davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (CA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA 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$0.00}.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I noticed unauthorized inquiries on my credit report, called the bureau & was told that the account is accurate. 
According to the FCRA these unauthorized and unverified items must be removed. Ive sent paperwork and proof of my identity & they still refuse to delete items
Consumer complaint received 2024-02-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy federal allow a garnishment from my daughters savings account. The garnishment was actually illegal and now they will not release the money telling me it will take several weeks to release. I don't want this bank anymore and I am waiting for the money to be released so I can close all accts. They have allowed my bills to not get paid and I do not want to be a customer anymore
Consumer complaint received 2023-07-07
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. (NE)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

During XXXX and XXXX, I entered forbearance plan with XXXX XXXX XXXX. However, during this period, my XXXX XXXX XXXX still reported to Credit Bureau as late payment for 17 months. 

I have tried to resolve this issue with XXXX XXXXXXXX XXXX since XX/XX/XXXX. However, the mortgage lender has been refused to adjust my credit report. 

Please help! 

Thanks,
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent letters to all credit bureaus and creditors in may in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is XXXX XXXX XXXX and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir/Madam, I am writing to file a formal complaint against Bank of America regarding an issue with a XXXX transfer XXXX We both use Bank of America 's XXXX to send each other money. Bank of America 's XXXX sent confirmation text but the fund never deposited. The details of the complaint are as follows : 1. **Transaction Details** : - On XX/XX/XXXX, a XXXX transfer was initiated from XXXX XXXX XXXX Bank of America Account to XXXX XXXX XXXX Bank of America Account for {$1500.00}, which was successful. 
- On XX/XX/XXXX, a XXXX transfer was initiated from XXXX XXXX XXXX Bank of America Account to XXXX XXXX 's Bank of America Account for {$1500.00}. Although the funds were deducted from XXXX XXXX XXXX Bank account, the money was not received by XXXX XXXX. The text message from Bank of America shows it was sent on Thu, XX/XX/XXXX at XXXXXXXX XXXX : " BofA : XXXX XXXX sent you {$1500.00}, '' so it is evident that the money should have come back to my account, but I do not have the funds in my account. 

2. **Issue Description** : I initiated a XXXX transfer on the date mentioned above, as confirmed by the XXXX confirmation text. However, the funds were never deposited into my bank account, and the XXXX transfer shows reconciled not cleared, also there was no notice of any time limitation or dispute timeframe provided during the initiation of the transfer. 

3. **Contact with Bank of America** XXXX - Visited XXXXXXXX XXXX XXXX BoA Branch on XX/XX/XXXX. I was redirected to call XXXX. However the customer service said the sender, XXXX XXXX has to call them not me. 
- XXXX contacted Bank of America 's customer service to report the issue and request assistance on XX/XX/XXXX. A case number was filed. XXXX - XXXX informed me on XX/XX/XXXX, BoA is unable to approve the claim because the date of your dispute in the amount of {$1500.00} fell ouside the dispute timeframe. 
- I, XXXX XXXX visited Bank of America branch in XXXX XXXX and filed XXXX, And Bank of America responded by stating that the dispute fell outside of their dispute timeframes, which I believe is an unfair resolution considering that the funds were never received. 

4. **Evidence** : - XXXX Confirmation Text - XXXX  conf XXXX XXXX ; ( XXXX to XXXX ) - XXXX conf XXXX XXXX ( XXXX XXXX  XXXX ) 5. **Desired Resolution** : I am seeking a full investigation into this matter and request that Bank of America locate and credit the {$1500.00} to my account as initially intended. Additionally, I would appreciate clarification on any time limitations for XXXX disputes and more transparency in the dispute process for customers in the future. 

I would like to request the CFPB 's assistance in resolving this matter and ensuring that I receive the funds I am rightfully owed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (AL)

I recently obtained a copy of my credit report and noticed that there was some unauthorized inquiries on my report that was not given with my written instructions. Those Inquires listed below 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 2022-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

Comenity bank issued me a low balance credit card for Torrid, which is fine because it's easier to use/pay/repeat. Comenity bank recently updated my available credit after payments, and would not allow me to use the available credit. First telling me I was late until I pointed out that I don't carry a balance as I pay each pur have when it's available to do so. All the reps and the supervisor would do is quote a non public policy of having to wait 10 days between making a payment before the card can be used. I read the t & c which don't state anything about this, I even read through them again while I was on the phone in case they were updated. Comenity couldn't tell me where to find this information publicly either. I also pointed out I have used the card, paid it, and used it again once the balance updated. All they would do is quote a policy I am unable to view publicly.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS XXXX  ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR XXXX  YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY XXXXLOANS ETC. I ALSO FILED A XXXX REPORT AND HEARD NOTHING BACK
Consumer complaint received 2022-06-19
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. (KS)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-11-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I disputed the debt. The account was opened with XXXX XXXX In 2012. I contacted the agency to make payment agreement. Portfolio asst. said the only take checking or savings account. Also, This company falsely reported to XXXX that this a new debt and it brought down my credit score by XXXX. The Supervisor told me its because I disputed the debt. I never disputed with XXXX it was on the credit report he told me to pay my bills on time very disrespectful man
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (AL)

XX/XX/XXXX PenFed Credit Union XXXX. XXXX XXXX XXXX NE XXXX Reference : PenFed XXXX XXXX XXXX card ending in XXXXimproper application of payments To Whom It May Concern : After reviewing my credit card statement ( s ) and speaking with numerous representatives at PenFed, it is my belief that you are not only improperly applying payments but also blaming government regulations for requiring you [ PenFed ] to apply payments in this manner. 

For instance, on the above stated credit card account, the following balance transfers were made based on a 0 % promotional financing offer : XX/XX/XXXX {$4700.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$5500.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$2900.00} 0 % Promo expires XX/XX/XXXX Being that the first two balance transfer promo rates expires on XX/XX/XXXX, I have been paying large payments to get those paid off. Unfortunately, for some reason that NO ONE at PenFed has yet to explain after numerous calls and sitting on hold for excessive periods of time, the payments are being applied to the XX/XX/XXXX balance transfer rather than the soon-to-be expiring XXXX promo expiration amounts. 

My understanding of the regulations that your employees are quick to blame are that payments should be applied to highest rate items and then to promotional balances if a payment is made that exceeds the minimum payment. Basically, the principal is that the consumers payments are applied in a manner most advantageous to the consumer. Even if that is not the case, why would PenFed take the most egregious method to the consumer to apply large payments to a promotional balance that expires 7 months after the promotional balance that I will soon be penalized for not having paid off before the 0 % expired? 

I do expect an answer and I would encourage a more thorough training program for your employees so that proper remedies or explanations can be provided to your customers. A simple the government makes us do it that way may work for some but it doesnt for me. 

Further, when a customer calls with a complaint or issue with their account ( s ), it should be escalated per the regulations that are quickly blamed versus telling a customer it will be checked in to and then nothing happens. 
I can be reached at XXXX or XXXX. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: I.C. System, Inc. (FL)

I discovered an unfamiliar company on my credit report that I have no knowledge of. On XX/XX/2023, I sent a detailed letter explaining that I don't recognize the account and as a business owner, I'm facing denials due to this issue. I simply asked the company to validate the debt with me. Unfortunately, it seems like they don't care about my situation, as they haven't communicated with me at all. I haven't received any emails or letters from them, which is concerning and not fair.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (CA)

Over the last few months, I have disputed a fraudulent account on my credit report in the name of XXXXXXXX XXXX. I have never opened any type of account with XXXX XXXX nor did I ever authorize the opening of such account or any transactions afflilfated with that account. Each time I have disputed this account, I have not received any correspondence from XXXX XXXX and the both XXXX and Experian have come back and validated the account with providing me all the required documentation and evidence I requested in order to property and legally validate the debt under my name and social security number. This account violates the Fair Credit Reporting Act by reporting a fraudulent account without my consent, knowledge, or authorization to my consumer credit reports. XXXXXXXX XXXX  has not sent me original contract with my wet-ink signature, all the statements with transaction history. the method of account opening, or any other evidence to validate this debt. This account does not belong to me as I have been a victim of identity theft which I have stated to all the credit reporting agencies so that they know the exact context of my dispute. Its been several disputes that have came back verified and it says they are meeting FCRA requirements, however each time I dispute they change the reporting on my credit reports. One month they change the statement, then the amount due, then they say its a charge off. Then it says profit and loss write off. They are simply executing delay tactics and blatantly violating FCRA rules and regulations. This account needs to be investigated thoroughly and my identity theft dispute taken seriously. I will not back down from these violations and obvious manipulation of the credit laws put in place to protect consumers like me that have been wronged and the company mishandling both the reporting of a fraudulent account and the improper investigations being conducted.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone forged a check with an invalid check number and my bank ( B of A ) cleared it. The check was for {$2500.00} to one of my employees for my business. My employee called his bank to tell them that it wasnt his doing and return the funds. Also the highest check # I have is XXXX but the forged check was XXXX. My complaint is that Bank of America cleared an obviously invalid check without a single security measure to avoid this and when I called them about it, I was on hold for an hour and a half only to be patronized by a sassy lady that didnt want to help me. I went to a branch near me and they said I can only resolve this issue through a call, which is complete XXXX. It is clear that {$2500.00} was taken out of my business account and I was not notified of any suspicious activity/reimbursed for the amount. Their website has no option to report a problem other than changing my security questions and login info which clearly isnt effective enough to keep peoples wealth safe. Unless BofA takes immediate significant action for the major XXXX on their part, I dont feel safe knowing that anyone can easily forge a check to take money from me.
Consumer complaint received 2022-11-07
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. (NY)

In XXXX XXXX XXXX I experienced life changing complications due to XXXX XXXX ( see proof of XXXX XXXX XXXX XXXX  ) and was unable meet a lot of my financial obligations on time. After fully recovering, I was informed by church pastor that credit card companies were providing customers who experienced financial hardships due to XXXX, accommodations to remove the late payments under the CARES act. 
In XX/XX/XXXX I contacted both my credit card companies XXXX XXXX  XXXX and XXXX ) and explained to the representatives that during the time the payments were due I was severely ill with XXXX and unable to fully function on my own and asked would they provide me a courtesy to remove the late payment from my consumer report due to me being ill with XXXX. 
Both companies ( XXXX XXXX and XXXX ) agreed to remove the late payment from my consumer report. XXXX XXXX  sent a letter to all three consumer reporting agencies immediately requesting to have my payment history corrected and updated ( see proof letter from XXXX XXXX to consumer reporting agencies ) and XXXX even sent me a check in the mail to refund me for the late fees that I was charged due to the late payment, because once the late payment was removed It would be impossible to still charge me late so they refunded me the late fee I was charged. ( see proof of refund of late fees ). Although XXXX ageed to remove the XX/XX/XXXX late payment from my consumer report, and also refunded me the late fees associated with the late payment from XX/XX/XXXX they are refusing to update my consumer report to reflect the changes they made to my account by providing this courtesy adjustment accommodation. I have notified XXXX on numerous occasions of their legal obligation to adhere to the FCRA/CARES ACT section. 4021 CREDIT PROTECTION DURING XXXX. 
How is it humanly possible for XXXX to make a " courtesy adjustment '' by waiving a late fee directly related to the XX/XX/XXXX late payment, and then state that they stated they will update my account to reflect the adjustments made, but then refuse to update my consumer report also. They made changes to my account directly related to thta late payment information. 
At this point this is not only blatant disregard for me as a human being but also for my rights as a consumer, and the laws that have been put in place by CONGRESS to protect those that have been impacted by XXXX during these tragic times. Please assist in enforcing the law and rectifying this ongoing issue. 
I want this negative late payment from XX/XX/XXXX deleted from my consumer report. And i want XXXX to pay me {$1000.00} for violating my rights and willfully non-complying with the FCRA / CARES ACT.
Consumer complaint received 2024-02-20
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. (GA)

I am writing to dispute the information on my credit report regarding an account from the US Department of Education, account number [ XXXX ]. According to my records, this account has been erroneously reported as having XXXX late payments, despite being charged off. As charging off an account typically signifies a lender 's acknowledgment of non-payment, the presence of late payments after this event is contradictory and suggests a violation of reporting standards. 
I have previously disputed this account multiple times without resolution. Despite my efforts, it appears that the account status remains unchanged, and there is no indication of my previous disputes on my credit report. This lack of acknowledgment of my dispute is concerning and represents a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I request complete and accurate account level documentation regarding the aforementioned account. It is imperative that I receive all relevant information pertaining to this account to facilitate a thorough review. I also request that this account be marked as disputed on my credit report to reflect the ongoing dispute process. 
Failure to provide the requested documentation within 15 days, as mandated by federal law ( 15 USC 1681n ), will result in the immediate deletion of this account from my credit report. I remind you that compliance with the FCRA is not optional, and any failure to adhere to its provisions may result in legal action.

Additionally, I am asserting my rights under the FCRA ( 15 USC 1681e ) regarding the credit reporting agencies ' obligation to conduct a thorough investigation into disputed accounts. Any deficiencies in compliance procedures will be considered a violation of my consumer rights. 
In conclusion, I expect prompt action on this matter and a timely response to my request. Your cooperation in resolving this dispute is greatly appreciated