davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have 2 fraudulent inquires on my credit report from Bank of America. i contacted me identity protection service for both inquiries and had them disputed directly with Bank of America and both were verified as fraudulent. I requested that I receive documentation for both inquiries stating that they were fraudulent. I have not received any documentation for either inquiry. The date for the first inquiry was XX/XX/XXXX and the second inquiry was XX/XX/XXXX. I requested that both of these be removed off my credit report. It has been over 90 days and both fraudulent inquiries are still showing on my credit report. I am requesting that they both be removed from my credit report.
Consumer complaint received 2023-07-07
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. (WI)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One charged my Walmart credit card {$400.00}. The charges were part of a fraud investigation. They claimed that the {$400.00} was credited to my account during the investigation. That's a lie. They did not credit my account {$400.00} during the investigation. So now they added the {$400.00} back on my balance. They also have destroyed my credit by reporting that I was late 30 to 120 days. I want the {$400.00} on my account credited back to my account not to the balance. I also want them to retract the late payments on my credit reports.
Consumer complaint received 2020-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I don't agree with the current balance. The current balance is more than 3X the amount borrowed. Navient can not show more than 10 years of payments I made. I have been paying for 20 years and the balance goes up and they can not shoe payments I have made for many years.
Consumer complaint received 2021-07-30
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. (TN)

I have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.
Consumer complaint received 2021-07-30
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. (CA)

There is one account on my credit report that is not mine I dont know where it comes from or why its on my report I have no account like this I have not signed or authorized anything like this. 

XXXX XXXX - Acct # XXXX Amt {$300.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC (NY)

National Collegiate Trust illegally sold my debt to XXXX XXXX XXXX XXXX. They contacted my father, XXXX XXXX XXXX, and sent him a bill with an account balance {$13000.00}. They have repeatedly contacted him about my own account status and my financials, despite the fact that I have a XXXX era no-contact order with my own father. They have divulged information such as my address and my phone number to my biological father, and they have sent him a bill in the amount of {$13000.00}. NCT had arranged a payment plan with me that they then reneged on, selling my debt illegally to XXXX XXXX. XXXX XXXX have used profane language when speaking to me, have taken very rude tones, have given information that is incredibly private to people with whom I do not speak, and even took a phone call from someone pretending to be me. Not once did they make an attempt to directly contact me about the debt until XX/XX/XXXX, at which point they were attempting to collect XXXX dollars, and not willing to settle. I was never given any forms about how to dispute the debt and no good-faith attempts were made to resolve this without escalating to a lawsuit. 
The letter I have in my possession is dated for XX/XX/XXXX ; account number : XXXX, balance : XXXX. It is addressed to my FATHER, who forwarded it to me after getting my residential address from XXXX XXXX. When I told the agent that she could not call me, she said, " Well we have to be able to call you. '' I said - well don't, and she indicated that they couldn't not call me. Debt collectors are not entitled to call us whenever they want.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

XX/XX/23 Citibank decided to lock my account spontaneously out of nowhere after an attempt to add {$1000.00} to my XXXX XXXX. I tried to log into the app and it prompted me to call a number. Upon calling I was told that my account was being closed and that a check would be mailed after 30-60 days. I asked why and they said they couldnt provide any reason to me. Also they stated they couldnt expedite my remaining account balance payment either. However, I find it rather strange that theyre deciding to close it and not provide me reason. Especially due to the fact that I havent conducted anything fraudulent what so ever. Ive received numerous zelle transfers within the past prior month yes but all legitimate for work-related purposes. Now this morning when I try to submit an XXXX payment to my boss, Im unable to because Citi locked my card and said theyre closing my account. I need my money back now because thats just plain injustice. This is money that is meant to be used for inventory etc as I explained to them, but also that I have urgent upcoming medical procedures which will cost additional as well. This spontaneous closure is very detrimental to me and I dont think they realize it. My boss doesnt have 30-60 days to wait for over {$1000.00} and frankly neither do I. I need this resolved immediately and my account either reopened with my money in it, or a check mailed with my balance pronto if they wont allow me to pick up my funds in person. Please get to the bottom of this. I am extremely desperate and livid.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (KY)

This account was created from drs it shows up on my credit as the exact same amount billed on the same day two times. Somehow they have put a duplicate charge on my credit report for the same date time and amount. I have disputed this and they sold off the account numerous times then added the two together and took XXXX dollar off after I disputed the double charge to get around what they are doing. They keep reposting this incorrect information on my credit report by selling it every time I dispute it.
Consumer complaint received 2023-03-14
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX without my knowledge or authorization.

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website.

According to 15 US 6802, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third-party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC (TX)

On XXXX XXXX 2024, I called Best Egg Credit Card to inform them that I had lost my job and was going to be unable to pay. I asked the representative if she could refund the XXXX dollar late fee. She stated she could not do so because I had been refunded a fee in XXXX. I asked the representative if I would be able to make a partial payment as I was only 30 days past due, to avoid being reported as late on my credit report. She stated that would not be possible, and I would still be reported even if I paid the full amount. I then called again later that day to speak to a Supervisor, who stated he would refund the XXXX dollars. I called the next day, as the refund did not process. I asked to speak to the supervisor who promised me the refund. He refused to come to the phone, but told the rep to inform me that my request was denied. I then called several times after that to plead with them to lower my monthly payment or work with me in some other way. They are extremely rude and refuse to compromise on their usurious policies.
Consumer complaint received 2023-07-08
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. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX : {$30000.00}.
Consumer complaint received 2021-08-27
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. (MS)

XXXX  and Transunion states that XXXX XXXX has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at XXXX XXXX who stated that this information was not sent to XXXX  or transunion and that this record is not on my XXXX XXXX file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with XXXX  and Transunion for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my XXXX XXXX report from 2019. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then XXXX XXXX verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted XXXX XXXX who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!
Consumer complaint received 2019-07-08
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. (NY)

I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, Experian, XXXX and XXXX and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (GA)

I recently submitted an application for a personal line of my credit to be provided to my through the Financial Institution ( Upgrade ) XXXX XXXX. Once I signed and submitted my application I can not be denied my own credit as a consumer the financial institution ( Upgrade ) XXXX XXXX  received my registered Security and should release the securities to me upon signing the application/Deed Of Trust/Promissory Note . The denial of providing me my line of credit is unlawful and goes against the consumer law and Many UCC codes. It is to my overstanding that once Upgrade provided my a contractual offer, once I the consumer signed and submitted the offer the Deed Of Trust/Application/ Promissory Note it is now worth the full value amount stated on the Financial Statement Promissory/ Application/Deed of Trust and I am to be directly compensated with the Line Of credit AND NOT DENIED. I GAVE UPGRADE/ XXXX XXXX  A SECURITY AND insist they release my securities for I am not a silent investor and as the Authorized Agent for XXXX XXXX XXXX I have gave proof of claim that I am the Authorized Entitlement Holder of this Financial statement/asset and demand my line of credit for my duty to fulfill my obligations bestowed upon me upon signing and submission of this Contracual Offer.
Consumer complaint received 2023-01-23
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: WELLS FARGO & COMPANY (TX)

Did applied for well forgo credit card in XXXXSomeone did this without my consent which is theft and fraud. This needs to be removed from my credit report immediately. The account # on my credit report is XXXX.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (TX)

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX XXXX UNAUTHORIZED CREDIT INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/1991
Consumer complaint received 2023-03-10
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. (NV)

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/Account # * XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX * XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * Department of Education/ XXXX ( Account # XXXX ) * 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 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 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Bank would not process transactions in timely manner and then abruptly process them when balance was low, resulting in overdraft fees. 

Subsequently started charging account fees on an account that was sold as a no fee account.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have several commenity bank store cards. Every month every single time I try to make a payment I receive a we are having technical difficulties. I will try repeatedly to make a payment and receive the same statement. I then try to lookup my account and I receive thie information is incorrect. I finally have to call and make a payment over the phone. It is every single time and Im beginning to think they do this so you are late paying your bill.