davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When pandemic unemployment was authorized via the cares act, I was told I would qualify so I applied, was approved, and so I certified for the weeks, and bank of America mailed the funds via an XXXX card to an address in XXXX, ca. I was homeless in XXXX at the time. 
Someone at the XXXX address opened my mail, put a pin on the card, and proceeded to withdraw and spend the entire XXXX dollars. When I finally received the card, there was only enough money left to buy a burger at XXXX. 
Throughout the past entire year,. I have made numerous calls, filed the required police reports, filed the required claim numerous times, faxed all of the required documents and information to bofa fraud dept., And have gone into bank of America and shown " proof of my identity '' to bank personnel with bank of AmericaXXXX on the phone and speaking to the branch employees. 
I continue to get excuses from bank of America, which is extremely frustrating because the funds on the card are Federally Insured. Bank of America continues to give me additional tasks to do, but fails to give me one cent of the XXXX dollars I am owed. I have attached copies of the most recent Fax to the big a claims dept sent on XXXX and faxed again on XXXX XXXX. XXXX. XXXX XXXX
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (CA)

There is an item from XXXX XXXXXXXX XXXX on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX XXXX and Equifax are reporting these unauthorized inaccurate accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I did not give consent to any entity to disperse any personal or financial information to any other institutions or orginizations. These were posted to my credit report illegaly and vilolation of the law. these need to be removed. 

Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXXXXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX XXXX. Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX XXXX on my consumer report ; I do not own this account and it must be removed immediately.
Consumer complaint received 2023-05-02
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. (CA)

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 XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Consumer complaint received 2021-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

I tried to make a payment to my Federal Student loan through my loan service Nelnet. I tried to make payments on three different occasions : XX/XX/, XX/XX/, and XX/XX/. All three times my payment was returned becasue, according to Nelnet, the " payment could not be processed by your financial institution. '' I called my banks ( I used two separate accounts at two separate institutions to try to make the payments ) and neither one of them had received a request for payment from Nelnet. 

I tried to call Nelnet to handle the situation on XX/XX/XXXX and XX/XX/XXXX. I was not able to reach a customer service representative after 3 hours of hold time. I also emailed them on XX/XX/XXXX and received an automated message stating that Nelnet was not able to answer my email. 

I am concerned this will lead to late fees. Hoping the CFPB can help resolve the issue.
Consumer complaint received 2023-02-05
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, and Experian have failed to provide any proof at all of validation of the accounts below according to federal consumer laws. 

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 XXXXXXXX, has violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-05
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. (TX)

final notice The information listed below are inaccurate and incomplete. The presence of these information on my credit report is damaging me and defaming my character and must be removed. I respectfully ask that these accounts be and removed from my file and blocked for the final time. 

My name is XXXX XXXX XXXX XXXX and this is the only name i want on my credit report, Kindly delete the following names 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 XXXX XXXX My Address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, Kindly delete the following addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Find attached my Id card and ssn card as proof. 

I have informed you by mail and its passed 30 days, i here by give you 15 more days to delete this inaccurate information off my credit file.
Consumer complaint received 2021-07-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXPORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NV)

I Provided ALL THE INFO AND DOCUMENTS REQUIRED FOR MY IDENTITY VERIFICATION, yet my : " Identity Verification is currently being reviewed '' NOBODY is looking at the ID I uploaded to simply confirm my Identity. 

This is causing your system to ask for a wire transfer ( which is used for bank ownership verification in those instance were the customers is unable or choose NOT TO use your Instant PLAID verification system ). 

I SUCCESSFULLY USED PLAID as Bank Verification System and AS your systems tells me I am CLEARED for ACH transfers to/from that account ... ....

I can not indeed proceed because my " Identity Verification is currently being reviewed '' which causes your system to wrongfully think I need to complete the MANUAL bank verification OVER WIRE. 

I COMPLETED The AUTOMATED Bank verification Over PLAID and that WAS A SUCCESS. 

YOU DIDN'T CLEAR MY ID ( nobody looked at the uploaded ID ). 

READ BEFORE ANSWERING other Absusrdities! 

I AM NOT ASKING FOR HELP TO VERIFY MY BANK, THAT I DID OVER PLAID I AM ASKING YOU TO WORK MY ID DOCUMENT IN your system and complete the review OF MY IDENTITY VERIFICATION - NOT MY BANK VERIFICATION THIS IS NOT ABOUT BANK VERIFICATION THIS IS ABOUT IDENTITY VERIFICATION - check and approve the UPLOADED ID!! 

XXXX
Consumer complaint received 2023-05-02
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 investigated my credit report, I realized that some of the information was erroneous. The 3 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 items 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 item/accounts/information 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
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KY)

I purchased goods from The XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$970.00} on XX/XX/2021. Not all of the goods were delivered. The merchant is nonresponsive, the company is in bad standing with the Kentucky Secretary of State, and XXXX reports that the business is permanently closed. Accordingly, I assume there is no valid and collectible warranty on the portion of the goods I did receive, and I am requesting a chargeback of the entire amount of {$970.00}. Citi has refused to process the chargeback and displays an error when I try to initiate one. Please see attached information.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (TX)

Called up to make an important bank transfer. For context I can only contact banking over the telephone. First time I had to hang up because it was just impossible to hear over the phone. Second time I was forced to hang up because he says he kept acting like they couldnt hear me and eventually the phone went silent. And the third time I called up they said they were closed for the day. I can not balance my books without internal transfers. Internal transfer it can only be conducted over the phone. I cant even tell if a paycheck has cleared the bank or not. And I will not download their app just so they can avoid having to pay a paycheck
Consumer complaint received 2023-02-05
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. (FL)

XXXX  to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You OR XXXXT any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices.

You, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
account ending in XXXX. 
I was never late on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (NC)

These hard inquiries I do not recognize or have not been authorized by me. 

XXXX XXXX XXXX XXXX XXXX, XX/XX/23, XX/XX/23, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Collection account XXXX XXXX I had a lease with XXXXXXXX XXXX ( unit # XXXX ) in XXXX and then removed from the last lease I believe by XX/XX/XXXX. I attached the email from XXXX XXXX ( the creditor ) from XX/XX/XXXX they confirmed ( via voicemail and email ) they requested the account to be removed from collections since I was no longer on the lease and wouldnt be charged. 

I have been calling the creditor for over a month now ( XXXX XXXX ) which is now under new management XXXX XXXX XXXX XXXX in attempts to have them contact the collection agency and have my name removed from this collection. I continued calling XXXX and sometimes multiple times a week hoping to get someone to look into my account, I kept being told someone would contact me but I never received a call back until about a month of continuous calls they stated they couldnt find the records for this account as they were boxed away given the new management merge and theres nothing they can do for me. 

This issue had originally been resolved with the prior management staff, the email and voicemail have been provided and must be honored as this is NOT my debt.
Consumer complaint received 2020-01-06
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. (TN)

I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am 120 late. From my understanding of the law, this is impossible to be 120 late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.
Consumer complaint received 2023-02-05
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. (IL)

PLEASE SEE ALL ATTACHMENTS On XX/XX/2022, I submitted complaint ID : XXXX. I have attached my original complaint, identification, and identity theft report, again. 

Experian has failed to meet their obligation of federal law. In accordance with 15 U.S. Code 1681c2, I have provided all of the information required. Experian has failed to block and delete ALL the identified information resulting in identity theft from my consumer report. Experian is willfully and knowingly noncompliant with the FCRA.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.