davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Due to errors on behalf of the credit card issuer, my annual fee was reduced to the point I can not use it for the primary purpose I opened the account. I had fraud on my account when I otherwise would not have any activity on my account and the issuer Bank of America ( BofA ) did not send me statements so I reasonably concluded I was not issued a statement. BofA failed to issue me a statement for 3 months then sent me a letter dated XX/XX/XXXX that I had a balance on my account. I contacted BofA on XX/XX/XXXX to inform them of the fraud. After the issuer failed to send me new cards with a new number as it had committed to doing due to fraud on my account, I contacted them again on XX/XX/XXXX so my cards could be reissued, at the same time requesting that my credit line which had been reduced to {$500.00} from the initial {$16000.00}, which is less than I need to be able to utilize the primary benefit I was promised at signup and therefore agreed to pay a $ XXXX fee. However, I received a letter dated XX/XX/XXXX nearly a month later that my request had been denied because " You have had a recent credit line change on this account '' which is circular logic because it was BofA 's errors in the first place that resulted in the credit line decrease, because I was not properly informed to respond to or pay a bill. I called to request reconsideration on XX/XX/XXXX and the person answering repeatedly refused to answer yes-no no questions which I take as an admission that BofA knows it improperly lowered my credit limit. I was informed reconsideration could only be done if requested by writing a letter. I wrote a letter on the same day and have been informed the request was denied. I have yet to receive a full detail. However the companion pass for the first year that was part of the signup package expired while I have been corresponding trying to resolve the unacceptable situation. 

In summary, I paid an annual fee of {$75.00} for my card and am unable to use the primary benefit that enticed me to sign up for the card because BofA has lowered my credit limit which was solely a result of BofA errors ; BofA itself failing to provide required correspondence, which has happened on multiple occasions since opening the account in XX/XX/XXXX. I am really disappointed that I have to file a report with the regulators but BofA 's actions have forced me to reach out for external help and any sanctions that result are its own doing.
Consumer complaint received 2021-08-29
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. (AR)

I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Despite multiple attempts to rectify this matter, the problem persists, causing significant inconvenience and distress. I have diligently followed the prescribed procedures for reporting and disputing these unauthorized items. However, each time I undertake these steps, I am met with limited success and often encounter unnecessary hurdles in the resolution process. This not only wastes my valuable time but also compromises my trust in your organization 's ability to safeguard my account information. 

I urge you to take immediate action to address this issue comprehensively. This should include : Conducting a thorough investigation into the source of these fraudulent activities. 
Implementing stricter security measures to prevent unauthorized access to accounts. 
Streamlining the dispute resolution process to ensure prompt and efficient handling of such cases. 
Offering appropriate compensation for the inconvenience and potential financial losses incurred due to these fraudulent activities. 
Furthermore, I request regular updates on the progress made towards resolving this matter and preventing its recurrence in the future. 

Failure to address this complaint satisfactorily may compel me to explore alternative options, including legal recourse and severing my ties with your organization. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : : {$2000.00} XXXX XX/XX/2022 XXXXXXXX XXXX XXXX **** Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  Balance Owed : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : : {$2000.00}.
Consumer complaint received 2022-09-29
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. (FL)

In a response received from Experian on XX/XX/XXXX via CFPB case # XXXX, Experian stated that it completed an investigation of a bankruptcy dispute with their " Public Record Vendor ''. However, Experian has refused to provide the name, and address of this public record vendor as required by the FCRA. Experian is " Knowingly '' lying about contacting this so-called " Public Record Vendor ''. It is has been proven that Experian uses system-generated responses to disputes without properly validating the data with the source and aligns with case Nikolas v Experian. According to XXXX via it's website at https : XXXX XXXX XXXX XXXX  Matches '' information for bankruptcy records via " Public Records XXXX XXXX XXXX only provides the bankruptcy data to Experian and does not " Validate '' this information. I have attached a full consumer report from XXXX which clearly shows " No Bankruptcy Record ''. Experian has ignored this supporting documentation dated XX/XX/XXXX, and refuses to provide the " Name and Address '' of the vendor who is " Verifying '' this record. In CFPB case # XXXX, Experian admitted that although the " Courts does not report to CRA 's XXXX we may contact the public record vendor for verification '', which is consistent with the letter from the Bankruptcy Court certifying that " They do not report filings to CRA 's XXXX. I have attached both, the report from Experian 's data furnisher XXXX and a letter from the courts. This is strong evidence that Experian has not validated the " Completeness and Accuracy '' of this record and has failed to provide the " Name and Address '' of the its " Public Record Vendor '' therefore, this record must be deleted in accordance with the FCRA laws and standards. I am not requesting a " Re-investigation '' as the evidence presented as proven that this record has not been properly " Validated '' by the originating source or data furnisher. If Experian responds to this complaint with a system-generated response or delays the removal based on the facts provided, it will be perceived as an attempt to violate federal law. In a federal court, it will be considered " Knowingly '' or " Reckless '', which could cost up {$1000.00} per violation. Experian has caused significant damage to my credit and reputation by reporting this " Unverified '' negative information and should it refuse to comply, I will seek punitive damages.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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 XXXXXXXX and 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.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My checking account with Wells Fargo seems to be charging me repeated transactions for similar things, transactions that I do not recognize, and also charging my account for things that it should not be charged for - For example I just ordered a product from a company and the initial charge is only XXXX dollars because I have 60 days to try these products before returning them however Wells Fargo already debited the almost {$300.00} from my account so now I only have {$47.00} and this company is saying that this was supposed to be a temporary hold and that the funds should STILL be available to use in my account - however they are not. This seems to be a repeated pattern with my banking at Wells Fargo. Every time I need the money Wells Fargo always wrongfully debits my account and then doesnt return the funds then blames the other companies.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Greetings, I would like to fill a complete with the CFPB against XXXX, Equifax, and XXXX for misleading information on my credit report about a Bankruptcy case. 

I sent written notification to the court asking how XXXX, Equifax, and XXXX verify bankruptcy by the court. In response, in response on XX/XX/2021, the court stated it does not verify information to collection agencies. As a result, I sent letters to all 3-credit agency asking to verify and how the Bankruptcy is verified on my account. 
This is the response that was sent to all 3 companies I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case Number XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 

XXXX XXXX In response, each credit agency stated that the information is verified as accurate. 
Attached are letters and documentation that was sent to all 3 agencies.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$280.00}. It is reporting as past due. I do not know this company nor have I ever done business with them. This company does not have a contract with my signature on it.
Consumer complaint received 2021-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

IQ DATA INTERNATIONAL {$4200.00} XXXX XXXX. 
UNDER 15 U.S. Code 1681b-Permissible purposes 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. 
I, XXXX XXXX XXXX never gave IQ DATE INTERNATIONAL any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2021-08-29
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. (FL)

On XX/XX/2021 I sent Experian a letter disputing the XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/2021 saying they had completed their investigation and this account was verified. I disagreed with their report and send another letter on XX/XX/2021 asking for another investigation with proof of who they verified the account with as well as to delete the account. On XX/XX/2021 I received another from Experian stating the item was again verified. I sent a letter back on XX/XX/2021 with proof that the account was not being reported accurately and asked for a deletion. On XX/XX/2021 I received a letter stating they have previously " processed this dispute and the credit grantor has verified its accuracy '' and did not further investigate. I sent my final letter on XX/XX/2021 as a formal notice of my intent to file with the XXXX  and cfpb due to the erroneous account still reporting after failing to be verified with multiple requests. I received notice on XX/XX/2021 that experian verified my account as accurate. 

This item needs to be deleted from my credit report as it has failed to be verified.
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted several disputes and submitted and FTC report for fraudulent hard inquiries listed on my Transunion report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, On my XX/XX/2022 credit report there are comments under a closed XXXX XXXXXXXX account that I would like removed - attached to this complaint are : - my drivers license - my social security card - my address - my complaint letter - my Experian credit report Please have the comments, in the comment section, for this closed XXXX XXXXXXXX account, removed as soon as possible.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I received an email from Nelnet letting me know that student loan payments would resume in XXXX. My next payment would be due in XXXX. I made said payment an entire month early, on XX/XX/. Since I made the XXXX payment, I shouldnt have needed to make another payment till XXXX. At the end of XXXX my account said that I owed over {$900.00} and it shows interest. I made the payment already, so theres no way I shouldve owed {$900.00} and theres no way my account shouldve gained any interest. I made the payment and even emailed them to let them know that there was no way I owed {$900.00}. Paying the {$900.00} shouldve covered my loan payments for XXXX & XXXX, but now theyre telling me I owe a payment for XXXX. Its as if they took my early payment in XXXX and decided not to apply it to my student loan, while charging interest and falsely claiming I was late on a payment. I emailed them at the end of XXXX and have not received a response yet. It is also near impossible to get in contact over the phone. This allows Nelnet to pretty much do whatever they please while claiming theyre having difficulties leaving borrowers with no way to even contact them.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 Balance : XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX.
Consumer complaint received 2019-12-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

OK! My identity was stolen. 
Date opened : XX/XX/XXXX Address ID : XXXX Type : Charge card Responsibility : Individual First reported : XX/XX/XXXX Terms : Not reported Monthly payment : Not reported Credit limit : {$1200.00} High balance : Not reported Recent balance : {$0.00} Status : Open ( close now ) Date of status : XX/XX/XXXX Also, auto loans were taken out under my information and the whole works college loans ( probably ) and also capital one issued revolving charge account cards to individual ( s ) @ Kohl 's in XXXX, Wisconsin. 
I need help getting my identity back to safe and secure so people can get into trouble throw them in a snake pit, i don't care thank you regards, XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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: CITIBANK, N.A. (FL)

I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of XXXX and it still has not been reflected in my credit reports from XXXX and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( XXXX ) as the account was not noted as being disputed within XXXX  days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the XXXX code.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX # XXXX has violated my rights. 15 u.s.c 1681 section 602 A. states i have right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.