davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

There is a collection on my credit report from XXXX XXXX, with an address attached to the collection that does not belong to me. I have contacted XXXX XXXX and informed them that I am a victim of Identity Theft. Below are the account number and also the amount that was placed on my credit file. Thank you for your prompt attention to this matter Account Number Account XXXX Amount on credit reports ( Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX below is the letter I have sent in certified to XXXX XXXX Account XXXX XXXX XXXX Fraud Department To whom it may concern. I have received notification that a negative account has been reported to my credit file, this account does not belong to me I was recentlv a victim of fraud and the address for this account is and has never been a place of residency for myself, I have attached a copy of the police report filed for your review Please remove this negative account from all three bureaus XXXX, XXXX, XXXX Thank you for your time and consideration in regards to this matter XXXX XXXX
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been more than a year that I have been dealing with this distress. On XX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against XXXX, XXXX, and Transunion in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit on XX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set forXX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX  and XXXX where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.
Consumer complaint received 2022-12-21
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. (ID)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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.
Consumer complaint received 2023-01-24
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

For account # XXXX In accordance with the fair credit reporting Act this creditor XXXX  XXXX has violated my rights under 15 USC 1681 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. 15 USC 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 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent letters out on XX/XX/XXXX to Transunion. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureau failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency XXXX, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-dday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (NJ)

I closed my bank account with Chase Bank in XXXX. I received a letter in the mail stating I owe {$220.00}, I received no communication from this bank for almost 4 months. They have been outrageous to deal with. And unprofessional. They have stated that it was in regards to an old claim that they have not communicated anything to me at all for months. I havent received a letter from chase claims, or email or any phone call. I received a random letter dated XXXX XXXX XXXX  and received it by on XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: DISCOVER BANK (NY)

I have never had an account with discover bank yet their reporting on my report for a third time after ive disputed this account XXXX other times before. I am a victim of identity theft and my personal information has been used to fraudulently open this account without my authorization and i demand that it be removed and deleted permanently from my credit profile immediately
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is reporting a late payment on my account in error. I have never been late and this is affecting me negatively as well as all attached authorized users. 

I believe the misunderstanding is from XXXX payments that were made in XXXX. XXXX payment cleared and XXXX payment was returned. However, the payment that cleared was the first payment made. Therefore, no payment was late. 

According to the statement, no payment was made. However, I also attached a print out of transactions which clearly shows a payment made for {$73.00}. ( see attached )
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 : Acct. # XXXX, XXXX XXXX Acct # XXXX, XXXX : Acct XXXX XXXX XXXX Acceptance Now : Acct. # 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 an 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 2023-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (UT)

U S BANK {$1200.00} I have reported this company stating this debt is not mine. They keep verifying it with already-known information. However, I have an FTC, CFPB, and a police report stating I am an identity theft victim. It even shows on my credit reporting accounts. 

This said account is nothing more than another theft account that was opened fraudulently without my permission and knowledge.
Consumer complaint received 2023-02-13
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

I was notified on XXXX XXXX XXXX  that a credit card issued by synchrony paypal card under my SSN and it was reported to on my credit that synchrony closed it. I reached out to XXXX Identity theft to assist me and provide me with guidance. 
On XXXX XXXX I spoke with someone at synchrony paypal from their fraud department along with XXXX XXXX a restoration specialist ( she is helping me from XXXX XXXX After a few questions from the fraud department at Synchrony she was going to open up an investigation and report this as fraud to the credit bureaus. I have not used or applied for credit for about 3-4 years. The credit card was opened up XX/XX/XXXX and was closed XXXX XXXX
Consumer complaint received 2017-03-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

The CFPB has advised me to submit a new grievance with regard to a previous complaint under case # XXXX. In accordance with CFPB guidelines presented to me, the Corporate Complaint Team at Santander Bank has failed to adequately state any appropriate action they have taken to resolve my concerns. Additionally, the response I received from the Corporate Complaint Manager, apparently assigned to resolve my concerns has not provided any legitimate explanation for the ENTIRE amount of funds that were withheld on my checking account. Moreover, after ( 3 ) attempts to directly address the less than satisfactory reasoning within the manager 's letter, I was only allowed to speak to a complaint advisor in place of the manager. However, the advisor had no access to my complaint letter, form or otherwise file. The advisor 's statement to me via phone was that she was " familiar '' with my complaint but she could not give me any detailed information as to what their offices do. I am left to contend, based on the response I received, that possibly my letter was not even read at all. Please be advised that I am very unsatisfied with this response from the complaint team. The letter I received is a " smoke and mirrors '', complacent approach to dismiss my complaint as meaningless. It is important to note that at the initial stage of this problem, customer support indicated that I had ( 5 ) holds on my account. These pre-authorization holds should not have occurred, but as they did, my funds were held in the amount of {$430.00} dollars. And while I have seen {$360.00} dollars of that amount returned, I have not seen the remaining balance. The complaint team refuses to take responsibility and would have the consumer totally fault the merchant. Yet, I draw your attention to the ( 3 ) attachments I have provided here that address this problem, which causes consumers problems nationally. In all, I am seeking due return on the balance of my funds and for the bank to show responsible diligence in forging way better customer satisfaction and resolve.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

On XX/XX/, I received an email from US Bank, stating a payment of {$800.00} had been sent from my US bank account to a XXXX XXXX, via XXXX. I have never desired or attempted to apply for XXXX. When I tried to sign in to my account, I was blocked out. I called the number provided and set up an appointment to visit the branch office, to close out my old account and open a new one. I was told, at the end of the appointment, that I would receive a call to set up a new login and pin for the new account ; that call never came. I was also told that I would be receiving a new debit card and checks in the mail. As of today, XX/XX/2023, I have received neither. I did, however, receive a letter from US Bank stating that my complaint, regarding the {$800.00}, taken from my account had been denied.
Consumer complaint received 2023-05-31
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. (PA)

I am writing to let you know your agency is in violation of the Fair Credit Reporting Act. 
I have spoke with a Consumer Law Attorney and have studied the FCRA as well as the CFPB XXXX opinions for FACT checking. 

What I learned is the items on my credit report should not be reporting at all without my consent. The only person to give consent is the consumer and that is me!! 

You are allowing improper use of credit reporting against what XXXX has written. The consumer controls the credit reporting not the agency. 

It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 

I XXXX XXXX, did not CONSENT to any bank or agency to report 15 USC 6802 ( B ) A financial institution may not disclose non personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspiculously provides to the consumer in writing or in electronic form or other form. 

I DEMAND the items listed below be DELETED from my consumer report. 

XXXX ) XXXX XXXX  - # XXXX. 
XXXX ) XXXX XXXX XXXX XXXX XXXX I am a litigious consumer and will seek legal representation defending my right to XXXX if these items are not removed.
Consumer complaint received 2024-03-29
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. (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  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 1

5 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 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened an account with Truist Bank on XX/XX/XXXX. The next day a letter was issued saying the account had been closed but arrived on XX/XX/XXXX. On XX/XX/XXXX, I was told I needed to go to the bank and bring my ID to finalize the account I started online. I did that and when I called customer service was told there was another issue. After numerous phone calls to no avail, I went in person in early XXXX to see what was going on with my account after receiving the letter dated XX/XX/XXXX. I spoke with a banker who informed me the account was closed and I would receive a check for the amount I had already deposited. I still continued to receive emails from Truist as though I had an active account. I called in XXXX timeframe to ask again where my check was and why the company continued to send me emails like I am a current customer. The agent I spoke with told me the account was shut down and she would make sure a check was issued. Today, XX/XX/XXXX, I got a call saying that my account ( which again, is supposed to be closed and funds returned ) is in the negative and has been for XXXX  days. Since XXXX I have been completely locked out of the online banking and have not been able to see what fees have been taken from the account.
Consumer complaint received 2022-11-29
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. (IL)

I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

Ive be paying my student loans on and off for years, Ive been in deferment, forbearance and I even defaulted. I rehabilated my loans with what was a large sum of money for me at the time And I have consolidated my loans. I do n't understand how my loans have exponentially grown. Ive been dillegent now for years paying {$500.00} + per month. Still not back to what they call my original loan amount. It may just be the way the student loan debt. Business works, I may be taken advantage of, or likely both. Or maybe something wrong is going on?
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America needs to be audited for fraudulent business practices. I was charged interest for purchases that I should have not have been charged for, which is in violation of my card 's terms and agreements as outlined on my statement as follows : " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. '' Upon contacting Bank of America, the representative stated I was charged interest on XX/XX/XXXX for my purchases on XX/XX/XXXX and XX/XX/XXXX for {$3000.00} and {$13.00}, respectively. This is clearly in violation of the above terms of my credit card. 

My XX/XX/XXXX statement was for {$1200.00}. Between XXXX XXXX XXXX I made {$4400.00} in payments on my account towards the previous and new charges, though the initial {$1200.00} in payments should have been applied towards the {$1200.00} statement balance. However, on XX/XX/XXXX, I was charged {$24.00} in interest for purchases, the breakdown of balances on this statement also shows illegal business practices as Bank of America did not apply my payments towards the highest APR followed by the soonest promotional rate expiring, rather it appears they applied my payments towards the promotional rate expiring the farthest time period away, which is also not ethical.