davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have had a Bank of America Visa Card for well over 20 years. And, I am writing out of simple frustration. 
A fraud was committed early last month and I am missing {$1700.00}. In three separate phone calls ( XXXX, XX/XX/XXXX, and XXXX ), I have been promised a refund of {$1700.00} into my bank account. I was also assured that I am not responsible and would receive a refund. As of today, this money has not appeared. I have abbreviated the situation below : XX/XX/XXXX I paid the amount of {$1700.00} to my credit card, online, and the funds were withdrawn from my XXXX XXXX XXXX XXXX Checking Account. 

XX/XX/XXXX This amount was refunded to my card as a Return Payment. This action was not initiated my me, nor by my spouse who has access to the card. I was eventually told, in my series of phone calls, that someone had impersonated me by calling Bank of America. He/she requested the payment be stopped and the fund returned to his/her bank. It was revealed that the checking account # where the funds were sent was NOT mine. Therefore, I am missing {$1700.00} due to fraud. 

XX/XX/XXXX AND XX/XX/XXXX - Met with XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX twice. He was very sympathetic telling us we should be getting the money refunded. He attempted to resolve it twice by calling various B of A numbers, he ended up being frustrated and hung up on them. I have emailed him three times within the last 3 weeks and have received no response. 

XX/XX/XXXX - I received a letter from Bank of America stating that the case was now closed! Nothing is closed. I am still missing {$1700.00}! 

When I called on XXXX about the situation, I was assured that I would receive the funds back very quickly as it was fraud. 

When I called on XX/XX/XXXX, I was assured that the funds would be received by XXXX. In this conversation, it was agreed that my card should be replaced, which is was. 

When I called, XXXX, I was told it could take up to 60 days, as Bank of America needed to get the money back from the person who committed the fraud. 

I am completely annoyed and frustrated that I am out {$1700.00} and particularly because I have consistently been lied to about when the funds would be returned to me. Why am I having to go without my money when the fraud had nothing to do with me whatsoever? I paid my account on XX/XX/XXXX ( like I regularly do every two weeks ) and the {$1700.00} disappeared! 

Finally, I have received no updates or responses from Bank of America that this case is being worked on nor of the real status of when my {$1700.00} might be refunded.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP (NJ)

Since XXXX of 2022, I explained charges to my account regarding unauthorized in nature. There were several charges. 

To date, they have not rectified this and I have gone into the branch, called the XXXX over one dozen times. 

It still isn't corrected.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OR)

Noticed the debt added to my Experian credit file in XX/XX/XXXX. I disputed this account with them and it came back as valid and I asked them to reinvestigate and they did and came back XXXX of XXXX saying it was valid. I have told XXXX I did not open this account but they arent budging either. I DID NOT OPEN THIS ACCOUNT.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Balance : {$2600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$620.00} - This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX balance {$95.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX : {$250.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX Balance : {$83.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account is reporting inconsistent and inaccurate, please delete this account.
Consumer complaint received 2021-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

Nelnet which is a fasa. Form government has for years been trying to get me to pay off a school loan that has been closed down for years called XXXX XXXX It is unfair that N e l n e t expects me to pay for a college that already deemed a fake college by the government
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NC)

Contacted Discover in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today Discover continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by XXXX and removed, yet XXXX  continues to allow this inaccurate information to report again without blocking it.
Consumer complaint received 2023-01-24
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. (IL)

I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information : XXXX XXXX XXXX  XXXX Balance : {$28000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX Balance : {$340.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Salary garnishment of almost double the debt. 
Court judgement of which I had no knowledge of a court date. 
I had another garnishment by the state at the same time. 
Retrieved the Court document after the fact which stated NOT SATISFIED by the court. 

Name of the company is Capital One
Consumer complaint received 2020-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

refuses to remove hard inquiries when there is no actual proof of identity such as a drivers license or an actual signature ; XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter reaches you in good health. I am writing to request specific information concerning the method of verification utilized by Trans Union in reporting bankruptcy information. 

Upon recently receiving information from your database indicating a bankruptcy entry on my consumer report, I am seeking clarification regarding the procedures and methods employed by Trans Union to verify and validate such bankruptcy information. 

I kindly ask for the following details : The specific procedures and methods used by Trans Union to verify bankruptcy information.

Any documents or criteria utilized in the verification process.

I recognize the significance of accurate and verified information within consumer reports and am keen to ensure the integrity of the data associated with my profile.

I kindly request your response to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is essential in addressing and resolving any discrepancies related to my consumer report.

Should there be any specific forms or additional information required to facilitate this request, please do not hesitate to inform me.

Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe.
Consumer complaint received 2023-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I received a credit card for XXXX of credit from XXXX on XXXX XXXX for a {$10000.00}. The loan was apart of the XXXX settlement in XXXX. The loan server at that time was XXXX they filed a lawsuit against me and I filed a answer the case was dismissed in the Superior Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
This loan has been dismissed a loan forgiveness was granted. The Loan was unlawfully sold and transferred after the courts dismissed there claims. The assignment and transfer were illegally conveyed by robo signers after the cutoff date of the alleged trusts closed. The pooling and service agreement clearly stated that all assignments were supposed to have been conveyed 90 days prior to the cutoff date filed with the United States XXXX XXXX. There has been no payment on this Loan since XXXX Recap The case has gone before a Superior Court judge and was dismissed Fraudulent Assignments conveyed after the cutoff date of the trust Loan that was apart of the XXXX settlement
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rubin & Rothman, LLC (NY)

The first time I received a copy of a summons from Rubin and Rothman was on XX/XX/XXXX in reference to an old debt from XX/XX/XXXX for XXXX XXXX  credit card. I know it is time barred and when I s/w the debt collector back in XX/XX/XXXX I told them I had no reciliation on it as it was so old, so he said he was going to put in a denial and I also mentioned it was time barred and he had no reply. Attached is a copy of the old summons from XX/XX/XXXX that they sent to me, it was hand delivered to a residence of XXXX XXXX XXXX, XXXX, NY XXXX and handed to an XXXX XXXX. I have never been a residence of this address and have I never been AKA XXXX XXXX. A XXXX XXXX ( XXXX ) did reside there with a XXXX XXXX and have no knowledge of any XXXX XXXX. 
I was a residence in XXXX County, NY first on XXXX XXXX XXXX XXXX XXXX XXXX, NY from XXXX to XX/XX/XXXX then I resided on XXXX XXXX XXXX, XXXX, NY from XX/XX/XXXX to XX/XX/XXXX and I never received any papers on this until XX/XX/XXXX after I moved to XXXX XXXX XXXX, XXXX XXXX, NY on XX/XX/XXXX. Then on XX/XX/XXXX I received a certified mail for an income execution from the XXXX County, NY Sheriff 's dept. where Rubin and Rothman are looking for me to pay a time barred debt. I have attached all of the paper work. Please advise and help take action on Rubin and Rothman for Violation of the Fair Debt Collection Practice act.. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX e-mail XXXX XXXX
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (OH)

I ( the consumer ) noticed a lot of random inquires on my account that I didn't authorize, i think i may have become a victim of identity theft and want these accounts/ inquires removed. I believe I have a right to privacy and I also think that by having this information on my consumer report is a violation of 15 usc 1681.
Consumer complaint received 2021-01-14
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. (TX)

XXXX XXXX XXXX or XXXX XXXX XXXX XXXX is reporting derogatory information to XXXX Equifax and XXXX  The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet XXXX, XXXX Equifax and XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires XXXX to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, XXXX, XXXX  Equifax and XXXX  have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to XXXX remain on my credit file, despite XXXX, XXXX  Equifax and XXXX  being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, XXXX has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

By virtue of the AUTOMATIC STAY, Citibank is prohibited against any and all collection conduct which would violate the AUTOMATIC STAY. Violators may be punished for Civil and Criminal Contempt of Court with the imposition of statutory and huge punitive damages far exceeding any of your disputed claims. Stop prohibited collection activity!
Consumer complaint received 2023-01-24
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. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
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. (CA)

I am a victim of identity theft and have learn that my personal information was used to open accounts at these companies. i have filed a identity theft report with the federal trade commission to support my request. please see attached 3 page FTC report number XXXX Im also including my Drivers license, Social security card and my current utility bill to support my request. i have sent certified mail requesting valid contracts from each company with so response.
Consumer complaint received 2020-03-11
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: EQUIFAX, INC. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX  IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX  CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.
Consumer complaint received 2024-03-20
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. (PR)

I received a copy of my consumer report and found the following account ( s ) to be inaccurate and incomplete : I demanded XXXX and Equifax as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on XXXX and Equifax consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing Equifax are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the Family Educational Rights and Privacy Act ( FERPA ) XXXX DEPT OF EDUCATION Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by Mohela is damaging my name.

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I started the dispute process on XX/XX/2020 sending a total of 6 letters to Equifax about every 35-40 days. There is a closed collection item on my credit report from an apartment complex ( XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ) that is reporting inaccurate information. Equifax has repeatedly stated the item has been verified as accurate from the furnisher. I have a notice from the company stating this. So around XXXX I reached out to the furnisher and asked them for all of the information pertaining to the account, per their request. What I received differs in more than one aspect on Equifax credit report. They have been reporting multiple things incorrectly including the balance. I sent Equifax proof of this information and they have done nothing. Well, they did update the balance 60-90 days after they said it was verified as accurate. And once they updated it, it was still wrong. On top of that I never received a notice of them updating my credit report. It was just updated on report without notice. I feel my rights are being violated. They said they verified it as accurate then realized it wasn't correct and instead of removing the inaccurate data they updated it and it was still incorrect. Is this Fraud? I've kept track of everything and can send all of my letters, proof of receipts and all of their responses as well. I have copy of my credit reports for each month since XX/XX/2020 where I can show theyve made updates after stating they verified as accurate.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I was contacted on XXXX XXXX via my cell phone from a number identified as Chase Bank Private Client Services. The man identified himself as a Chase employee from the security department. He asked me if I had been using my card at a few merchants such as XXXX, XXXX etc. for large dollar amounts such as {$1000.00} - {$1500.00}. I was at home at the time and had not done the transactions. He asked me if I had the card in my possession and I did. He asked me to confirm the card number and I did. He then told me that there was a pending wire transfer for {$17000.00} and asked me if that was mine. I told him it was not. 

I do not know how this next part happened as I do not recall signing into my account via my phone. but there was a legit looking wire transfer screen that showed my account number, the dollar amount referenced above and an input field. He told me that I needed to input the wire amount into the box to put the money back into my account. I did this and I did see the money go back in and then the account zeroed out. I asked him why, and he said it takes a bit to redistribute the money as they had drained XXXX deposit accounts into this XXXX account. He kept me on the phone for about 15 minutes and then hung up.