + {$160.00} service fee ). At their suggestion, I filed a fraud claim with my bank that same day which has since been denied twice. I stll have not received the documents that i've requested that brought them to this conclusion. I've recently filed both a debit dispute and merchants dispute with the bank - again, at their suggestion but i haven't heard from them yet. Since the incident i have been keeping communications with the casino and the company that provides their cash advance machines XXXX XXXX to sort this out and retreive my funds. The XXXX XXXX referenced the transaction attempts, both date and times and gave their findings to XXXX whom led me to believe for the past few weeks that they would put the money back into my account but only with the assistance of my bank. The bank however, doesn't want to deal with merchants. Recently ( XX/XX/2022 ), XXXX now says to me that all of my attempts on their machines were blocked by my bank and yet, the withdrawal was made. On XX/XX/2022 I received another letter from the bank stating that an additional review of the 'original claim ' of fraud did not occur even though I have changed the nature of my claim. They also claimed to have called me by phone again unsuccessfully - my caller id reveals no such attempts at all. I am always near a phone and do not subscribe to voice mail. It truly feels as if all parties involved are avoiding responsibilty. It's been almost XXXX weeks now and other than hiring a lawyer I am running out of options. This has been affecting my health and my work. Please, someone help me.
Consumer complaint received 2022-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CFPB + Capital One, On a recent pull of my credit reports I noticed unauthorized hard credit inquiries from Capital One I would like removed as soon as possible - attached to this complaint are : - drivers license - social security card - mailing address - written complaint - copies of credit reports where it shows up
Consumer complaint received 2022-10-23
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. (NY)

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. 

Account XXXX : XXXX, Account # XXXX. 
Account XXXX : XXXX. XXXX, XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX. Has violated my rights. 
15 U.S.C 1618 section 602A. States I have the right to privacy.

15 U.SC 1618 Section 604A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618s-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 2023-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OR)

For the period XXXX thru XXXX XX/XX/2023 as an example there have been 14 calls from them, on the XXXX which was a Sunday there were 4, Monday the XXXX another 4 and today the XXXX there have been 6 as of XXXX. 

Before these dates they would on average call 5 or more times daily. 

Calls will start at XXXX and continue thru mid-afternoon.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX, and XXXX my bank account was being robbed for withdraws XXXX  everyday til I noticed. Upon finding out I called my bank and they opened a investigation, about a week ago I received a letter saying that the transaction were authorized which I know theres no way because the withdrawal happened miles away from me and I had my card the whole time so there no way of that being possible. Before finding out of this I wasted the money they had accredited to me since i knew I was innocent and believed I would get my money back and now I have no way of paying them back
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. 

Account XXXX : XXXX, Account # XXXX. 
Account XXXX : XXXX. XXXX, XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX. Has violated my rights. 
15 U.S.C 1618 section 602A. States I have the right to privacy.

15 U.SC 1618 Section 604A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618s-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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report