davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (TN)

I have called each credit bureau and sent mail disputes about the following inquiries and accounts - items that are not validated. Each credit bureau has requested I file an Federal Trade Commission Report through Idenitytheft.gov. I have filed the report which i have ( attached ) which all the the following accounts listed are in the ( attached report ) : Accounts To Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

To whom it may concern : This letter is requesting the removal of the accounts below from my credit file. Please understand I have been dealing with this issue for months regarding this debt I have researched hours and hours to determine what I now know has happened to me. I am a victim of MEDICALDEBT PARKING! 

YOU HAVE ILLEGALLY PARKED A DEBT! I have checked with the medical facility that originally claimed this debt only to discover that there was no outstanding debt. I recently applied for a new position and my credit report was requested, I was denied the position due to a low credit score. My credit score has been adversely affected by this Parked Debt.This is an invalid debt and you should be considered by all definitions A Bad Actor!
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (WI)

On XX/XX/XXXX, I received my stimulus check in their savings account. Credit Karma asked me to link my accounts to withdrawal. My account was having issues linking. So I contacted customer service. They escalated to emails because they could not figure out what was going on. After 24 hours after the initial email, I never got an update. I went back online and chatted with customer service again. Told them the urgency. They, again, directed me to email. This time, there were microdeposits in my account getting ready to link the accounts. Now that it is XX/XX/XXXX, I have tried to contact them 5-6 times through their chat. Every time, they have sent me to their email answering system because their lower level can not solve the issue. Every time, I get no response from their higher up team. 

Their partner for linking, XXXX, does say I am linked through their end with my bank account and Credit Karma. Credit Karma refuses to look into why their end is not showing that the accounts are linked. They keep blaming XXXX. But it is not XXXX  's fault but it is on Credit Karma 's end. 

Back in XXXX, when I went to withdrawal money, I had the same issue. Credit Karma transferred the money into the account after two days of trying to resolve the issue. Now, it feels like they are refusing to do that method.
Consumer complaint received 2023-02-17
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. (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. 

Account Name : XXXX XXXX  Account Number:XXXX** Account Name : XXXX XXXX Account Number:XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX** has violated my rights. Or 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 2022-11-11
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2023-07-26
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. (AL)

U.S. Department of Education has been furnishing personal transactions to consumer agencies since 2011. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken.

This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974.

45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains.

The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains.

These entities knowingly violate their agreements with malice.

This is my notice to opt out as I was never given the opportunity to.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened an account at a Bank of America branch on XX/XX/XXXX with an opening cash deposit of {$1000.00}. I initiated a wire transfer from my previous out of state bank for {$8700.00} since I no longer have easy access to their locations. I then linked my XXXX XXXX XXXX account to Bank of America so that I could transfer money from XXXX to Bank of America. Knowing that BOA has physical locations, the goal was to have BOA as our primary bank account to be able to deposit cash, use ATMs, etc. 

After the XXXX account was successfully linked, I set up a transfer for {$10000.00} on XX/XX/XXXX which showed as cleared on XX/XX/XXXX. On XX/XX/XXXX, I saw my first of XXXX transactions listed as having insufficient funds. The totals for these insufficient charges were {$0.00}, {$0.00}, and {$20.00}. Seeing as I had {$9400.00} in my account at the time, I called BOA to see why it said I had insufficient funds. They told me that my account had been restricted because they couldn't verify my identity and the validity of the XXXX account which I used to transfer {$10000.00}. They said they emailed me on XX/XX/XXXX but after checking my inbox, spam, and trash folders, I haven't seen anything. 

I've given them the customer service number for XXXX which they said they've called but have been unable to reach someone. Since they can't confirm the account, my BOA account has a restriction and I have no way of accessing my money. They can't give me any updates and say that I have to call back every day for an update. Otherwise, the restriction will be lifted after 30 days. They won't allow me to speak to the person handling my case. I even offered to call XXXX to see if they could have an agent call BOA but BOA said the only way to get the restriction lifted is if they can call XXXX and speak to someone. I have no way of verifying if they've actually called. Thankfully I still have enough money to cover bills in my XXXX account but the fact that I can't access any money in my BOA account, especially given that I verified the account online and the wire transfer cleared, is unacceptable.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
EXPERIAN - XXXX XXXX XXXX EXPERIAN - XXXX XXXX EXPERIAN - XXXX XXXX XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX EXPERIAN - XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The collection agencies that I've listed below are reporting old debts. They are re-aging them and placing them on my credit report. It is my understanding that this is illegal for someone / company to re-age a debt that is greater than 7 years plus the statue of limitation in the State of Texas is 4 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Debtor : XXXX XXXX XXXX Original Creditor : XXXX XXXX University Amount : {$160.00} Date incurred : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX Type : Payday loan Debtor : XXXX XXXX Amount : {$700.00} Date Incurred : XX/XX/XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I send a Dispute letter to Equifax. Equifax received the letter on XX/XX/2023. Here is my tracking number XXXX. I send them letter to investigate the Collection account. I asked them to check it on inaccuracy. They didn't do anything and my credit report shows me the same thing. I will attach the screenshot from Equifax here. They are saying that the amount of debt was XXXX $ even, however XXXX collection agency send me a letter with an amount of XXXX XXXX I don't know who is trying to fool me but this is misleading information. The Equifax told me that the account was accurate and they didn't do anything. Please remove this collection account from Equifax credit reporting agency due to false reporting. The information between Collection agency and Equifax is not matching after investigation.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica (MI)

Response to Comerica false statement. I have experience financial abuse from Comerica. I closed the bank account. They had to pay me a XXXX XXXX  check in which they failed to put in there statement. They closed all my accounts and they justified the behavior by saying that they could not prove my identity. XXXX XXXX stole XXXX, XXXXXXXX XXXX from me in XXXX. Comerica stole XXXX and closed my account putting false information on XXXX XXXX In which I lose XXXX, XXXXXXXX XXXX due to the issue of comerica. the checks I wrote was to pay my rent and they were starter checks in which the bank provided to me. If they were counterfeit the Comerica bank provide me those checks. In which should not be held responsible. I was in the process of putting my money into the account. When I talk to the fraud department and shared that they kept saying they had no record of the account I open. I could not take out XXXXXXXX XXXX from the ATm. I closed the account due to Comerica being to far and I could not get access to my money. That I put in the banks with cash. There was no fraudlent behavior. they are reporting on information that I reported in the past when I bank with them. I would like Comerica to know that I put in a complaint with the michigan attorney general due to the impact of this situation. It cause me to cry every day and almost got me evicted from my place. Due to Comerica, I could not pay bills or open up another bank acount. I would like them to removed information off the XXXX XXXX  and provide me a check for XXXX or I will follow-up with a lawsuit. 

I have attached the check that comerica sent me for XXXX XXXX ask proof that my account was never in the negative. That I close the account.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (RI)

On XX/XX/XXXX, I purchased my lease XXXX XXXX XXXX Unfortunately, I have not been able to get the title to this car ; every time I call customer service, Im confronted with different excuses. 

It has been a nasty experience and at the moment I had no other choice but to get a lawyer to handle my case as of today XX/XX/XXXX, the lawyer has not been able to get anyone to talk to him. 
XXXX XXXX
Consumer complaint received 2024-01-04
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. (KY)

The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so i may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so i may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Please remove all accounts listed below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2023-07-26
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. (NY)

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is XXXX furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

In XX/XX/XXXX, I received a message from MOHELA stating that I have until XX/XX/XXXX to recertify my XXXX plan, however on their website, my IDR recertification date was listed as XX/XX/XXXX. On the studentaid.gov website, it clearly states the following : " The earliest you could be required to recertify is XX/XX/XXXX. 

On your account XXXX XXXX page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' When I stated the above to MOHELA, they said I should just recertify to avoid problems. I spoke with Federal Student Aid and submitted a complaint on their page based on their recommendation on XX/XX/XXXX. That complaint is still pending and apparently has been escalated, but I do not have a timeline on when this will be resolved. 

Since then, MOHELA has increased my monthly payments by almost 1600 % and when I called them on XX/XX/XXXX to enter into forbearance while this issue with resolved, they began to tell me that my XXXX anniversary date is XX/XX/XXXX and that is why I need to recertify over the phone with them now. When I asked them where they got this date from, they simply told me this is the date " in their system '' and that it is not their fault that I can not see this date on my account on their website. When I told them that their website is showing me an XXXX renewal date of XX/XX/XXXX, they told me that they do not know where I am getting that date from, and they do not see this date, they only see XX/XX/XXXX. They tried to push me to recertify, but I asked to have a supervisor speak to me, and a supervisor never called me back. The only place I see the date of XX/XX/XXXX anywhere tied to my loans on the MOHELA website is that this is the date of my next bill. 

I went to XXXX again and downloaded My Aid Data from my account on the website, and saw in all that information that my XXXX anniversary date was listed as XX/XX/XXXX. 

I currently have no trust in MOHELA and do not know where to get accurate information from other than FSA.
Consumer complaint received 2023-03-20
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)

XX/XX/XXXX I discovered my info in the EQUIFAX data breach and was given a claim. I filed with FTC affidavt, along with notifying the credit bureaus of all the inaccurate and many errors on my report. 
According to 15 USC 1681i I have a right to fair and accurate reporting on my credit report in a timely manner, with comment of account in dispute. 
EQUIFAX has refused to comply and has continually violated my rights. 
I did not oppen this account nor have any knowledge of the account. 
EQUIFAX deleted the following account originally only come back and reinsert it once again, with different info. THIS is illegal and constitutes fraud! 

XXXX XXXX XXXX {$12000.00} Delete this account or pay me {$1000.00} Per violation.