davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
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. (TX)

I did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX   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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TN)

National Credit System is attempting to collect on a debt that they claim I, my wife and roommate owe for XXXX XXXX XXXX claiming they were not giving notice of our move out. I sent them a letter requesting that they validate the debt and provide documentation that they are licensed to collect this debt. They have ignored my dispute letter which included the notice of intent to vacate that I sent to XXXX XXXX XXXX and are now threatening to report this debt on my credit report and the credit reports of my wife and former roommate if I do not pay them immediately. They claim they did not receive the dispute letter I sent but I have proof that a representative of theirs picked up the letter and signed for it at the PO Box they  instructed my to send a dispute letter. They have also ignored my verbal requests for the documentation validating that this debt is valid and that they are properly licensed to collect it.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I have been a Bank of America customer since about XXXX. I have had no issues with this bank during the duration of this time frame, on today XX/XX/2023 I woke up to not being able to log in or access my accounts. I have 2 checking accounts, and one credit card account with them that has been opened for 5+ years as well. When I tried calling all I was told was Bank of America decided to close all 3 of those accounts, no warning, no reasoning. Nobody could give me any information. Ive been dealing with being transferred from person to person and have yet to get a resolution. I tried going into a branch on that date as well and was told to maybe reset your online banking and that was it. I had multiple bills already scheduled prior to that date to come out the account. They told me the decision was made the morning of XX/XX/2023 with no other knowledge to explain. I asked what will happen to the bills in processing and they said they dont know. 
Another thing is it has been NO COMMUNICATION, no warning, no letters, no phone calls, no alerts, no anything! Just woke up and one day everything was gone!

I have never had any issue with this bank, my credit card bill was current and I have NEVER missed a payment. Therefore what is the reasoning for my account closure? And why is there anything I can do about it?

Also, one of the accounts was a joint account with my mother who has been with them for 20+ years and also is employed by them!

This is wrong and such an inconvenience and I want justice! 
Also how long will it take to get the rest of my funds from the accounts? 
Now I have to risk a ding to my credit because they chose to close my 1 long lasting credit card! 
This is not justifiable in anyway.
Consumer complaint received 2024-03-17
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. (CT)

TRANSUNION HAS RECEIEVED AN FTC WITH INSTRUCTIONS TO DELETE THE ACCOUNTS REQUESTED AS FOR THE ACCOUNTS VIOLATE PROVISIONS PER 15 USC 6801 15 USC 6802 16 CFR 313.7 AND 15 USC 1681a ( 2 ) ( i ). TRANSUNION HAS NOT PROPERLY INVESTIGATED THESE ACCOUNTS PRIOR TO ALLOWING THEM ON MY CONSUMER REPORT BECAUSE TRANSUNION EXERCISE THEIR GRAVE DUTY MEETINGS REQUIREMENTS UNDER METRO2 TRANSUNION WOULD REALIZE THAT THESE ACCOUNTS ARE ADVERSE ACCOUNTS AND ARE COLLECTION ACCOUNTS SO NOW TRANSUNION IS NOT ONLY VIOLATING CONGRESS LAW 15 USC 1681a ( 2 ) ( i ) BUT 15 USC 1681e ( b ) FOR NOT HAVING ASSURED MAXIMUM ACCURACY AND NOT HAVING A SYSTEM IN PLACE THAT ASSURES MAXIMUM ACCURACY IN ACCORDANCE WITH METRO2 AND THE UNITED STATES CONGRESS LAW 15 USC 1681C ( 4 ) ( 5 ) WHERE CONGRESS SAYS NOT ADVERSE ACCOUNTS OR COLLECTION ACCOUNTS SHALL BE FURNISHED ON A CONSUMER REPORTS. TRANSUNION HAS COMMITTED VIOLATIONS AGAINAST THE UNITED STATES CONGRESS AND UNDER 15 USC 1681n IS LIABLE FOR STATUTORY DAMAGES FOR WILLFUL NEGLECT OF {$1000.00} PER VIOLATION AND I WILL PURSUE REMEDY AND USE THE FTC REPORT AND MY LAST COMPLAINT AND A COPY OF MY CONSUMER REPORT AS EXHIBIT PROOF OF VIOLATION FOR STATUTORY DAMAGES VIOLATIONS. NOTICE IT IS FACT PER INTERNAL REVENUE SERVICE POINT 431 CHARGED OFF DEBT IS INCOME AND INCOME DOES NOT BELONG ON A CONSUMER REPORT WHICH IS AN ERROR AND NOW A VIOLATION UNDER 15 USC 1681s-2 AND WILL BE FORCED TO FILE IRS FORM 3949a AGAINST TRANSUNION FOR AN IRS AUDIT .
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

BREACH OF TRUST, CONFIDENTIALITY, AND SECURITY On XX/XX/XXXX my husband and I saw XXXX at Citizens Bank, XXXX XXXX XXXX, XXXX, NH  XXXX. We needed to make adjustments to our online banking. We each have a checking account and a credit card. We no longer require access to each others accounts. XXXX told us these changes would take effect the following day. 
Next day we logged in. We can now see each others accounts but not our own. 
When I called the banks main office I could not speak to a representative by giving the last four digits of my SSN. I had to give the last four digits of my husbands SSN. He called in to Citizens to pick up forms for signing. 
XXXX had told me on the phone that I needed to change my logon and/or password but refused to talk me through the procedure. XXXX the manager did talk me through it. I changed my password but it did not solve the problem. She said the accounts got mixed up by the person who opened the accounts in the first place. I find this hard to believe. My account was opened in about XXXX of XXXX. How did this error go unnoticed all this time? 
Today, XX/XX/XXXX, the problem has not been resolved. I can not check balances, transfer money, pay bills, stop a check, or do any other banking online. I cant see if there has been a fraudulent transaction. 
We do not know if our debit and credit cards work. 
XXXX handwriting is an untidy scrawl. He made mistakes with figures on the forms and missed details. He has been extremely unhelpful and was surly to my husband. 
Most distressing of all is that when I logged in this morning, XX/XX/XXXX, to find nothing had been resolved, the first thing I saw was my husbands checking account summary, with a transaction I should not have seen.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (MO)

I recently tried to deposit a check in the amount of {$23000.00}, however Pentagon Federal Credit Union ( on XXXX seperate occasions ) refused to deposit the funds into my checking account as requested. I can only assume employees at this bank chose to do this simply because I'm XXXX.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

On XXXX the XXXX 2022, I was unaware of a credit check from SYNCB that resulted from a hard inquiry. I purchased an item through the agency XXXX XXXX XXXX. As I purchased the item with the cashier they signed me up for me to take out a card and I agreed, I later declined and the cashier told me that she canceled my transaction. At the time I did not worry about it since I thought this will not affect me. I later then find out through XXXX XXXX  that XXXX shows I have a hard inquiry and this could impact my credit. I immediately call XXXX XXXX XXXX to get this disputed and they can't seem to find any information under my name or by social security number, and they say I am not even a customer as if I do not exist. At this moment I would like to file a complaint for inaccurate information on my credit report towards SYNCB. 


Thank you for your time and consideration.
Consumer complaint received 2023-01-17
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. (NC)

See Attachment I have Disputed the inaccurate information with XXXX, XXXX, EXPERIAN and they have failed to uphold their duty. 
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 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (TX)

Hello, I have tried to get in touch with my lender to postpone the foreclosure or do something to postpone the foreclosure. I have figured a short sale is the best solution for my house. Please I have already completed the short sale packet that I received from them and have my property listed with a realtor. I already have a few offers on the house. My home value is around $ XXXX and I believe I owe above that. My realtor is determining values depending on the offers we are receiving.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

To whom it may concern, THE TERMS YOU AND YOUR REFER TO Nelnet. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, Thank you for contacting Nelnet. We have received your Validation of Debt request on XX/XX/XXXX, please allow up to 30 days from the date of receipt for a response to mailed.. I acknowledge your admission of handling the account ( s ), Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. You blatantly ignored my numerous requests for validation during the year of XXXX, and refuse to take responsibility for your willful injurious act ( s ) of torture. Yet, youre admitting to your possession of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.
Consumer complaint received 2018-03-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

My daughter was diagnose with XXXX XX/XX/XXXX. She need help with here XXXX month old little boy and need my assistance going to the doctor and getting XXXX. Meanwhile I had XXXX on my XXXX   during the same time. I was out of work for 6 weeks. I was stressed and so upset with all this going on. I started fall back on my bills. With know help from Loancare. Till this day XX/XX/XXXX I'm still stressing to help my daughter and raise my grandson. My mortgage have in increase 3 times since I purchase this home in XX/XX/XXXX, Was {$740.00} now {$790.00}. Customer Service is so bad. They don't have any respect for people. Also Loancare Loss Prevention Department I had a toilet that over flooded XX/XX/XXXX and I still haven't got my house repaired yet ( XX/XX/XXXX ). They are stressing me out for simple things that I have no control of. I sent everything they ask and they still haven't release the check to get my house in order. XXXX XXXX put me throw a lot today. I need a decrease on my mortgage.I need help.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NJ)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (GA)

Reviewed most recent credit report from Experian and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.
Consumer complaint received 2023-01-17
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. (GA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission.
Consumer complaint received 2022-09-30
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.
Consumer complaint received 2024-02-24
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. (CT)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX {$910.00} Thise account is being reported inaccurately and has violated my rights according to the laws listed below. 
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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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.

I am requesting your assistance in having these items removed from my Consumer report.
Consumer complaint received 2023-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc. (AZ)

I received a call from a XXXX XXXX XXXX. He stated this call is to collect a debt I was unaware of the bill and tok the call. I advised him I have never received anything. I asked for the details dates of services and services billed he could not provide. I asked him for written correspondance only and he continued to tell me i should have set up autopay otherwise it will be referred to collections. 

he stated XXXX XXXX you must agree to the payments they offer and set up autopay. i requested written correspondance va mal and 5 minutes letter they texted me via the same cell phone they called. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX THIS IS UNREASONABLE AND WHEN RECEIVING THEIR TEXT THEY HAD THE WRONG SPELLING OF MY ADDRESS NO UNIT NUMBER SO THERE IS NO WAY I WAS EVER COMMUNICATED WITH. I AM TIRED OF BENIG BULLIED BY COLLECTIONS AND HOSPITALS WHO USE THEM
Consumer complaint received 2023-06-07
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. (MO)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

On Thursday, XX/XX/XXXX, I received XXXX emails from Wells Fargo which I immediately reported as spam and deleted. I did not open these emails. The next day, on Friday, XX/XX/2022 I received an actual plastic debit card from Wells Fargo bank with what I would consider " normal '' paperwork for activating a credit or debit card. I do not have an account with Wells Fargo and this debit card was completely unsolicited. I did not activate it but instead looked up Wells Fargo online and called an " Account Management '' number for Debit and Credit cards. As a result of this conversation, I was given a claim number, XXXX and told to contact the FTC and the police. I was also told that Wells Fargo would contact me again via email. They have not. 

On Monday, XX/XX/2022 I received a letter from Wells Fargo dated XX/XX/2022, several days before all the above. The subject of the memo is : Closure of your deposit accounts : Account number : XXXX. This letter went on to say that they reviewed my account and decided to close it because it had been " compromised or impacted by potential identity theft. '' I agree that it is identity theft but it was Wells Fargo who committed the identity theft! 

Please note also that this letter used an old address " XXXX XXXX XXXX XXXX '' and I have not lived in the " rear '' address for over 13 years. My current address is XXXX XXXX XXXX. 

THIS MUST STOP. This is the 2nd time in less than six months where I have been the victim of a similar scam. Please see my previous complaint XXXX. 

I am not uploading files at this time but would be happy to do so at your request.
Consumer complaint received 2020-01-17
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. (CA)

I had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.
Consumer complaint received 2020-01-17
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)

Experian is showing an inquiry from XXXX XXXX XXXX XXXX from XX/XX/2019 and I did not request my credit be pulled.