davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (SC)

Nelnet bought out the company that issues/holds student loans in the state of SC. When they bought out the company, they had an old address and phone number for me. Any auto debits that were set up with the old company did n't transfer to Nelnet. The y ended up having me as 90 days past due when I had no idea that they owned my loan now. I called to settle this once I saw it on my credit report, and they had no problem giving me a forbearance and bringing me current, but refused to remove the hits on my credit ( which was  XXXX  separate loans ) because they said they sent letters and call ed ( even  though they had the address and phone number wrong ).     I 'm a veteran and am trying to secure a VA loan for a house, and this hit to m y credit score is making it difficult.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My email got hacked as well as my XXXX and my XXXX XXXX {$1.00} dollars was drained from my bank account I alerted my bank to file a dispute but they declined my claim, Im at the risk of being evicted from my apartments because of this and I dont know what else to do
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with your company. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. 

I kindly request a response to this letter within the exact timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue.

I value the business relationship I have with Credit Bureau and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship.This is the accounts needs to be corrected : XXXX XXXX XXXX : {$20000.00}.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
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: TD BANK US HOLDING COMPANY (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act NORDSTROM/TD BANK USA XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term ofimprisonment of 2 years. 
An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
YOU XXXX, EQUIFAX, XXXX have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
List Account/s here : Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached all the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX  Attorney Generals Office in your state and Mine Thank you, XXXX XXXX FTC reference number XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX was charging me for a phone i never received and a phone line i cancelled and never used. they investigated and validated my claim. i was told i do not owe a balance as i never rendered service. my Equifax business credit report is still showing i owe and my account delinquent for multiple months. i need this information updated that i do not owe a balance and all delinquency and inaccurate information deleted and removed from my credit report/profile. this is all false and inaccurate information. 
the telephone number associated is XXXX ticket numbers are XXXX and XXXX account number XXXX order number XXXX tracking number XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (DC)

My account has been opened for roughly 4 months. 4. Thats it. I heard how you guys handle other customers accounts so I stayed cautious and decided not to keep my money in the account. Any time I received cash i transferred it out in case something like this happens. You can go through every single transaction and see any time I receive cash, from my mother btw, I would cash it out. Every single transaction, with the exception of some minor purchases. Or on the rare occasion I use the app to send money to friends. And today I received notification that my account was closed. No explanation, nothin. I contacted customer service and even they couldnt tell me whats up, and had to transfer me to an another team, who I have to wait a month to hear from. You guys cant have this app that is used for convenience and not have great customer service, because we then have issues like this, where your customers XXXX XXXX XXXX XXXX XXXX dont even care. I am not the first this has happened too either, there are thousands of others who get their accounts closed, albeit some actually did break the rules, but a good chunk use the app correctly. If you guys can continue to brush urgent matters like this involving your customers to the side I dont see any reason people should continue to use your app. My account was closed, for absolutely no reason. Not a single rule was broken, Im so positive in that regard I would go through every XXXX transaction myself and show you. People, be very very careful dealing with cash app.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/, IT WAS BROUGHT TO XXXX XXXX XXXX ATTENTION, THAT HIS CAPITAL ONE 360 BANK ACCOUNT WOULD BE RESTRICTED, AND HE WOULD UNABLE TO WITHDRAW CASH FROM ACCOUNT. AS STATED IN A EMAIL AND ONLINE ACCESS TO MY ACCOUNT : YOUR FUNDS ARE CURRENTLY NOT AVAILABLE FOR WITHDRAWAL. PLEASE CONTACT US AT XXXX. 
ON XX/XX/ HE DEPOSITED XXXX CHECKS : XXXX CHECK FOR {$60.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 
XXXX CHECK FOR {$850.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 
BOTH CHECKS HAVE CLEARED THE BANK THAT THEY ARE DRAWN UPON. AS OF TO DATE MY ACCOUNT HAS A BALANCE OF {$910.00}. 
XXXX XXXX XXXX ATTEMPTED TO CONTACT PHONE NUMBER XXXX, AND LEFT A VOICE MESSAGE TO THAT ASSOCIATED NUMBER GIVEN TO HIM ON HIS ACCOUNT INTERNET WEBPAGE. XXXX XXXX LEFT A TOTAL OF XXXX VOICE MESSAGES FROM THE DATES OF XX/XX/2023 TO XX/XX/2023. UNFORTUNATELY NO REPRESENTATIVE OF CAPITAL ONE BANK ACCOUNT HAS RESPONDED TO HIS VOICE MESSAGES. XXXX XXXX ALSO HAS EMAIL SEVERAL EMAIL ACCOUNTS WITH CAPITALONE.COM ADDRESS TO IT. THERE HAS BEEN NO EMAILS ADDRESSING THE SITUATION OF XXXX XXXX RESTRICTED CAPITAL ONE BANK ACCOUNT. 
SINCE XX/XX/ TOXX/XX/2023. XXXX XXXX XXXX HAS NOT BEEN ABLE TO ACCESS HIS FUNDS THAT ARE CLEARED AND RIGHTFULLY HIS MONEY TO WITHDRAW AT HIS DISPENSE. 
CAPITAL ONE 360 BANK ACCOUNT HAS BEEN RESTRICTED. UNDER THE NEVADA REVISED STATUTES THE HOLDING OF CASH IN A DEPOSITED ACCOUNT THAT THE CHECK HAS CLEARED. THE FUNDS TO BE AVAILABLE PER DATED THAT IS FULLY DEPOSITED. CAPITAL ONE 360 BANK HAS VIOLATED THAT LAW. BOTH STATE AND FEDERAL LAW. 
UNDER THE : Comptroller of the Currency XXXX of National Banks Does the bank refrain from delaying funds avaiility beyond a reasonable time period? [ 12 CFR 229.13 ( h ) ] NOTE : An extension of up to five days for local checks and six days for nonlocal checks is considered reasonable. 
I HAVE TRIED MY BEST TO COMMUNICATE WITH CAPITAL ONE BANK 360 CHECKING ACCOUNT. I HAVE LEFT SEVERAL MESSAGES AND VOICEMAIL AND FAX 'S TO CAPITAL ONE BANK AND GET NO RESPONSE BACK FROM THEM.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

Okay I was trying to get a loan with this company I was banking with Wells Fargo at the time they tricked me into getting my information so they can put fake deposit checks on my account they also told me to verify that the money sent so they told me to XXXX XXXX then right then and there I should known it was fraud but I never thought of it like that I thought it was a legit company so days letter Wells Fargo email saying that the checks that was put my account was bounc checks and I never knew that they was going my account to do that I called for a XXXX dollar loan
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I received an ACH deposit from taxes. Account access was immediately blocked and put into closure account has still not been completely closed almost 30 days later, not my Checking or Savings account! I want to end all relations with this banking constitution and receive my funds in full! I have contacted the XXXX  and filed complaints. This is causing me financial hardships and unnecessary havoc in my life. The funds are mine, in my name, into my account ; from a legit constitution, I do not understand why I am still being blocked from access to all of my funds!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX : {$390.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (PA)

I spoke with some one from XXXX XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2017-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Trust Cash, LLC (OK)

XXXX   XXXX  called and left a message misrepresenting themselves as  XXXX   XXXX  for the civil litigation dept and that I will be served papers within 5 days. I called them back asking for  XXXX   XXXX  and the woman that answered the phone started asking questions and I told her that I have an attorney handling my debt consolidation and told her when I would be home next week to have the papers delivered so that I can forward them to my attorney. She then hung up on me
Consumer complaint received 2023-08-14
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: ARS National Services, Inc. (MS)

This complaint is filed against ARS National Services for unlawfully obtaining my XXXX consumer report on XX/XX/2022 without my authorization or a permissible purpose under the FCRA. Im aware the FCRA allows consumer reports to be obtained but only per 15 USC 1681b. 
I have not initiated any transaction with ARS National Services. Furthermore, I do not have an account as defined under 15 USC 1693a ( 2 ) with ARS National Services, for review or collection.

I sent ARS National Services a certified letter via USPS with tracking XXXX XXXX XXXX XXXX XXXX, which they in fact did receive. I have enclosed a copy of the signed PS Form 3811.

Im demanding this company provide documentation supporting their permissible purpose for obtaining my XXXX consumer report.
Consumer complaint received 2024-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU (CA)

In XXXX this company Creditors Bureau USA contacted me about an alleged group of " accounts '' from a doctor 's office. I sent them proof that I paid my copay through XXXX and that XXXX sent the balance owed to them. Months went by - I heard nothing. Today I received a letter stating that the original doctor 's office said they never got the payments ( Which is convenient because XXXX told me that the payments were never cashed and gave me back my money last month ). They also told me they'd be imposing interest but wouldn't provide me with the agreement showing the agreed-upon interest rate as there is no judgment in this matter. They told me they're free to charge whatever interest rate they want and there is no law prohibiting it and that they do not have to disclose this interest rate to me.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

On XXXX I XXXX  chime to see why in my chime app it had said card delivered but when I checked my mail i never received it so that is when I dialed XXXX the number on XXXX with the chime logo XXXX etc, ,THEman answered & said hello this is XXXX how can I help u, I then informed him that my card said it arrived but I never received it so he then stated I would need to do a secure verification where I send the funds to the secure account & then the fund would go automatically to my temporary card that they send u virtuall.I was under the impression I was talking with a chime representative, I have direct deposit thru chime for my paycheck this is my 4 year with them this is absurd.I disputed it 4 times to get the same run around & the last time I asked to speak with a manager or supervisor he got on the line & stated no customers never receive the money back like I thought that was very unprofessional I would never to business with chime after this nor will I recommend then to any one
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX