davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-09-07
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. (WI)

On XX/XX/XXXX and XX/XX/XXXX I sent Experian letters asking the consumer credit bureau to delete an account from my Experian credit file. Experian did not delete the account from my credit file. I sent Experian a settlement letter I received from the creditor. In the letter, the creditor stated that if I had paid the reduced balance in full on, or before the expiration date, the creditor would agree to delete the account from my credit file. The creditor agreed that I'll pay XXXX on, or before XX/XX/XXXX in exchange to delete the account from my credit file. I paid the creditor in full XXXX with the first payment beginning on XX/XX/XXXX and the final payment on XX/XX/XXXX, before the expiration date. Attached to this statement is the entire transaction history of the payments made by me to the creditor, I also sent the transaction history to Experian on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good evening! I am XXXX XXXX my cell is XXXX XXXX XXXX this is in referrence to bank of america response to 1st compplaint and ypur system is not allowing me to provide feed back to the BOA response Bank of america had two unauthorized transactions on my account and I explained to them I never used XXXX the XXXX advocate who is responding is not aware that I never ever used XXXX and they mention I made a mistake and refused me the refund stating i withdrew my claims and in retaliation of my complaint to CFPB your company has mentioned they are terminating deposits and closing the account ending in XXXX qnd that they are not required to provide a reason to close the account this definately leads one person to believe its retaliation practices other wise they would come to a better solution to simply recreate a new bank account for me to ensure security instead they threatened to close any future accounts without warning. I have been tryi g to simply reaolve this problem without conflict and bank of america and XXXX both created a misunderstanding on this matter and failed to communicate correctly a resolution. If a customer is scammed the solution is now to cut off banking relationship and close account not only does this affect the victim whom i relied and trusted this bank to secure me as a client yet they close my account and let the bad guy win for steeling using their apps???? I am requesting bank of america to re review their decision and not make me a victim a 2nd time. I again have tried to come to a resolution and avoid conflict and want to keep my accounts but bank of america staff are all miscommunicating information and this is not right. Please provide my feed back to bank of america from here since your system will not let me provide feed back thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KS)

It came to my attention back in XX/XX/XXXX that I had failed to update my credit card number in my bank payments and had continued to make the payments to the wrong account ending in XXXX. I have researched back to the first of the year and all of my payments were paid to the XXXX account and were applied by the company to the correct number XXXX until XXXX. I wasn't aware of the problem until the payments were no longer showing up. I called on XX/XX/XXXX and opened a dispute and advised I had a {$1000.00} credit on account ending in XXXX and would like the money refunded or transferred to the new card ending in XXXX. AS of today XX/XX/XXXX NOTHING HAS BEEN DONE. I called again today and spoke to two different people. The first one tried to tell me the money had been credited which I know was not true as I am looking at my account activity and my bank activity and of course the latest statement showing a {$2000.00} credit on the wrong account that is closed now. The second person advised they were still working on my dispute and nothing had been done yet and I needed to wait longer. AGAIN, I have received another statement for the account ending in XXXX and I now have a {$2000.00} credit balance that should be refunded to me or applied to the correct account XXXX. PLUS, I am paying interest on the balance I am carrying and it is wrong since the {$2000.00} payments made are not credited. Could someone help me please???????????? Thanks!
Consumer complaint received 2022-12-27
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCM Finance LLC (TX)

Called the end of XXXX inquiring why my credit report still showed a current repossession and that my account is closed dating back to XXXX. Vehicle was repossessed in XXXX and we paid all fees up to date and got vehicle back within a month. Every payment, twice a month, have been paid on or before the due date like clock work. Called CCM finance on XX/XX/23 because I was informed they have reported all of my payments as late and still are reporting my account as repossessed/closed and sat on hold for over a hour. Left a call back request with my number and no response back.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (TX)

on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

This is the Forth time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with XXXX and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my part C XXXX provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX bucks and therefore not qualify for reporting per New Reporting laws this year! I have already submitted complaint # XXXX 2 weeks ago, and these Fools have struck again.All without sending me any statements at all ... .this time they send 6 total negative unlawful accounts to my credit report and decreased my credit score.These persons has some kind of ISSUES for sure ... ... and needs to be put in their place
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (MD)

On XX/XX/2022, I received an alert XXXX XXXX, that there was a change to my XXXX report. I requested a free copy of my credit report and learned that two companies ran an inquiry for credit. The two companies listed were : Destiny XXXX Account and Indigo Mastercard Account. There was also an unknown address and phone number listed. ( Address : XXXX XXXX XXXX, XXXX Florida, XXXX ; Phone number : XXXX and XXXX ) I disputed both the address and phone numbers. 

In late XX/XX/2022, I received emails about a new card. I looked at my credit report again and credit card accounts appeared on my report for Destiny XXXX  Account and Indigo Mastercard Account. I contacted the company and they said they would send me an affidavit to complete and have notarized. I also disputed both accounts with all three credit bureaus ( XXXX, XXXX and XXXX ). 

On XX/XX/2022, I received two letters from Genesis FS Cards Services - XXXX XXXX, XXXX, OR XXXX. There was a letter sent on behalf of Indigo and Destiny. The letters stated they processed a change of address on my account. I contacted the number provided on the letters ( XXXX and XXXX ). One of the numbers was never answered and when the other call was answered- the person I spoke with said she didn't see my name in the system and would need the last four numbers in my social security. I did not provide it. 

This appears to be a scam - two accounts opened - different credit companies but they both have the same address and were opened the same day. They used the fraudulent address and phone numbers that I disputed. 

I need this corrected. XXXX sent me a letter saying the company verified that the information was correct. This is not my account. I have am the victim of identity theft. I need these accounts removed from my credit reports and the individuals behind this scam need to be prosecuted.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and TransUnion are reporting serious delinquencies of 60 days or greater to lenders when there are no accounts that reflect a XXXX derogatory mark. This issue has been going on for over 6 months now. I have most recently written to XXXX XX/XX/2022 ), contacted their disputes and member services departments, escalated the situation to managers, and opened numerous tickets to no resolution. There seems to be a disconnect between the employees that work for XXXX, their process, and what am actually disputing. With TransUnion, I have contacted customer care and tried to initiate a dispute. The issue is that there is no account to dispute. The information on the credit reports are accurate. What is not accurate is the reporting of serious delinquency by XXXX and TransUnion that does not exist on the same credit reports they are providing me. I have recently applied for mortgage financing and this erroneous serious delinquency is being reported to lenders and that is not reflected in my credit report. XXXX is the only agency reporting accurately.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-06
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. (NJ)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Services Account # 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 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (HI)

During the XXXX pandemic I began qualifying for Public Service Loan Forgiveness Program ( PSLF ). When I started working for the federal government at the start of the pandemic, I was not aware that I qualified for PSLF. My loans were originally through Great Lakes Educational Loan Services , Inc. After qualifying for PSLF , my loans transferred to XXXX XXXX During the pandemic, I paid off some of my loans completely while they were still with Great Lakes Educational Loan, Inc. After qualifying for PSLF and realizing that non-payment during the pandemic counts as payment, I requested to have my loans reinstated and the money refunded. I initially contacted Great Lakes Educational Loan Service, Inc who informed me that my loans had been transferred to XXXX and that I needed to request the refund through XXXX. On XX/XX/XXXX, I contacted XXXX to have the loans reinstated and refunded. They accepted my request and ask that I check back in XXXX business days. On XX/XX/XXXX, I contact XXXX again and asked that the loans be reinstated and refunded. On XX/XX/XXXX, I contacted XXXX again and made the same request. On XX/XX/XXXX, a check from the Treasury Department arrived that was a refund for my reinstated student loans totaling {$570.00}. However, during the pandemic, I paid off {$58000.00} in student loans. On XX/XX/XXXX, I contacted XXXX and informed them that the refunded amount was incorrect. On XX/XX/XXXX I contacted XXXX again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX, I contacted XXXX again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX I contacted XXXX and was informed that I needed to ask Nelnet to reinstate my loans so that I could request a refund. I contacted Nelnet and was informed that XXXX is responsible. Both loan servicers are stating that they are not responsible for reinstating the paid off loans and refunding me {$58000.00}. However, on the XXXX website, Nelnet is shown as my servicer for the loans that were paid off.
Consumer complaint received 2024-02-28
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. (WA)

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.

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 2023-07-08
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: GOLDMAN SACHS BANK USA (MA)

On XX/XX/23 I ordered XXXX pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' in size XXXX XXXX XXXX  for a total of {$1800.00}, from XXXX. I used my Apple Card from Goldman Sachs Bank. XXXX is an online marketplace. I never received the sneakers, they still have not been delivered. XXXX sent them via XXXX  XXXX with special handling instructions " Direct signature required ''. XXXX XXXX claims XXXX signed for the package. My name is XXXX XXXX XXXX, I do not know a XXXX. The signature they have on file is fraudelent, it does not match my signature or my XXXX XXXX the only XXXX people who reside at my home capable of a signature. Both my XXXX and I were not home at the time of the alleged signature and delivery. I filed a police report with the XXXX police, a signed affadavit from my XXXX  and I and a copy of my drivers license. I provided all of this to Apple Card along with numerous emails back and forth with the merchant, XXXX. Apple Card is failing to look at the facts of all the evidence pertaining to the dispute. Instead of working for me to help resolve the fact that I am being charged for merchandise I never received, Apple continues to ignore the overwhelming supporting documentation I have provided. Multiple supervisors from Apple have agreed with me that I should not be held responsible for the charge given all the information I have provided but I am then told a " different department '' handles these disputes and they have no control. These discussions are recorded by Apple, so it is possible to obtain them as evidence that Apple continues to tell me the charge should not stand. The merchant, XXXX only responded once, XX/XX/23, to Apple out of the XXXX times I have had to reopen the claim. It should be noted that Apple Card representatives/supervisors continue to suggest I reopen the dispute. I went through their response to the dispute and disproved their entire claim and emailed my rebuttal to Apple Card. Apple 's " different department '' still ignores the facts.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account Name : XXXX XXXX Account Balance : XXXX Account # XXXX Account Name : XXXX Account Balance : XXXX Account Number:XXXX  Account Name : XXXX Account Balance : {$370.00} Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Balance:XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Balance XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Opened an account with CITIBANK back in XXXX, the bank froze deposit and won't help. I get a different story each time i call. They have been sending me on a goose chase to all the other banks and it's sad. I just need my money that I deposited.
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.