davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (GA)

Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

See attached letter and supporting documents on my attempts to resolve this issue. 

I have already submitted Complaint Number XXXX and it has been closed by CFPB but the issue has not been resolve. I am submitting another complaint against Bank of America now because they told XXXX XXXX that they would reopen the case and provide a response in seven to ten business days from XX/XX/2023 and we have not heard anything ( pass the buck ). 

This is so unfair, frustrating and my next steps will be notifying XXXX XXXX for help and filing a lawsuit.
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, a direct deposit of {$1100.00} was expected to be in my account. I contacted my HR  company ( XXXX to follow up. ) My HR company informed me to allow them 3-5 business days so they can collocate a trace number. 
On XX/XX/XXXX, I again contacted my HR  company and they informed me that the money had been received by CHASE, and they had placed the money in the incorrect account. My HR  company provided me with trace number XXXX. 
On XX/XX/XXXX, After speaking to my HR  company I contacted the bank and provided them with this trace number. The bank representative XXXX, informed me that they needed the incorrect account number to locate the funds. I provided the bank representative with account number XXXX and routing number XXXX, and she informed that she had located the funds. She informed me to wait 2-3 business days for the money to be relocated to my account. I was provided with claim number : XXXX. 
On XX/XX/XXXX, I found that the funds were still not available in my account. I contacted CHASE, and Supervisor XXXX informed me that the individual that I spoke to on XX/XX/XXXX, had lied to me and that they could not locate the money, and they could not assist me with my claim. I later to request to claim number, and spoke to representative XXXX, and he informed me that they had located the funds, but could not reverse the funds to my account, because the funds had been placed in an active account, and a reversal needed to be done though my HR  company. 
At this time my HR  company is unable to help me because the money was received by CHASE, and CHASE is refusing to assist me. I need this money to stay afloat and pay for my rent and lively hood. This is causing me great distress. Thank you advance for your assistance on this case.
Consumer complaint received 2022-11-05
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. (NV)

1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acountff i need accurate data points I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed Current account/was 30 days past due date Worst Delinquency 30 days past due None Reported 30 days delinquent Balance {$11000.00} {$11000.00} {$11000.00} Credit Limit {$11000.00} {$11000.00} {$11000.00} Credit Utilization XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I never did anything fraudulent on any bank accounts. My identity must have been stolen. I contacted Bank of America several times about this. I was homeless at the time when this was suppose to have happened. Also XXXX Bank also I never did anything fraudulent I was homeless. And I had a bank account with XXXX Bank and had no problems. Went to open another bank account and all of these fraud alerts are stopping me from opening account to buy my home. I
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to formally file a complaint regarding an ongoing issue with unauthorized credit inquiries appearing on my Trans Union credit report. Over the past year, I have encountered multiple instances where inquiries were made in my name without my authorization. Each time an unauthorized inquiry has been identified, I have promptly contacted Trans Union to dispute the inquiry, expecting them to investigate and rectify the situation as mandated by law. 

However, the response from Trans Union has been both unsatisfactory and concerning. Instead of taking on the responsibility to investigate these unauthorized inquiries, Trans Union has repeatedly informed me that it is my duty to dispute these inquiries directly with the creditor or lender involved. This guidance is not only inaccurate but also misleading, as it shifts the burden of proof away from the credit reporting agency, contrary to what is required by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, it is the responsibility of the credit reporting agencies to investigate disputed information, including unauthorized inquiries, and to remove or correct any inaccuracies found. 

The failure of Trans Union to fulfill its obligations has caused me significant distress and has potentially impacted my creditworthiness. Unauthorized inquiries can have a detrimental effect on a consumer 's credit score, and the presence of such inquiries on my credit report raises serious concerns about the security of my personal information and the potential for identity theft. 

I have made multiple attempts to resolve this issue directly with Trans Union, to no avail. Their continued insistence that the responsibility lies with me to dispute these inquiries with the creditors is not only a misrepresentation of my rights as a consumer but also a blatant disregard for their statutory obligations. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to assist in resolving this matter. I request that the CFPB investigate Trans Union 's handling of unauthorized credit inquiries and ensure that they adhere to their legal responsibilities under the FCRA. It is imperative that these unauthorized inquiries are thoroughly investigated and removed from my credit report if they can not be verified, to restore my credit score and protect my consumer rights. 

I am prepared to provide any additional information or documentation as required to support this complaint. Thank you for your attention to this matter and for your assistance in upholding consumer rights and protections.
Consumer complaint received 2020-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CSO Financial (OR)

I received a letter from Credit Services of Oregon in XXXX or XXXX of XXXX saying was in debt for {$1100.00} to a doctor I visited back in XXXX. I had not received any billing requests from the company in question back and I assumed my medical insurance covered the cost. I looked on-line and found the statue of limitation in Oregon for debt collection is 6 years so I thought this must be one of the Zombi debt issues and I ignored it. Everything I read online said that I would get a notice if one of these silly debts was going to court. On XX/XX/XXXX my employer received a garnishment request from the State of Oregon for the {$1100.00}. I never received any notice of a hearing where I could contest the debt. As of tomorrow XX/XX/XXXX I will have sent a certified letter requesting more information on the debt in question. Although " ORS 646.639 section 4a '' states : '' A debt buyer or debt collector acting on behalf of a debt buyer engages in an unlawful collection practice if the debt buyer or debt collector : ( a ) Files legal action against a debtor or files legal action to attempt to collect a debt if the debt buyer or debt collector knows or after exercising reasonable diligence would know that an applicable statute of limitations bars the legal action to collect or the legal action to attempt to collect the debt ; '' the State of Oregon XXXX XXXX still approved the judgement, even including the statement " A judgement was entered against the Debtor for the debt, or the debt otherwise became subject to garnishment, on the XXXX day of XX/XX/XXXX. '' I XXXX XXXX XXXX over 15 years ago. I know everything was paid up back when this took place but I can not prov it. I was never given the chance to even dispute it nor did I received a letter that this was going to court. Now I have a garnishment with my employer ( super embarrassing ) for a debt I didn't even know existed. This does not seem right.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX my husband and I went to Citibank in XXXX, CA to open up a {$100000.00} checking account, {$100000.00} savings account, and {$460000.00} CD. There was to be a {$1000.00} bonus added to the checking or savings account as a new customer. This never happened. 

In XXXX, XXXX we received a letter stating that due to lack of activity, the accounts were being closed. My husband called the bank and was told he needed to speak to XXXX XXXX, Citibank Relationship Manager. She looked into the problem and said it was not related to this account, that there it was related to an account in LA, previously set up by XXXX XXXX mother, XXXX, now deceased. The account previously put in XXXX XXXX  account. XXXX spoke with XXXX XXXX and said everything was OK, there was a question on the trust. 

Next thing we know, our accounts which we opened up were closed and all the money was sent back to us. When XXXX tried calling XXXX to find out why this was done ( we never wanted them closed ), she never returned the phone call. 

This is fraud!
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

On XX/XX/2022 GENESIS CREDIT MANAGEMENT LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GENESIS CREDIT MANAGEMENT LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I have a membership with Experian. Experian recommends credit cards on my profile based on odds of approval. So I decided to try luck with XXXX Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since Experian is recommending for me to apply. Also, I believe XXXX should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that several unauthorized accounts have been opened in my name without my consent or knowledge. This is a blatant violation of my rights as a consumer and has caused significant distress and inconvenience. 
DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I contacted Experian about some inaccurate accounts on my credit report. They verified these accounts through automatic verification which I did not consent to. they have violated my rights and these accounts should be removed immediately.
Consumer complaint received 2023-03-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Went to XXXX XXXX in XXXX XXXX  in XXXX and School was closed for preditory lending. I was sold on classes that were not pretaining to my corse of study also forced to take the loan knowing full well there was no way I could pay them back. 

A personal loan was taken out with XXXX XXXX, after XXXX was forced to close Navient took over the debt from XXXX XXXX and now requesting payment. 

Since attending I was in a XXXX  XXXX and was never notified of the submittal to settle as my attorney handled all debt, During that time Navient was not allowed to contact me of the debt, Now that the XXXX  XXXX is clear Navient is trying to collect. 

This dept should fall under the pending law suit settlement announced on XX/XX/XXXX by CFPB that Navient settled XXXX in debt cancellation.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : OK STUDENT LOAN AUTHOR XXXX Balance {$900.00} XXXXXXXX XXXX  XXXX XXXX Balance {$8500.00}
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX and Experian are still reporting a bankruptcy that does not belong to me. XXXX has removed the inaccuracies and I sent a letters for both XXXX and Experian to follow suit. I also was told that it was verified with the court in which the bankruptcy was filed. I reached out to the court in XXXX sc and Got a written letter that they dont verify such items and the letters I was sent from both XXXX and Experian said it was verified through the courts. Now there is a big discrepancy.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute and request the immediate removal of a charge-off entry from my credit report due to incorrect balances associated with the account. Despite multiple attempts to rectify this issue, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I have diligently reviewed my records and can confirm that the reported balance is incorrect. Furthermore, I have made efforts to communicate with the original creditor to resolve this discrepancy, but to no avail. Despite my best efforts, the inaccurate balance remains on my credit report, causing undue hardship and unfairly tarnishing my creditworthiness. 

I hereby formally request that the charge-off entry be removed from my credit report immediately and that any associated inaccurate balance information be corrected. Additionally, I request that you provide me with documentation confirming the removal and correction of this erroneous entry. 

Timely resolution of this matter is of utmost importance to me, as it directly impacts my ability to access credit and make important financial decisions. I expect transparent communication and diligent action on your part to address this dispute promptly and satisfactorily. 

Failure to correct this error in a timely manner will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}.
Consumer complaint received 2023-05-28
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. (IL)

XXXX XXXX XXXX XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT XX/XX/XXXX
Consumer complaint received 2023-05-25
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-04
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. (CA)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}