davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2021-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I attempted to stop a fraudulent electronic money transfer from my account to a scam artist. Bank of America would not stop or cancel the transfer despite it being still " in process ''. I sent the fraud perpetrator {$3300.00} on XX/XX/2021. The Fraud Department of Bank of America would only file a claim within their own institution and did not assist me in attempting to halt the transaction. They have yet to assist me in recouping the money.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I took my XXXX to XXXX for a diagnostic they did not do so as I have their software and diagnostic tools as they sell it to the public. They didnt test out my XXXX or get the proper estimate they tried to make it a XXXX job when it simply a sensor that their own software was able to detect and my other mechanic was able to fix it
Consumer complaint received 2023-07-18
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. (CO)

The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get XXXX XXXX to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to XXXX XXXX  and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I spoke with XXXX XXXX in XX/XX/XXXX regarding why I received a late payment on my account after speaking with several others who were uncertain to how I received the late payment. I received credit for 3 months payments towards my principal account as well as removal of interest to satisfy a previous complaint with this company. After reaching this agreement a late payment appears before my actual due date in XXXX of XXXX from XXXX of XXXX?. I received the notification from the bureaus. After reaching out to the company per the previous complaint I was directed to XXXX XXXX who states that the late payment was from XX/XX/XXXX. I let XXXX XXXX know that it is illegal to report a late payment from several months after it supposedly occurred and violates my FCRA rights as a consumer. I explained that during my email communications and calls to the company no one ever stated any such thing. She states that they were not able to tell me because of my cease and desist in place from the previous complaint. I advised her that Ive had several communications and not one person saw nor mentioned this late payment. This company continues to disappoint its consumers, in turn in why they no longer do these types of loans. My bureau reported at the time all on time payments from XX/XX/XXXX until XX/XX/XXXX. This appears after the agreement was reached from the prior complaint and the proof of that was provided from XX/XX/XXXX from a screenshot of my online bureau report. The correction of payments would have satisfied any payments and or any interest if I was truly delinquent. The dates reporting are all different for the same bureau.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/year>, Transunion deleted my XXXX XXXX account information from my credit report and refuses to put it back on. Transunion is in violation of fair credit reporting act. I request that Transunion reports my XXXX XXXX account that was deleted in XXXX.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

I just got my loan letter from Mohela stating my loan is being transferred. I tried several times logging into my account and re-enter the new information. I can not login - keep getting a system error and my payment is due in about one week. 

If there system is bogged down due to high activity, that is not my problem. Thats theirs as I am sure they will have no problem nailing me with a late payment. 

I dont have time to sit on hold waiting for them. Even on their website, it states longer than hold times are expected. Thats their staffing issue. Not mine. They need to figure it out.
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am a XXXX XXXX XXXX who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. Bank of America, without consulting me, closed my account and debited my account for nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and XXXX XXXX XXXX won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to Bank of America. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business. The loan is a current loan being paid back to the XXXX and Bank of America is holding my banking account privileges hostage because I am unable to establish an account with the bank of my choice due to what they are reporting. I owe Bank of America {$0.00}. The loan is a current loan being paid on time to the U.S. government.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018, Bank of America closed my checking account without my knowledge. Also, BofA cleared my account for {$200.00} and supposedly sent this check to me which I never received. Prior to the closing of my account, I had 2 pending charges via debit card totaling {$210.00} which posted the day after BoA closed my account. This action by BofA caused me to be overdrawn by {$210.00}. Because my account was abruptly closed and because of BofA 's negligence by not taking the time to look at the pending transactions from my account, BofA caused my account to be overdrawn on top of inaccurately reporting this to both XXXX  and XXXX XXXX XXXX. BofA is claiming I owe them {$210.00} which in fact they owe me {$200.00} for the money that was in my account prior to closing. I have spoke w/ BofA about this issue and requested they look into the check they claim they mailed to me. BofA did confirm the check that was issued to me in the amount of {$200.00} was never cashed. I also explained to customer service rep that because of the nature of the situation, BofA is inaccurately reporting me to XXXX  and XXXX XXXX XXXX  and requested that the inaccurate information be removed from both reports. BofA said they is nothing they can do about clearing the balance that I owe them or clearing XXXX  or XXXX XXXX.
Consumer complaint received 2023-05-25
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. (TX)

I checked my credit report and noticed some information was incorrect. I contacted Equifax because they are obligated by section 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) to verify this information ( A ) and they are not permitted to report this unverified information without providing any supporting documentation within the legally allotted timeframe. The FCRA gives them 30 days and they failed to meet that required deadline. The attached items need to be removed from my credit report immediately.
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

Breach Of Contract, Many Businesses who have made Fraud misrepresentations, and false statements made false assertion Fraud debt. They're Intentionally used this method as tortious act to infliction of emotional distress. They are stealing my personal information, creating accounts through their system. Present i am grossly, affected by the Data Breach. and Fraudsters, using my personal information and is being passed on deception through Identity theft and XXXX  Data Breach files are being created in my names. Today received letter from XXXX XXXX XXXX XXXX. Referencing Calvary SPV 1, LLC and referencing XXXX XXXX  requesting {$1200.00}. Deliberate interference violated by the intentional torts of assault by calling repeatedly. I have never authorized this debt. My rights are being infringe upon. Over Two years ago, I am being taken to Court by XXXX XXXX XXXX, although, prevailed, in case they received a Judgement for this account in the amount of {$1900.00} on XX/XX/XXXX. Now they want more, I and being invaded by Debt collectors Data Base. I have been harassers ever since. I am being invaded by Debt collectors Someone attempting to collect a debt constantly calling phone calls on my cell phone. Constantly being taking to court by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Two days ago, received a box of XXXX XXXX with multiple transactions from multiple accounts that most are not mine file from XXXX ( stating I am requesting information ), which I didn't. Many Cases constantly being filed in court. Every day, I am being contacted for more money they say is owed in my name. What can I do? I do not own money.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My husband has been mobile depositing checks from his employer made out to cash. On XX/XX/XXXX we were alerted our account was low due to a duplicate transaction. We made a claim immediately. They said there was nothing they could do because whoever cashed the check trumped our mobile deposit even though that check number was deposited into our account back in XXXX. I asked to close the account with Bank of America to prevent any further fraud and they said they would still take the money from another account. We have a total of 4 accounts with them and have been with them for 25+ years. Since the initial fraud we have now been debited out of our account 3 more checks totaling the amount of {$2400.00}. Our account is now currently frozen in a negative balance and our bank refuses to help us get our funds back. We have filed a police report and have a case number but waiting for them to assign us a detective to find out who is cashing the stolen checks.
Consumer complaint received 2017-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that Capital One has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies.
In the past, I have disputed and requested " verification of debt/records '' from Capital One and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws.
The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX  As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the Capital One 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though Capital One has ignored my requests - and violated consumer protection laws.
To help resolve the situation, I am requesting that Capital One provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that Capital One has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications Capital One has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken Capital One many months if not years to respond to simple letters and requests.
Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
Consumer complaint received 2023-05-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter to Equifax to file a dispute on my credit report and I'm not happy with the investigation results because the negative information on the report still remained even though there is no proof that I opened the account. The following account is opened as a result of fraud and I'd like Equifax to remove this account permanently off 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
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, XXXX  as well as an old XXXX XXXX in XXXX  XXXX., I have requested numerous times to remove XXXX XXXX XXXX  who is on bkXXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX dischargedXX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, XXXX. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
Consumer complaint received 2023-05-25
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. (KS)

According to 15 u.s.c.1681 section 604 A section 2 I have a right to privacy and a consumer reporting agency can not furnish an account without written permission It also states that all information needs to accurate and verified and the agency will verify the information thoroughly.

I have disputed the information for two years and showed the information that is not accurate there is three different social number between the three credit reports the loans and information are different through thought all three. None of the information is accurate and everytime I dispute they ignore it and say verified. There are so many violations on my credit reports According to 15 u.s.c 1681 n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages of not less than XXXX  and not more than XXXX  per violation Civil liability This has almost ruined my life I have not had any credit or debt in my life and when I had to go use credit I am un able to because of this and trying to fix it has been XXXX I have almost ended my life because of the stress and situation this has caused me. I want it fixed immediatly