davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America unlawfully obtained my credit report in XXXX 2022. I did not authorize them to pull my credit. I have not applied for any accounts with them. This is a case of ID theft. I immediately called them on XX/XX/XXXX22 when I received notice they were working on my " application for the Bank of America XXXX XXXX XXXX XXXX XXXX '' and advised them I did not apply for this card. The reference # on the letter is XXXX. They told me it would take up to 90 days to remove the inquiry from my credit. I advised them this is unacceptable and I expect it to be removed immediately. To date, the inquiry is still on my credit and has caused my credit score to drop. I would appreciate your assistance in having this inquiry immediately removed. 

Thank you
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

I called in more than XXXX to XXXX about why my " payments '' wasn't accepted under PSLF. They had told me it was because of 1-2 minor check box in the form that was incorrectly placed. So I corrected them. Then I called back and they said to wait a couple more months, only to tell me that the new forms were also missing 1-2 minor details. So I resubmit the second time. Called back. They told me to wait a couple more months. Call back and all they said was sorry 1 form wasn't processed and by the way your loans have been transferred to MOHELA without them sending me any courtesy email/message or the so called " welcome package ''. Their only response is call mohela it's not our problem now. While that's half truth, I have messaged/emailed/called MOHELA to no avail. Today is my third time calling MOHELA and I was placed on hold for 3 hours before someone picked up the phone. I asked if I can get a callback if the lines get dropped, and they replied " sorry no we have XXXX others to answer ''. Calls got dropped. Called back XXXX to ask if they can do a courtesy email to verify with MOHELA that they receive my account. And they say absolutely not. " so you transferred XXXX of your client info all to mohela, and you can't even email them to verify if they got my package from you ''. XXXX replied yes. Is this lazy or irresponsible? How is it that they're my servicing providers for so many years, and upon sending my data/forms to a different company they can not verify or send an email to that company to verify? I have tried to call Mohela myself and check online but Mohela is not picking up calls on all 3 days and not responding to my messages/emails. Meanwhile there is a dateline on the waiver XX/XX/2022. Can someone from MOHELA and XXXX actually assist instead of passing the ball to the next court with no responsibility whatsoever? And mohela, how are you not picking up any calls?
Consumer complaint received 2022-10-17
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/22 someone reported to TransUnion a " collections '' account that I have no knowledge of. It is a collections agency called " XXXX  '' claiming I owe them money from their client " XXXX XXXX  ''. I know nothing of either. I have not been in a hospital in 40 years. 

On XX/XX/22 I filed a Dispute with TransUnion online. On XX/XX/22 their results of their investigation was " Verified ''. That is all of the information that I was given. 

On XX/XX/22 via an online chat from my account at TransUnion ( transcript available ) I asked the agent for clarity and the proof they have that the claim is valid or " Verified ''. TransUnion simply refused to provide me any further information. They said that I need to call this claimant directly. I am being asked to call directly the crooks that are trying to rob me and am being refused my own information. 

So my complaint is with this credit reporting agency themselves that is allowing someone to adversely effect me, and at the very least taking their word for gospel and at most simply refusing to provide to me any sort of proof or documentation that one would think they would have on file in order to validate the claim against me. They have the information, I can only assume, that shows validation and they are refusing to provide me, the consumer, that information. 

Again, I should not be forced to call the crooks that are attempting to rob me. If all is valid, I merely seek the proof from the reporting corporatation ( TransUnion in this case ). If there is no supporting proof, then the claim needs to be removed from my credit report with them.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (WY)

The person who called me representing Credence debt collectors refused to tell me the company name unless I gave them personal information. They wanted my name, addresses, and phone number before they'd tell me the company or if they were a debt collector. They were a call center in XXXX that was calling on behalf of a company in the XXXX. I repeatedly asked who they were calling on behalf of. I was transfered to a " supervisor '' who also refused to answer any questions without me giving him sensitive information.
Consumer complaint received 2022-10-17
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXXD : # XXXX XXXX, XXXX XXXX  : # XXXX  XXXX, XXXX XXXX XXXX XXXX  : # XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MD)

There is a debt collection listed in my credit report from XXXX XXXX through Mercantile Adjustment Bur. I have no knowledge of this account and it is from XXXX, which is a state I have never lived in. It shows that it was opened in XX/XX/2022 for the amount is {$460.00}. I had it removed before from my credit report before but it appeared again and has lowered my credit score a lot. I had to also remove incorrect addresses and a name from my credit report. Someone must have used my SSN/information to open the account.
Consumer complaint received 2023-09-28
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. (NY)

I found inaccurate information in my EXPERIAN credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-09
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: Experian Information Solutions Inc. (FL)

PLEASE REMOVE IT DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022 I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (FL)

I am the victim of identity theft. I have already reported this to the credit bureaus. I sent all of my documentation including my Identity theft report from law enforcement and my identification, as well as a letter describing the crime. My information was exposed in the Equifax data breach and I believe that this is how they got my information. I have sent this information 2 times already to the bureaus and the information is still on my reports. It has been several months already. Please contact me if there is anything I can do or you need any more information from me.
Consumer complaint received 2022-10-17
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. (IL)

just received my reinvestigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence. And Tracking number #
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I am customer of capital credit card. CapitalOne restricted my account. Online account app is showing " This Card account is currently restricted '', while I still have balance on the card. 

However, I made calls to capital1 via their customer care number. I was made aware that my account has been closed on the XXXX of XXXX, due to " one-time '' return payment on my credit card account. With that said, i received additional interest charges on my card on the account on the XXXX of XXXX. On the XXXX of XXXX, I received another email saying my monthly payment will be coming up in the month of XXXX with additional extra charges, while capital claim that my account has been closed. 

Finally, I asked capital to closed my account accordinly for me to arranged a payment-plan base on the current balance on the account without attracting any additional charges nor interest charges. This is logical and I believe it falls within the financial regulation of " FDCI '' and " OOC ''. CapitalOne made it known to me that, they can't honor it. I should keep paying for additional interest rate that will be posted on the account, even though the account had been closed.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX/XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.
Consumer complaint received 2023-08-10
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. (TX)

In accordance to the fair credit report act XXXX account number : XXXX, XXXX XXXX account number : XXXX XXXX, XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX account number : deptedXXXX, XXXX XXXX  account number : deptedXXXX XXXXXXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A states I have The right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish my account without my written Instruction.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Apparently, I dont have a credit report that exists on any of the credit bureaus. So whenever someone goes to verify my Social Security number through the credit bureaus it says that I dont exist and the numbers dont match.
Consumer complaint received 2024-03-09
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. (TX)

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 XXXXXXXX XXXX XXXX XXXX automated XXXX XXXXXXXX For {$560.00} AND XXXX XXXX XXXX XXXX XXXX For {$1900.00} 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 supposed to modify accounts that aren't reporting correctly. 

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 2022-10-18
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: CITIZENS FINANCIAL GROUP, INC. (OH)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-18
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed these items and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. The accounts are not removed from my report. They have provided ZERO VERIFIABLE PROOF needed to justify the accounts but they are still reporting these items on my file which is causing so much emotional and physical stress on me. I'm still here shelling out money with no end in sight and no results to show. Also, I have talked to the furnishers and they agreed to delete the accounts from my file. PLEASE DELETE THEM NOW! 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Experian and XXXX has submitted a debt on my credit without my consent, according to XXXX XXXXXXXX XXXX XXXX XXXXXXXX, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Consumer complaint received 2023-11-10
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. (TN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (MI)

My Direct deposit account for my check was deposited Into a account that I cant access because theyre claiming my employer didnt submit my information, and I cant activate it without the banks acknowledgment being in there system submitted by my employer and also XXXX XXXX where we can access our pay stubs shows they received the money on, On XX/XX/XXXX XXXX was payday for our company. The week ends on Thursday and our new week starts again and paychecks are Friday weekly.XXXX XXXX XXXX my net pay what is {$350.00} my gross earnings was {$420.00} check number XXXX since I didnt receive my paycheck on that date they said that it was because by the bank didnt work with their banks and or thats why I wasnt receiving it because it was an online bank or something so I switched my bank deposit information to a different bank but the money was has been deposited into the first account at my money network bank I gave originally for my direct deposit. Now Ive contacted the bank, my employers have contacted them and they are telling me that its my employers that have to enter in my name my Social Security number and my date of birth and Which if that were not true that they didnt have my information that I want to have been able to get through their customer service phone line because you either need your card number to access or your Social Security now when I do my card number call back tomorrow when I use my Social Security number it allowed me to speak go through and speak to a person and she kept telling me that I needed to contact my employer which theyve been working on this for the last two weeks and theyve gotten no response from this bank is the online banking the company I work for is an XXXX XXXX XXXX XXXX MI its XXXX XXXX XXXX  Also the checking number for this a check # is XXXX. I I have all the documents to verify on this information I just want to be paid or for them to release the money back to the employer because of what theyre doing is taking peoples money and not allowing them to receive it thank you very much
Consumer complaint received 2022-11-18
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. (MO)

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX  Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016