davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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 applied for a credit limit increase for one of my credit cards again today XXXX/XXXX/202 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have a written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have taken it upon myself to file a police report in hopes of getting my name cleared from these fraudulent accounts.
Consumer complaint received 2023-05-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (MI)

My Federal Student Loans were transferred from Great Lakes to Nelnet, effective XX/XX/2023. 
Nelnet has not reported my balance, payment history, etc., for the XXXX years of history on these federal student loans which were previously serviced by Great Lakes. 

At this moment, there is no record of any student loan on my credit report. The Great Lakes account has been closed since this transfer took place. 

I have reached out to Nelnet on a monthly basis for the last XXXX months for updates, and they have promised to correct the issue each time. This morning I was told that there was a " supression '' put on my account temporarily while they continue to process the student loan transfer on their side. 

I would like them to report my XXXX year history of on time payment, balance, etc., to all three credit bureaus immediately.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX, I checked my 2 times on the mobile banking app. The last time I had checked was XX/XX/XXXX at XXXX. My account did not show overdrawn at any time. My banking history does show that anytime my account is overdrawn I make a deposit right away. At this time I was charged {$35.00} insufficient fee. I think the fee was not a justified fee because my account was at a positive state on XX/XX/XXXX when I had checked even at XXXX. I requested a refund and did not receive a refund. I am also signed up for mobile alerts and did not receive alerts. I received an email the following day with the information regarding my account being overdrawn.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Citibank was fined {$400.00} XXXX in XXXX, XXXX for money laundering by the Office of the Comptroller of the Currency ( OCC ). In an amazing coincidence, my Citibank Costco XXXX card was cancelled near the peak rewards period one month later. 

Citibank abruptly canceled my Costco Citibank XXXX XXXXard on XX/XX/XXXX due to a negative XXXX credit report for an unrelated {$300.00} disputed bill that went to collections for a XXXX account that was paid in full a month later. 

It is important to note that I had a spotless payment history with Citibank, perfect credit prior to this dispute, and was a Costco customer in good standing for 15 years. Costco could not understand why my card was cancelled. I sent multiple letters to Citibank explaining the situation ( unforwarded billing due to an address change ) and never received a written reply. I received a denial of credit renewal from Citibank on XX/XX/XXXX and was told my Costco voucher of accumulated points in the amount of {$410.00} will be forfeited and I would receive nothing. 

I wrote a letter on XX/XX/XXXX to Citibank explaining the situation in full and that I wanted my cash credit voucher sent to me in full. I further explained that this whole situation smacks of Citibank unduly leveraging small, unrelated credit incidents into a profit-making enterprise by denying elderly customers their rightfully earned reward cash benefits by an aggressive for profit card cancellation policy. 

I received an unsigned form email on XX/XX/XXXX stating I would be contacted shortly. On XX/XX/XXXX a Citibank Customer Service representative XXXX called to state that Citibank would not be issuing my cash reward. 

I would appreciate it if your Agency would investigate this. 
Respectfully, XXXX
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I received notification from a company called jefferson capital systems LLC requesting payment of {$230.00}. the debt is not mines and dated/charged off period of XXXX reporting the negative mark was well within their right, even if it damages my credit standing. As granted by the fair debt collection practices act, I've also fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for their tradeline to remain on my file accept to maltreat, harass etc.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove the account XXXX XXXX from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my Transunion credit report. XXXX and XXXX have removed this account, but XXXX has failed to do so. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (KS)

The. Hsn company. I got hsn account in 2018 and that not I'm hsn. account someone open.the hsn account them self I. Didn't live in that XXXX. XXXX XXXX. XXXX ks XXXX. And you will find out how the person is at all because it won't show up on any. Where at all
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on XXXX. How is this possible for an account that should not be on my credit report? 
It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

CBE Group is reporting an erroneous debt on my credit file that I do not owe! I recently checked my credit and noticed this debt. This debt is very old and not only is past the statue of limitations but it's also past eh credit reporting limit per the FCRA guidelines. I do not owe this debt and it is not mine. This needs to be removed off my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX XXXX XXXXXXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

On multiple occasions the company in question has abused its overdraft fee and caused me copious amounts of money from my own checking account, forcing my account to be deeply in the negative, to the point were a massive portion of my own biweekly check is used to cover said fee.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

I deposited XXXX dollars into my account and a few days later it was closed. I could not gain access to my checking account. Chime requested documents to prove where the XXXX dollars came from and so I sent them my information and proof of my unemployment benefits. Now its been days and radio silence, they have stopped replying to my inquires. During this pandemic things are hard as is and now imagine having your funds locked up and no one answering. I would like for them to send a check to the address on file and close my account. I want nothing to do with their horrible customer service and would like all my funds back.
Consumer complaint received 2021-01-15
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. (TX)

XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA. 

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of two fraudulent transactions on my Bank of America XXXX account one on XX/XX/20 for the amount of {$980.00} and one for XX/XX/20 for {$500.00}. I have been calling Bank of America to get credit for the money I was stolen {$1400.00} and seem to not care about this situation. I have been on and off with the Bank and XXXX and have already filed a police report because I am willing to take this as far as I can to get my money back. I have not been able to pay all my bills and will not be able to pay my rent this coming month, I am a single mother of XXXX children and stressed out of this crazy situation. All I know is that I need to put food on my table and need my money back and the Bank is not assuming responsibility to give me credit for the amount stolen. I have been placed on hold for long periods of time and they hang up on me, I am frustrated and disappointed with Bank of America customer service.
Consumer complaint received 2021-01-15
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 recently sent me a notice that it had updated the investigation into three disputes I have recently made regarding XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have noticed XXXX and the three creditors on several occasions that the derogatory items are not mine and do not belong to me. I sent notice to each creditor and each credit bureau XXXX, Equifax and XXXX of my demand under Section 609 FCRA. This section requires a creditor to provide specific documentation to myself, the consumer within 30 days of receipt of the notice under Section 609 FCRA. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the required information under Section 609 FCRA. 

Although being acutely aware of this, XXXX, Equifax and XXXX have continued to report the derogatory items on my credit report despite being in violation of Section 609 FCRA. 
I am attaching a copy of my notice to the creditor and credit bureaus, a notice wherein XXXX is not allowing me to institute another dispute, yet not requiring the creditors to comply with the required documentation under Section 609 FCRA. This makes ALL parties involved in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. 

I am attaching information regarding a lawsuit filed by XXXX for violations of The Fair Credit Reporting Act, Section 609. Additionally, the statute requires the credit bureau to delete the information being supplied by the creditor after 30 days should the creditor fail to comply with Section 609 FCRA. The CFPB enforces violations such as these. The investigation by the credit bureaus failed to comply with Section 609 FCRA, because the creditor failed to provide the required documentation and I have NOTICED the credit bureaus several times over the past 90 days that the creditor has not complied with Section 609 FCRA, yet XXXX, Equifax and XXXX still continue to report the derogatory item although receiving notice that the creditors have not complied with Section 609 FCRA.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account XXXX XXXX  XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  recently sent me a notice that it had updated the investigation into three disputes I have recently made regarding XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have noticed XXXX  and the three creditors on several occasions that the derogatory items are not mine and do not belong to me. I sent notice to each creditor and each credit bureau XXXX, XXXX  and Transunion of my demand under Section 609 FCRA. This section requires a creditor to provide specific documentation to myself, the consumer within 30 days of receipt of the notice under Section 609 FCRA. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the required information under Section 609 FCRA. 

Although being acutely aware of this, XXXX, XXXX  and Transunion have continued to report the derogatory items on my credit report despite being in violation of Section 609 FCRA. 
I am attaching a copy of my notice to the creditor and credit bureaus, a notice wherein XXXX is not allowing me to institute another dispute, yet not requiring the creditors to comply with the required documentation under Section 609 FCRA. This makes ALL parties involved in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. 

I am attaching information regarding a lawsuit filed by XXXX for violations of The Fair Credit Reporting Act, Section 609. Additionally, the statute requires the credit bureau to delete the information being supplied by the creditor after 30 days should the creditor fail to comply with Section 609 FCRA. The CFPB enforces violations such as these. The investigation by the credit bureaus failed to comply with Section 609 FCRA, because the creditor failed to provide the required documentation and I have NOTICED the credit bureaus several times over the past 90 days that the creditor has not complied with Section 609 FCRA, yet XXXX, XXXX  and Transunion still continue to report the derogatory item although receiving notice that the creditors have not complied with Section 609 FCRA.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NC)

Hello again TD Auto, I am here to kindly ask for a few simple correction on my account. I am not here today to dispute I messed up this account. 

1. Could you be so kind to remove the derogatory from the XXXX  and mark it paid. Account was paid in full 2. Could you be so kind to remove the repossession status in XXXX XXXX and XXXX. The account was closed, you did not lose any money on this transaction, actually sent out to me a very large check. 

3. Can you please remove all comments Thank you!
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc. (CA)

I had received notification on my phone from XXXX XXXX that my credit report had a collection account reported in the amount of {$13000.00} by Credit Consulting. I called Credit Consulting to find out what this was and they told me that it was a medical bill from XXXX XXXX and that I would have to talk to XXXX XXXX. I called XXXX XXXX and questioned the collection and told them that I hadn't been to the hospital in years and that the collection isn't mine. The hospital referred me back to Credit Consulting and told me I would have to deal with them because the account had already been turned over to them. When I called Credit Consulting they started asking me for some of my personal information such as my SSN and my DOB in which I was hesitant about giving but I did end up giving them the information. I thought they would help verify that this was not my account. I left the account alone for a while and didn't worry about it anymore. In the later part of the year in 2020 my wife and I wanted to start shopping for a house. When I went to my lender to get preapproved the collection issue came up again. My lender tried to help me get this resolved and we did a 3 way call on XX/XX/2020 ( myself, my lender and credit consulting ) and spoke to XXXX at the collection agency. She advised us to send a fax to XXXX at credit consulting with a brief description of what our conversation was and to also send a copy of my Identification so that they could compare signatures. We never heard back from them. Meanwhile I called them just a couple of days ago to get a status and they told me that I have to file a claim with you and I have to file a police report for identity theft and give them a copy. I do hope I can get this corrected. It has delayed my opportunity to purchase a home.