davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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: HUNTINGTON NATIONAL BANK, THE (MI)

The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/ and my second letter to XXXX
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

in accordance with the Fair Credit Reporting act XXXX, DES Child Support Enforc. Account # 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 2023-05-11
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: Nelnet, Inc. (FL)

The Department of Education/Nelnet is reporting account inaccuracies across consumer 's XXXX, XXXX, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but XXXX and XXXX is showing that the account has been late for 90 days. Also, 20 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave Nelnet, XXXX, XXXX, and XXXX written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / NELNETXXXX NELNET, INC. COMMISSION FILE NUMBER XXXX XXXX # XXXX
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At roughly XXXX XXXX  on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX, XXXX and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and Bank of America XXXX 

I notified all of my banks ( XXXX XXXX, XXXX, XXXX, Bank of America, XXXX XXXX of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. Bank of America and XXXX XXXX however, did not. 

XXXX XXXX did not reverse {$2000.00} in charges from XXXX XXXX sent to two individuals, and stated over the phone that it was my fault that this occurred. They stated that if I did not pay this balance that it would be sent to collections, so I paid the balance. 

Bank of America sent a notice by mail with instructions for submitting a fraud claim. I submitted the fraud claim but did not receive a response for some time. After closing the previously near XXXX balance account, it now appears that Bank of America did not reverse a fraudulent {$3000.00} phone purchase at an XXXX XXXX in XXXX XXXX, NY, an {$800.00} XXXX XXXX  and {$60.00} in purchases from stores in XXXX XXXX XXXXXXXX, and has added {$720.00} in late fees, interest and charge off fees, and has now sent the balance to collections.
Consumer complaint received 2023-01-05
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. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items 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 items below and update or remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Goodwill Letter to XXXX XXXX In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The XXXX XXXX account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old XXXX XXXX account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.
Consumer complaint received 2023-01-05
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. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
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. (CA)

on XX/XX/XXXX. I disupted multiple inaccuracies with XXXX, Equifax, and XXXX. To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

This is unlawful and the following matters need to be corrected all XXXX credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant XXXXo15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX- Please delete 2 of the 30 day late. 
3. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late. 
4. XXXX XXXX XXXX XXXX remove all 5 late payments 5. XXXX XXXX - XXXX account and late payments are in accurate 6. XXXX XXXX XXXX XXXX 30 day late payment
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

1. My ex-wife has sought to change the insurance provider on our home mortgage. Wells Fargo tell me they must make the change ; if requested. Should the change occur we risk the current insurer XXXX XXXX ceasing the remedial work they are doing in the house due to flooding. 

2. WF also have no rules to manage conflicting parties.

3. The FBI and DoJ notified me that XXXX XXXX was part of a crime family  and would seek to undertake a fraud - insurance and financial - against me and the insurers. The circumstances of the flooding point to her negligence.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX XXXX is reporting a collection account that not only doesnt belong to me. It shows debt buyers account for account type it also has a date opened of XX/XX/XXXX with a delinquent date of XX/XX/XXXX Im not sure how an account can be delinquent 2 years before it was supposedly even open Midland Credit Management is also reporting inaccurate Information that does not belong to me Also reporting as a debt buyer with a date opened XX/XX/XXXX and a delinquent date of XX/XX/XXXX 1 year prior to questioned account being opened
Consumer complaint received 2023-03-08
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-08
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

On my credit report it shows debt I've never had over 40 addresses and phone numbers it's obvious I was a victim of identity theft I don't have anything on my credit I was incarcerated for 10 years it's impossible to open up credit while in federal custody I'd imagine. Please I'm trying to start a good life and this just hurts me I had no idea these things could be on here
Consumer complaint received 2023-03-08
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

@ three years ago I purchased a XXXX XXXX bed with 36 months of interest free payments to be made. ( which I made on time with ACH payments from my checking account ) After 36 months of making all of the payments they are showing that I owe them a high balance remaining and say this is from some type of credit card protection fee. 
XXXX. I never had a credit card from them. ( Synchrony Bank ) XXXX. They say I " checked '' a box for this on my application. I never did. 
XXXX. I have literally spent hours on the phone with them and they keep saying they will look into it. Then they refer me to a different number where they then refer me back to the first number. 
XXXX. I am a XXXX year old veteran and need you assistance with this please. I do not want them destroying or damaging my credit rating. 

My latest communication with them : XXXX, Something to consider Inbox Synchrony Bank XXXX Unsubscribe Wed, XX/XX/XXXX, XXXX ( XXXX hours ago ) to me Account Ending In XXXX | Log In Let 's talk solutions Hi XXXX XXXX Your XXXX XXXX/SYNCHRONY BANK account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus XXXX. 
Current Balance Total Minimum Payment Due Due Date {$1300.00} {$280.00} XX/XX/2024 No login? No problem Click Here and Select Pay As Guest We're here to help XXXX Call us Weekdays XXXX XXXX.- Midnight Weekends XXXX XXXX- XXXX XXXX. ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

2024 Synchrony Bank XXXX XXXX Synchrony Bank, XXXX XXXX ( XXXX ) I have called numerous times to discuss the fraudulent charges that were placed on my account. It seems that nobody has cared to listen to the now " hours '' of time I have spent on the phone with you! 

Given your lack of attention to detail and the fraud that has been perpetuated on my account I am now in the process of filing a report with the Consumer Financial Protection Bureau. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXell XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2023 I deposited a check for {$10000.00} to my Bank of America account. 

Due to Bank of America 's error, the check was returned three days later ( XX/XX/XXXX ) despite being completely valid ( which was confirmed by the issuing bank ). 

On XX/XX/XXXX I called Bank of America and explained the situation but they refused to help me in any way. They told me to visit a branch for assistance. I visited a local Bank of America branch where they also refused to help me. 

Bank of America refused to credit my account or take any action to correct their mistake. This resulted in me being unable to access my money and violated their published policy on availability of deposited funds.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

The address is incorrect and I do not know how old addresses got reported in XX/XX/2022 to reflect as the correct address. 
The employment record and salary are not showing. 
The name on the report is also wrong.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had a CapitalOne XXXX sliver and my spouse passed away and I was unable to make to payments alone. It from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

Very recently I got a call from a man calling himself XXXX XXXX, an investigator saying I had recently sent a series of money payments to a XXXX XXXX XXXX in the XXXX and that XXXX XXXX had ties to a criminal organization. This was on my answering machine and XXXX XXXX asked me to call XXXX to discuss the matter. I did not call back. The next day I got 2 calls from men claiming to be with XXXX concerning the same issue asking me questions about my relationship with XXXX XXXX XXXX, I refused to answer, I told them to contact my local police and I would talk to them. The caller said, " it does not work that way '' but they could mail me identification papers, ( they had my mailing address. I ended the conversation at that time by hanging up on them. I called the Department of Treasury consumer line and asked if XXXX XXXX worked for them, I got a voice mail today saying he does not work for them. 

I do know of XXXX XXXX XXXX as he is the son of a friend of mine in the XXXX. I did try to send him money once thru Western Union but it failed because a transfer I tried to his mother failed as well. There is more to the story 's after math but that would be another case. The bottom line is Western Union had to be hacked and the scammers are still after me.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I had set a credit freeze for my Equifax credit report after hearing about the hack. I had lived in a different address at the time. I called a few years later to unfreeze my credit report for a mortgage. I had to verify my identity to do this. That is fine I am all for being extra cautious. The address I currently live at wasnt updated on equifaxs end. They locked me out of my online account as well. Thats very annoying but fine in the name of security. I to fax in my driver license and send in a cable bill to prove my identity. Also very annoying but fine again. I called as well and they grilled me on my credit history. All answers answered correctly and they assured me my credit was unfrozen and that my account with them online would be working. They said it would take about an hour to be activated. I check back in an hour and nothing is working. So I called back and they said the system is updating so call back. I have called and called and they keep coming up with many excuses to keep from having to deal with this issue. Im not sure what is going over there but after I have proven my identity I feel like they are just preventing me from getting my credit unfrozen unjustly. This has been going on for a few months now. I just cant get any strait answers from them. I feel like this is the only way for me to get any answer. If they need more identity verification then they need to let me know instead of keeping me in the dark and coming up with XXXX excuses to avoid giving me any answers.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. Auto Sales Inc. (FL)

I voluntarily had a vehicle repossessed from XXXX XXXX XXXX back in XXXX of XXXX. The account then was closed out on my credit report XXXX of XXXX as well. On XX/XX/XXXX the account started to reflect in my open/ current accounts on my credit report when the vehicle was and the status of the vehicle was closed and sold. Ive tried reaching out to the company using the information they provide the the Creditors and it is the wrong number. Ive Also have reached out to XXXX on SEVERAL OCCASIONS and even asked to speak to a manager, which then results in me being hung up on. At this point I am going to contact my family lawyer because by law the information reporting on a consumers credit report should be up to date and accurate.
Consumer complaint received 2023-03-07
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. (TX)

In accordance with the Fair Credit Reporting act USDOE/XXXX  account # XXXX, USDOEXXXX account # XXXX, DEPTEDXXXX account # XXXX, OR CHILD SUP account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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