davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/ XXXX XXXX  I applied for Bank of America Travel rewards credit card. Bank needed more verification so I called them XX/XX/XXXX. Application reference number is XXXX. They could not verify my Identity over the phone and advised to go to the bank. Right now I can not physically go to the bank. I have XXXX and remote work. I need to verify my ID by email link.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (MO)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts US BKPT CT WI XXXX Bankruptcy XXXXXXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX US BKPT CT WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance :
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

On XX/XX/XXXX, I received a call from Credit Management, a debt collector, stating that they were attempting to collect on a debt from XXXX XXXX. I explained that I had already resolved this matter with XXXX XXXX under XXXX 's Case number XXXX on XX/XX/XXXX and that I had documentation of this available. I advised that a prior collection agency had contacted me with regards to this, and that I provided the documentation to them and that this matter was closed. I advised the rep from Credit Management that I was willing to provide the same information to Credit Management ; however the representative told me that there was no need to do so, because my dispute had been logged with her over the phone. A letter from Credit Management, dated XX/XX/XXXX also states, " Call or writ us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' This company also states that all of their calls are recorded, when contacted, or when they place a call. Credit Management never provided me with a copy of the results of the dispute that they told me had been started on XX/XX/XXXX. Instead, they filled a report to all three credit bureaus stating that there has been a collection placed by them.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (PA)

In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights.

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.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report late for any purpose.
Consumer complaint received 2022-10-19
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. (WI)

In accordance to the fair credit reporting act Convergent account numbers XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BILLING Account Number : XXXX XXXX XXXX Account Number : XXXX has violated my right 15 U.S.C 1681 section 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 to not furnish account without my written instructions XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BILLING Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I am writing to express my concerns regarding the recent transfer of my student loan from Great Lakes to Nelnet and the subsequent impact it has had on my credit score. 

Upon the transfer of my student loan to Nelnet, I noticed that my debts were divided into increments, resulting in each increment being reported as new debt on my credit report. This division and reporting of my debt as new have had a detrimental effect on my credit score, which is highly concerning to me. 

I find the transition to Nelnet to be confusing and the handling of my account to be less transparent than with Great Lakes. Additionally, I am deeply troubled by the potential illegality of transferring the debt in a manner that negatively impacts my credit score without clear notification or explanation. 

I kindly request that you take immediate action to rectify this situation. Specifically, I ask that you contact the three credit bureausXXXX, XXXX, and XXXXand request that they remove the reported new debt increments resulting from the transfer of my student loan to Nelnet. 

Furthermore, I urge you to review your procedures for transferring student loan servicing to ensure that such transfers are conducted in a manner that does not unfairly penalize borrowers or adversely affect their creditworthiness. 

Please provide me with written confirmation once the necessary steps have been taken to address this issue. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (TN)

I have filed the correct fraud paperwork and sent to the credit reporting agencies. They are not attaching it to my disputes and processing the correct dispute process according to the FCRA. I also have not gotten copies of the verification process per the FCRA. 

These are the accounts XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CO)

The only date I have is from Source Receivable MNG, XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX, XXXX. Dated XXXX. I have lived at my present location for almost two years. They are saying I owe XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX : XXXX {$150.00}. 
I have no knowledge of this debt. I have nothing in writing. When I asked the collection agency for proof, they said I had to write them a letter requesting information. I find this hard to believe as if they had proof they would send it.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: VALLEY NATIONAL BANCORP (FL)

Valley bank  located in XXXX Florida did not comply with obligations under XXXX  XXXX, Florida Statues and failed to exercise ordinary care when paid 2 fraudulent checks totaling {$190000.00}. After reviewing the 2 checks, it was very obvious that they are not valid instruments. The 2 checks do not have the complete name of the bank upon which they are drawn, the payor 's signature does not match, and the checks are printed on different paper and without the watermark.

The bank advised that the investigation would take maximum 10 business days and the money would be refunded, after 3 weeks, the bank refuses to return the funds.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NJ)

I went to Victoria Secret on XX/XX/22 and was told to sign up for a card to get a discount. I asked, " will this affect my credit score '' Cashier XXXX said this wouldn't affect my score when I apply or if I closed the card. 

I submitted the application thinking this was a rewards card. It was not clear to me that this was going to have a hard inquiry on my credit report and I also asked if this account was closed if it would affect my credit. The Cashier said this application does not affect my credit. Now this account has affected my credit report and I was mislead in believing it wouldn't. 

They have sent me a card, but I do not want to activate it because I do not agree to having this card. 

I am attaching the receipt to this complaint.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

XXXX, I lost my job because of Covid recession. I tried my best to keep up with paying my bills and also maintaining my Chase account ending in XXXX. Chase however, took a total of {$4000.00} in overdraft fees. I paid Chase a total of XXXX times fee of {$34.00}. Some of my overdraft fees were for small amounts of under {$50.00} dollars. While I waited for my unemployment checks to clear. I paid Chase a total of {$4000.00} in overdrafts fees for the year of XXXX I called numerous times to request a solution, Chase however stated that nothing could be done. I have attached bank statement which shows total balance of overdraft fees for the year of XXXX
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION (MD)

I made a payment on my credit card on XX/XX/ of {$2200.00}. The disclaimer says the following " transactions submitted before XXXXXXXX XXXX ET with today 's date will be processed and credited to your account immediately and can not be edited or cancelled. '' It is now XX/XX/ and they have only released half of my payment in the amount of {$1100.00}. This has caused an immense amount of distress. I have rent and other bills that were due yesterday and I was unable to pay them because Truist placed a hold on my funds. I asked them why and they said it was because they can. The money is no longer in my checking account but it's not on my Truist card either. Something similar happened last month but they released it in about 2 days still delayed but not like this month. The delay last month caused my statement balance to exceed my credit limit and has impacted my credit rating. This is not fair and should be reversed. It is also not fair that I have to now suffer the consequences of late payments and the distress I have been experiencing due to these unfair practices. When I called Truist to ask why they simply told me because they can, which isn't a reason. If they have the money why is it not available for me to spend? That has never happened with any other credit card I have. They also said I could escalate the issue but that would still take 1-2 business days. I am filing this complaint in hopes of a fair recourse and prevention of anyone else having to deal with this level of stress.
Consumer complaint received 2023-09-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (TX)

Source Receivable Management : XXXX  are no longer trying to collect on this debt. Furthermore the creditor was reporting this on my consumer report as charged off which means they are no longer attempting to collect this debt and have taken it as a loss, which becomes income for me according to the IRS. This means that no one should be attempting to collect on a charged off debt. 

I am also making your company aware that you are in violation of 15 USC 1692j - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Please remove your account from MY consumer report as I have already addressed this debt via FTC report and it has already been addressed and removed so in turn should not be reporting again under a different company. I do not have any contract with this company and I do not accept your claim of debt and refrain from communicating with me this INCLUDES COMMUNICATING VIA MY CONSUMER REPORT through credit reporting agencies as well.

Thank you for your attention in this matter, Peoples : XXXX Without prejudice, All Natural Rights Reserved
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP (CA)

To Whom It May Concern, For the past 90-120 days I have tried to work with American Honda Finance regarding a 1x30 day late in XX/XX/2021 they are reporting to my credit profile. 

I was never late as the account was setup on autopay. I have submitted two letters conveying what occurred and American Honda Finance has not responded to either letter.

The customer service call department refuses to talk about my issue and continues to promote that my dispute/demand must be put in writing. 

Please help me get this error corrected.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have a CLOSED credit account at XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the FAIR CREDIT REPORTING ACT the following creditors have violated my rights. Under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment as late under any purpose.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (LA)

I make a principal payment to Wells Fargo Auto Loan. Their App does not have a specific button for this, so it is done by phone. Then I see the money was applied to future regular payments instead of lowering the amount owed. This pushes back my next due date. It is an attempt to not give up their interest revenue, which is the whole point of making a pricipal payment. When I spoke to them about this, they said. Oh well, yes, you have to wait a few days, call us back, and make sure we did the right thing with your money. I guess they hope you wont check up on them.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

Wells fargo, keeps changing " agents '' as soon as one agent finds out the truth, and starts settling with me, Wells Fargo management " changes the agent, " delaying '' the settlement '', year after year. Is there any regulation, that requires a bank to show a, signed and true copy of any " cure notice '', that the customer " received '' before any property was taken. WELLS FARGO has " failed to show any notice " ( now the new agent ) ( can't find any record ) ... ... ... ....
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a CLOSED credit account at XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and TransUnion credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America is trying to circumvent there minimum deposit how by making customer refunds unavailable while they have the funds and tells the customer the funds are with the merchant although the funds have been submitted to Bank of America via a XXXX XXXX clearing house who can confirm the receipt of the funds. Happen to me 5 tmes last week
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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. 

I told the Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2022-10-25
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: William D. Meeker Enterprises, Inc. (NJ)

i did not authorize these companies to run my credif i would like these inquiries removed. i also placed a fraud alert on my credit report. cic mortgage credit, XXXX XXXX XXXX, XXXX XXXX, cic credit and XXXX XXXX