davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the XXXX  of 2021, my wife and I began receiving mail for our joint accounts at Bank of America that no longer included my wife 's name. It had been overwritten with a new unknown name that we had never seen before. 

We contacted Bank of America as soon as we realized what was going on. We became concerned that there was some sort of identity theft. When we contacted the Bank, they could not figure out what had happened. Their customer service reps advised I go to a branch, open new accounts without my wife 's identity, and transfer all of our funds there. For security, I took those steps. 

This did not address the root cause -- my wife 's identity had been overwritten in the Bank 's systems. On XX/XX/2021, we were advised to file an identity theft claim. We filed the needed paperwork and it has still not been resolved. 

While the identity theft claim has been in review, the Bank has continued to process all of our joint banking with the unknown identity -- including official government paperwork regarding a real estate purchase in 2021. We just received tax forms on XX/XX/XXXX that list the unknown identity. I called the Bank again and they are continuing to review the identity theft claim. Their agents are completely unable to take any action to freeze or pause processing of issues involving my wife 's account. 

We have seen no evidence of fraudulent transactions, tax filings, or other records associated with this activity. All problems are stemming from the Bank 's incorrect paperwork. Based on my personal expertise in cybersecurity and finance, I believe that while this could be identity theft, this is most likely indicative of a lack of proper controls at Bank of America. The underlying issue is likely a database collision -- where they merged two online accounts incorrectly. This should not be possible. In fact, Bank of America employees at the branch and at the customer service and fraud departments that have reviewed the case described it to me as something they had never seen before and that should not have been possible.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (IL)

*****COMENITY BANK/VICTORIA SECRET IS IN NONCOMPLIANCE OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. I sent COMENITY BANK/VICTORIA SECRET my official notice on XX/XX/2022 to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of COMENITY BANK/VICTORIA SECRET . COMENITY BANK/VICTORIA SECRET continues to disclose my Nonpublic Personal Information to nonaffiliated consumer reporting agencies and resellers. COMENITY BANK/VICTORIA SECRET also did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of COMENITY BANK/VICTORIA SECRET disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to COMENITY BANK/VICTORIA SECRET unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice COMENITY BANK/VICTORIA SECRET or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to XXXX2 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect COMENITY BANK/VICTORIA SECRET to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect COMENITY BANK/VICTORIA SECRET to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. COMENITY BANK/VICTORIA SECRET can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party. Remove my XXXX XXXX XXXX from any and all nonaffiliated third parties consumer reporting agencies and resellers immediately.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

I received a letter from the company called convergent outsourcing inc. they are claiming that I owe {$1600.00}. XXXX cents and they are saying that it's from an investment in a company called XXXX XXXX XXXX. I do not owe this debt I do not know this company. They also say the original debtor or creditor was XXXX XXXX XXXX who I contacted and they said that they don't loan money their debt or bad credit repair service. So I contacted convergent and I told them that I don't know anything about this debt and they've got the wrong person and they wanted my social security number and I declined to give it to them and they said have a good day and they hung up. They need to provide more information about this debt before I submit to any more questions about my personal information.
Consumer complaint received 2022-04-16
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to you regarding a recent discovery on my credit report that has caused me considerable concern. Upon reviewing my credit report, I noticed that an item associated with my XXXX XXXX account appears to have been categorized as a charge-off. However, I have not received any communication or documentation regarding this matter, including a XXXX form for a cancellation of debt. 

I want to sincerely express my gratitude for your attention to this matter and kindly request that you provide me with a XXXX form for the cancellation of debt associated with the aforementioned item. This documentation is crucial for me to accurately address and manage my financial situation, especially in light of the hardships I have faced recently. 

As you may be aware, I have experienced significant financial challenges in recent times, which have made it difficult for me to meet my financial obligations. While I have been actively working to improve my financial standing, the assistance of a XXXX form would greatly support my efforts in addressing this matter and rebuilding my credit for the future. 

I understand the importance of responsibly managing my financial affairs, and receiving the necessary documentation from XXXX XXXX would not only provide clarity but also enable me to take proactive steps towards resolving any outstanding issues. 

Your prompt attention to this request would be immensely appreciated, and I thank you in advance for your understanding and cooperation in this matter. Please do not hesitate to contact me should you require any further information or clarification. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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. (FL)

To Whom this may concern, I have sent in Multiple disputes about following items on my credit report. and I am getting Extremely furious that nothing is being done, those accounts I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Furthermore, I have attached a police report and FTC report.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Repport there are many errors in my credit score that are almost XXXX points in less than a month that lowered what it has cost me so much work to upload. there are XXXX or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

Under the FCRA, I request an investigation on the responsibility and the amount of this collection ( ENHANCED RECOVERY COMPANY ( XXXX : XXXX XXXX ) XXXX Opened : XXXX. XXXX, 2021 Balance {$990.00} ). It was already paid off to the original creditor. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Consumer complaint received 2022-04-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Collection Systems, Inc. (PA)

The collection agency under national credit management put a collection on my credit account 3 years later that I did not know about because it should have been a debt under my student loans. This collection is really hurting my score that I worked hard on for years. I called them and they told me it didnt report because of covid was in place but other things reported on my report and I was fixing my report at the time so I kept an eye on it everyday. It should have been reported in 2019 which was way before Covid so that is not an excuse. This debt is {$3500.00}. If I would have known it was going to report on my report more recently I would have stopped it and made arrangements with the collection agency.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-20
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. (FL)

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX, and XXXX and have noted following discrepancies : XXXX  XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX  XXXX  Date open : XX/XX/2022 {$970.00} XXXXXXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I was divorced in XXXX, and I worked with USAA to settle my account ( sometime within the year following ) for an arbitrated amount. The account was settled and closed. I find out now ( in XXXX ) that in XXXX, USAA reported that my account ( and I'm assuming me personally ) was involved in some sort of " fraudulent account transactions ''! I have no idea what this could possibly be about, but when I call USAA 's legal department, they want me to get a lawyer .... to prove my identity from 3 years ago. I live on $ XXXX, through XXXX and a small alimony payment. I can't afford to hire an attorney to dispute this, and I'm being " run over '' by a cooperation, that doesn't care that this is helping to ruin my credit. I couldn't open a new checking account a week ago, because this " alert '' has been coded so high on my report. ( And, THATS how I even found out it was there ) This needs to be investigated properly, and removed immediately!
Consumer complaint received 2024-03-08
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)

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 XXXX 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-16
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. (MO)

I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. Transunion has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.
Consumer complaint received 2020-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (HI)

For the past 14 years they have known my school loans were taken from a school that was closed due to fraud. I contacted them several times to discharge my loan and they never once told me about borrowers defense. 
They have continued to charge me interest, even when my loans have not supposed to be charged interest.
Consumer complaint received 2023-02-07
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. (NJ)

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have new and updated information. I filed a complaint about inaccurate personal information being reported on my Equifax consumer credit report and file. Equifax responded XXXX XXXX stating the disputed items were no longer being reported on my consumer credit report and file and that they mailed a letter with their findings to the address on file. This is false and misleading information because Equifax mailed a postcard about allegedly receiving my request to add a fraud alert, which is also false and misleading information because I did NOT request a fraud alert. I clearly demanded a thorough investigation into the inaccurate personal information being reported on my consumer credit report and file. This postcard was a blatant stall tactic and proof of willful noncompliance from Equifax. Again, I did NOT give Equifax any form of written instructions to furnish, accept or report anything on my behalf, pursuant to 15usc 1681b ( 2 ). Equifax continues to tarnish my personal reputation and violate my federally protected consumer rights.