davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (FL)

I had a Bank of the West Secured Credit Card with a {$1000.00} limit and a {$1000.00} security ( kept in the banks savings account. 

1. Back in XXXX I asked that the bank close my account ( at my request ) and apply the security deposit. They failed to do so. While I received a letter stating they closed the account ( letter dated XX/XX/XXXX ) with a balance of {$1000.00} from my voluntary request, they did not apply my security deposit. 

2. I have made multiple written requests, phone requests, and even taken to social media asking for help to get my security deposit applied. I have stated repeatedly that once they apply the security deposit and send me a bill for any difference I will pay the difference. They claim to call me back and leave messages, and yet they don't. Although they have hung up on me. When they have spoken to me ( because of my phone call attempts, they hang up, refuse to help - saying they have no ability, refuse to give me to a manager that can do something, or actually promise it will be done and nothing occurs. This has literally been the worst customer service ever. 

3. Instead they have charged additional fees/interest and refused to apply the security deposit. As of yesterday morning the representative i spoke to ( that their social media support transferred me to ) stated that if I pay the full balance which is now {$1100.00} ( due to fees and interest added ) that they will then at some point in the future mail me a certified check for the security deposit. But there are no guarantees of when I will get that deposit back. 

4. This is not satisfactory, that is my {$1000.00} in that savings account, I don't trust the bank at this point as they have spent months lying about closing the account, stating that in " two weeks my security deposit will be applied '', and now trying to get me to pay the balance and wait for a refund on my security deposit. 

Please help me to get this account closed and security deposit applied. 

*I have attached the letters received and the latest email outlining the events to the Bank of the West Social Media representative. I have also attached the last security deposit statement and the XXXX Credit Card Statement.
Consumer complaint received 2022-11-10
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. (CA)

I ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to XXXX, XXXX and Equifax disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Please be advised that you are reporting the wrong Previous Addresse, see proof of address enclosed. Equifax is not compliant according to the FCRA Metro 2 reporting laws and are in violation. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.
Consumer complaint received 2018-04-16
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: EQUIFAX, INC. (MD)

I saw on my credit where there are a lot of hard enquires, that I did not authorize I bought a car in XX/XX/XXXX. I reached out to the credit bureaus and explain to them I am a victim of an identity thief provide them with police reports, XXXX and XXXX tried to work with me but Equifax refuses to even send me a credit report or removed the hard enquires that I did not sign for. I explain to the bureaus I bought a car in XX/XX/XXXX and did not try to buy a next one in XX/XX/XXXX of the same year for my credit to run and secondly, I consent to no one to run my credit for no auto loan in XX/XX/XXXX. So why is my credit being run in XX/XX/XXXX so many times by Equifax.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2023-01-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section XXXX and XXXX XXXX provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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. (GA)

Based on, 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/2023
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (SC)

I'm submitting this complaint against all 3 major credit reporting agencies. 

I've submitted a letter to the credit bureaus, Experian, XXXX, and XXXX, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-08
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. (NC)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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 an account without my written instructions.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

XX/XX/XXXX  - Scheduled payment to pay {$100.00} to Nelnet to pay my loans for the month. I had sufficient funds so I was not worried that the payment would not go through. 

XX/XX/2023 - My billing statement becomes available so I check my account to pay it early for an additional {$100.00} for the month only to figure out that XXXX 's payment did not go through. I schedule to pay XXXX and XXXX ( approximately $ XXXX {$210.00} ) off in one shot with sufficient funds for this and wait until XXXX. I then attempted to contact them through their portal with my information and issue using https : //nelnet.com/nelnetforms/emailus. 

XX/XX/XXXX   - In the morning, it was found on Nelnet that my payment went through and it says my next payment is due on XX/XX/! The amount seems as though it was not applied to the loan though. I went to check my XXXX  XXXX XXXX checking account to see if the funds have been pulled, but no hold and no funds have been pulled yet. I assume it would take a little bit to reflect in both the loan and checking account until the evening. 

XX/XX/2023 - At XXXX, I check my bank account to see if anything had happened yet, but nothing. I then look to see if my scheduled payment is there and the scheduled payment is gone and there's nothing proving I even had a scheduled payment except for confirmation emails of when I scheduled them. Now my loan reverted and says my next payment is due on XX/XX/XXXX  again. 

Today is XX/XX/, and still no response to my email or what is going on. I guess a huge issue is that the scheduled payment is being cancelled and Nelnet sends me emails regarding scheduled payment confirmations, billing statements, and everything EXCEPT the fact that my payment got cancelled which led to me being delinquent on a payment. How come everything comes through email except such an important thing? It seems like predatory practice as it seems I am not the only one having this issue per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I disputed 9 late payments on my credit report which equals 1 XXXX XXXX payment. I contacted XXXX  about the 30 days late for XX/XX/XXXX, XXXX agreed to update the late payment to current, as XX/XX/XXXX was in special forebearance, updated to a XXXX, and was affected by a declared natural disaster for XXXX XXXX, during XXXX XXXX. XXXX sent me a letter to confirm the update to bring my payment current, back in XXXX of XXXX. I have disputed the Experian credit report to Experian to update my credit report. ( XXXX and XXXX has updated to current, no late payments last year. ) Experian system was malfunctioning, they updated a month I did not dispute, they updated the credit report to show 90 days late ( which was previously 30 late ), and never corrected this. The credit report should have removed the late payments. 

I have spent 90 days, and 3 attempts to correct the Experian Credit report with no success. And now I must start all over again and contact XXXX to ask them to remove the late payments, which they have already agreed to do and report the update to Experian. 

Experian has neglected to update my credit report, while spamming me with offers, and lowering my credit score by XXXX points when there were no new events to warrant the decrease, while I was in dispute. 

I have attached the letter from XXXX date XXXX. Tonight, XXXX Experian completed the 3rd dispute saying the late payment was confirmed and verified. this is a lie. The letter from XXXX and my phone call with XXXX proves otherwise. 

Experian has not dealt with this dispute honestly, therefore it is not resloved.