davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2022 I received notice from XXXX regarding fraudulent activity at Bank Of America in relation to my identity. I called BofA and was transferred several times to various departments. The last woman I reached confirmed an account in my name and began trying to close it. She left me on hold for 3 hours and never returned to tell me it was resolved. Today is XX/XX/2022 and I received a new notice about fraudulent activity at Bank of America. It seems BofA does not want to help me. I am not a customer with BofA but this is my identity being used at their bank. I have been on phone for 3 hours and continue to get transferred to representatives who claim they can not help me because I must speak to another dept. I have spoken to 5 people today and there seems to be no end in sight. Bank of America seems to have no idea how to resolve claims of fraudulent activity as they continue to transfer me to the same departments which are located in different cities. These are unacceptable business practices and are a prime reason why I do not use banking services at Bank of America. Based on federal law, there should be clear cut ways to investigate and scrutinize any question regarding the validity of an account or the information provided to secure that account.
Consumer complaint received 2022-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I recently had a XXXX Credit Card closed by Capital One for the reason of " We are closing this account because we have observed activity on your account that is not consistent with our expectations of usage for personal, family or household purposes. '' on XXXX XXXX XXXX. I had a few dispute cases on the account, but it was small amounts, and one large amount. I feel treated unfairly as I have had 2 cards with them over the course of 1 year, built up better credit lines and they dropped both of my accounts for that reason, as well as having no proof provided to me.
Consumer complaint received 2022-05-31
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. (VA)

I have been disputing inaccurate information on my credit file with equifax since XX/XX/2022. Equifax has unverifiable information that is inconsistent across all three credit bureaus, and they are refusing to investigate my claim. I forwarded to Equifax on XX/XX/2022 certified return receipt with signature proof delivery. Equifax representative received my dispute on XX/XX/2022. The tracking number is XXXX. Equifax received the below dispute regarding how they can report inaccurate information on me, that is defaming my character. I forwarded the below documentation to Equifax, and equifax closed the dispute on XXXX XX/XX/2022, and dismissed my dispute as frivolous. I am showing equifax that their information although has been investigated, that the information that is reflected on my credit report is INACCURATE. According to the CFPB and FCRA credit reporting agencies must report accurately all information regarding the current status of accounts, or it can not be reported. I have shown equifax what is inaccurate that is coded via their metro 2 compliance software. Additionally, equifax has decided on the four accounts that are being disputed to a ) report multiple charge offs which is inaccurate for a single account, 2 ) they refuse to report the good payment history that was established with the disputed accounts, and only will report late payments and charge offs. This is defimation of my character, and I am going to be filing a complaint with the XXXX and the attorney general of texas in tandem with this complaint. 

Equifax is breaking the law and only is reporting inaccurate negative information, and none of these accounts show positive payment history. This information is inaccurate and is not in accordance with the FCRA. Equifax needs to fix this immediately. I am following up with this complaint with the Texas AG.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MD)

I have made multiple attempts asking Experian to stop reporting incorrect information on my credit report. XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. Here are a list of accounts that has been placed on my credit report that has violated my consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (SC)

Dispute of unauthorized information reporting Under 15 USC 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (AZ)

XXXX XXXX XXXX consumer report alerted me that a company called XXXX XXXX XXXX reported a collection account on my credit report. A representative of XXXX XXXX XXXX said services were taken in XX/XX/XXXX and ended XX/XX/XXXX. Again I do not live in the great state of Texas. This fraud and identity theft caused a negative mark on my credit report and my standing in the community. I have notified XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

hi, paypal blocked my account without any reason. 
i have balance in my account and i made purchase with my debit card. 
now i received a email that my account was permanent close and my money is hold again for 180 days. 
i never had any dispute or chargeback in my account, and now i cant use this account but i need my money. 

PayPal. ( Id. de XXXX my emaill XXXX XXXX
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to " late '' thereby affecting my score.
Consumer complaint received 2019-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

My consolidation loans with FedLoan servicing is incorrectly showing a past due balance. I have reached out to FedLoan three times and the issue has not been resolved. My payments have always been on-time, in full, and never late. 

My account is on the REPAYE program and was properly recertified. In XX/XX/2019, i returned to school ( XXXX and XXXX XXXX - LLM ) and took out an additional GRADPLUS loan. Without my knowledge my consolidation loan was put into deferrment. I filled out a form to undefer the student loan. I continued to make all payments during this period. The deferrment was taken off ; however, it now shows a past due balance even though all payments have been made. I believe the issue is how Fedloan servicing applied my payments. I did not " target '' any loans, again, I did not " target '' any loans. 

I demand that Fedloan servicing fixes their error, properly credits my payments, and returns my account to a good status.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My mortgage from Bank of America was sold in XXXX to XXXX XXXX. In late XXXX my score decreased by 75 points and when I looked to see why I show Bank of America reported my XXXX payment late. I contacted them directly and they disputed the information on my behalf on XX/XX/XXXX. I was then sent a letter from them that the information is accurate and dispute was closed. I contacted my current mortgage company and got a copy of the letter of transfer and also my payment history. I called Bank of America again and they agreed it was an error and opened another dispute XX/XX/2019 and again once they were contacted by XXXX  they reported accurate. I've tried twice now to dispute and go through proper channels but they keep disputing the issue on my behalf and then disputing their own dispute.
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though Infiniti XXXX XXXX XXXX authorized the vehicle for resale after replacing defective parts. Infiniti is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions, the sales manager contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon Infiniti  XXXX  XXXX XXXX.
Consumer complaint received 2022-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit Reporting Act XXXX account 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. A Consumer support agency can not furnish account without my written instructions.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (NJ)

On XX/XX/2022, Credit Systems Inc. IN reported a collections account to XXXX. This account was a XXXX XXXX utility bill from Texas. I have never opened accounts or lived in Texas. Not this account is posted as being a collection account, destroying my credit. I have contacted XXXX and XXXX XXXX, reporting my stolen identity/social security #. 

XXXX XXXX XXXX XXXX {$540.00} Acct. : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX Texas XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
Capital OneXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 
Capital OneXXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my XXXX, XXXX and XXXX credit profile and being reported to credit services who profit of old information.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have tried MULTIPLE TIMES to get ahold of NELNET. I am being told I have paid and I haven't paid and that my payments are overdue and that I am set up for AUTODEBIT. NELNET IS STILL SAYING IM OVERDUE. NELNET is adding interest and telling me that I am NOT paying. I would like to pay my student loans and I would like to find a service provider who is actually good at customer service! I AM LIVID. My next step will be getting a lawyer. Thank you
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

XXXX XXXX collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy. Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with XXXX, Equifax, and XXXX.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (WA)

I paid cash ( {$19.00} ) for a pair of shoes at XXXX XXXX in XXXX, Oregon on XX/XX/2022. My account at the store is XXXX since I paid directly for the shoes. The cashier signed me up for a in-store credit card to give me a discount on the shoes. 

A month later I got a bill for a {$20.00} late fee for an " unpaid interest charge {$2.00}. This was very confusing since I had already paid for the shoes at the store. I paid the {$20.00} late fee then closed the account. The following month I got another bill for {$41.00} in late fees. I have been getting daily calls from Comenity Bank regarding this bill. I have tried blocking the robo calls, but they continue from numbers indicating " No Caller ID ''. 

I wrote to the XXXX XXXX XXXX  about this, suspecting it was a scam/fraud. Today I received a bill for {$120.00} for late fees on a XXXX balance. The bill for {$120.00} included a statement, " As you requested, we have closed your credit card account. A monthly billing statement will be sent until the balance is paid in full. '' I did learn from the XXXX XXXX XXXX that Comenity Bank is not accredited by them and they can not resolve my complaint.
Consumer complaint received 2024-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Statebridge Company (PA)

In XXXX I purchased my current home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX My mortgage was issued by XXXX for $ XXXX, and a HELOC was issued for XXXX. During the first year of mortgage I sent a letter requesting the HELOC be canceled ( see Attachment ). I refinanced the same home again in XXXX, again with XXXX to secure a lower rate and again a letter was to cancel the HELOC. In XXXX, I receive a letter from a company, XXXX XXXX requesting a payment in the amount of XXXX, to settle a mortgage debt which I have never taken out a mortgage with said company. So in XXXX, a Sheriff 's sale was filed and scheduled for said amount to which my only recourse was to file a XXXX XXXXXXXX. After the filing I completed the chapter and was discharged as satisfied and all creditors were paid as arranged. I am now once again facing the same action ( Sheriff 's sale ) by Statebridge company XXXX for the same amount as previously stated XXXX, plus interest and Attorney fees for a total of XXXX. I am attaching all the related documents. I am again forced to file bankruptcy due to the same tactic as previously stated but this time by another Company who I have no Mortgage agreement with or knowledge of who they are. The sheriff 's sale states that a XXXX XXXX XXXX XXXX filed the request. A previous compliant file through the CFPB, resulted in XXXX sending a correspondence that they have no knowledge or beneficial interest in my home ( see attachment ) so why is my home in a Sheriff 's sale if they did not file the request. Also does the Statute of limitations possibly apply in this situation..
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX B XXXX XXXX XXXX VA XXXX
Consumer complaint received 2019-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I have paid the money for the ticket to the concert to a person via PayPal, but he has never sent me a ticket. He is a scam and fraud. I want to request a refund, but PayPal doesn't provide refunds on those transactions. The transaction was on XX/XX/XXXX, the amount is {$42.00}.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Columbia Collection Service, Inc. (OR)

Columbia Collections company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to Columbia Collections ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, XXXX & XXXX ), the accounts still show as open.
Consumer complaint received 2022-05-31
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: DISCOVER BANK (CA)

" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2019-10-18
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: DISCOVER BANK (NJ)

My Discover credit card account was removed from all three credit bureau due to identity theft however within 30 days XXXX  put the item back on my credit report without even notifying me, which is a violation of the FCRA because this item is now back on my credit report, my Fico score has dropped 87 points
Consumer complaint received 2023-10-17
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. 


Account XXXX : XXXX Account Number : XXXX has violated my rights. Or 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.