davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I opened a new checking account with Bank of America in XX/XX/2021. 

I deposited {$290.00} on XX/XX/2021 into my account via Direct Deposit. My account was in good standing. 

On XX/XX/2021 at XXXX I deposited {$1400.00} ( XXXX {$20.00} Bills ) into Bank of Americas ATM ; ATM ID : XXXX in XXXX , Maryland . Which malfunctioned and was unable to fund my account or return my deposit. It asked me the amount and also gave me a receipt of the machine malfunction. 

I stayed at the bank and within 15 minutes I filed a claim via the Electronic Claims number provided. The claims representative informed me I would receive a temporary credit within 2 days pending an investigation and notice via mail. 

I attempted to use my ATM/Debit card to make a purchase the next day and it was declined. I contacted Bank of America and was informed my account was in the process of closure pending the result of the previously opened claim. They never contacted me informing my account was in closure. 

On XX/XX/2021 I contacted Bank of America for an update due to not having access to online banking message center. I did not receive any mail notice. Bank of America informed me the claim was denied as they were unable to retrieve any cash from the ATM and stated video footage showed I did not make a cash deposit which is impossible. 

I asked for proof of the video footage and Bank of America informed me I can file a police report and subpoena the footage. Why should I be put through more emotional anguish by opening a legal process to rectify a malfunction with Bank of Americas faulty ATM machine. Why would Bank of America not openly provide the video footage to a customer ; weird right? 

I asked the representative when my remaining account balance would be sent to me and she informed me the estimated account closure date was XX/XX/2021. How is this possible when I was informed if my claim was accepted I would be sent a check including my account balance that week. Meanwhile I lose {$1400.00} and my remaining funds will be held for more than month by Bank of America which I believe they benefit from in some financial way through interest. 

I have attached the ATM malfunction receipt and proof of my ability to provite the funds I received and deposited. The funds I deposited were Federal Unemployment Compensation due to unemployment because of Covid-19. 

This has severely impacted my already handicapped ability to provide for myself and fulfill my obligation to my rent. I can not easily replace {$1400.00} at this time due to unemployment. I think it is unacceptable Bank of America is allowed to operate claims and accounts in this way. I think there has been foul play in the handling of my account and ATM claim on Bank of America 's part.
Consumer complaint received 2022-11-19
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I wrote TransUnion credit bureau and request an investigation regarding inaccurate information on my credit report which I am disputing. This inaccurate information includes my name, address, employment history, a car loan, ( 2 ) XXXX XXXX credit accounts, ( 1 ) XXXX/XXXX credit account, and all the inquiries on my credit report that do not reflect my true name XXXX XXXX. On XX/XX/2020, I wrote to TransUnion to inform TransUnion that they did not respond to my dispute within the 30 day deadline according to federal law. To this day, I still have not received a response from TransUnion credit bureau.
Consumer complaint received 2020-11-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I contacted Navient thru a complaint with XXXX, my complaint stated that they had reported my student loan as in default for 90 days, when in XXXX I was contacted by a representative from Navient that offered me a forebearance and I excepted and they pulled my credit and I noticed it was approved because the interest increased on the loans, however 3 months after this is when I noticed the 90 days past due notice on my credit report and I contacted the XXXX  and complained, fast forward I spoke with XXXX XXXX Office of the Customer Advocate for Navient and she explained that my loans were not covered by the memo dtd. XX/XX/2020 from the Office of the President that stated loans would not be considered deliquent during this time til XX/XX/2020. After my complaint Navient placed my loans back current, however no sooner than the did this another month popped up delinquent effective XX/XX/2020. I was told by XXXX that she had placed the past due loan in forebearance but it would only last a month and to call if I needed it placed for the next month I told her I'd done that in XXXX, why do I need to call you every month to place a student loan in forebearance? I told her that none of my loans were in a pay status and that no loans were to become past due in accordance with the memo dtd. XX/XX/2020. Navient has unfair practices because she told me to call when the month was out and I did that and the representative, named XXXX that spoke with me was rude and stated I could not qualify for a forbearance and when I asked him why, and informed him that I'd spoken with XXXX and she said that I could call back and place the loan in forbearance, he immediately became aggressive and offended that I'd questioned him and hung up on me. Navient does not assist the student in anyway, their collection practices are sketchy at best.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a )., it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.
Consumer complaint received 2019-06-27
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. (AZ)

XXXX  ; Experian and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.
Consumer complaint received 2020-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (PA)

I am in the midst of applying for a HELOC from XXXX XXXX  and was told my application is being held up because Citi Financial has an open lien on my house. Back in 2003 I took out a bill consolidation loan through Citi Financial but have since paid that loan off in full YEARS ago, my guess is at least 12 years ago this lien/loan had been fulfilled. 

Apparently CitiFinancial never filed the proper paperwork to state that my loan/lien had been satisfied. 

I called the local branch of CitiFinancial and was told by the Branch Manager ( XXXX XXXX XXXX that they were bought out by another company years ago and do NOT have any of the former records from CitiFinancial so he told me to call the Pennsylvania Department of Banking, which I did and that has led me to this complaint. 

I was told by whomever answered the phone at the Pa. Dept. of Banking that I would need to file a complaint with your office in hopes of getting t his lien satisfied. 

My home address, which is the property that has this open lien against it is ; XXXX XXXX XXXX XXXX, Pa. 
XXXX Can you please help me get the proper paperwork I need to show proof that this lien has been satisfied? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (VA)

on my credit report southwest credit systems ls is saying i owe XXXX XXXX and XXXX is charging me early termination fees and i gave all the eqiupmentand the security cameras a early termation fee too. i canceled XXXX they were over charging me and im shouldnt have to pay this kind of money that i dont have and it has been 3 yrs and its not fair i would like them to remove from my credit report i cant get any type of credit or anything and uit has been yrs.it was last reported XX/XX/XXXX and they have it on my credit report is XX/XX/XXXX. i called them 2 times and they are very nasty with me so i won't deal with that company so i asking u for help im tired of fighting with this company because they are nasty and i even went to XXXX  and got no where with them please see what can be done i would like it closed and removed it is not an open account southwest systems just want money and they never in years contacted me ever
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NJ)

I just checked my credit history and noticed I have a delinquent account with a pending collection attempt that has adversely effected my credit score. This is the first time I am aware of this situation, and I am unaware of what the debt is in reference to. I have a perfect credit score, and history - and this debt owed of {$190.00} as stated in my score has changed all of that. I would like this derogatory item explained and removed asap, and am willing to do anything I can to assist in its removal from my credit history. If its real debt owed, ill be happy to pay the amount - so long as they can communicate what its for and promise removal of it from my credit history. This is clearly some oversight and some mistake.
Consumer complaint received 2020-11-10
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DPEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a )., it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (VT)

My credit card account with a balance {$8800.00} of with TD bank was charged off in XX/XX/XXXX and was purchased by XXXX XXXX. On XX/XX/XXXX, I reached an agreement with XXXX XXXX to settle this account in full for {$3000.00} ... {$2000.00} initially and then XXXX payments of {$90.00} until satisfied. I made the final payment in XXXX of XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX confirming stating that " your account has been settled and your debt is now satisfied. '' XXXX  did their part by removing the collections entry from my credit report. TD Bank, however, continues to report this account with a past due balance of {$8800.00}. I have disputed this multiple times with XXXX  and TD Bank has always updated it with the correct info ... only to report it incorrectly again and again. This past month, I disputed it and they refuse to update it with the correct amount of XXXX. I have attempted to call them and they will not do anything other than forward my calls to XXXX XXXX, who while sympathetic, can't help me make TD stop fraudulently reporting my account.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I was wrongly billed by XXXX XXXX XXXX XXXX for what appears to be a bridge toll. The license plate shown in the attached photo on the document that XXXX sent me is not registered to me, never was, I do not own a black or dark colored vehicle, and to top it all off, I have never been in the state of New York. I have never been north of southern Virginia and XX/XX/XXXX was a Thursday and I was at work in XXXX, Florida at the time and date shown. I sent XXXX a copy of their form back signed and dated disputing the debt and thought everything was over with. I was then contacted by Transworld Systems on XX/XX/XXXX at XXXX p.m. and told that my account was in collections with them and I owed them {$110.00}. I explained to them that I do not have an account with XXXX and the debt is not mine and I sent XXXX a response to their bill stating the same. I told the person on the phone that I will never pay a debt that's not mine. The person on the phone abruptly got off the phone with me and I have not heard from them since. A written demand for payment from Transworld Systems arrived to my home XX/XX/XXXX. I have spent almost 10 years rebuilding my credit since filing for bankruptcy in XX/XX/XXXX. I do not want these collections people ruining my credit due to this fraudulent billing. Please help me.
Consumer complaint received 2020-11-10
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)

My identity is compromised and I have been trying to have the listed accounts deleted and blocked from my credit report for months. I have attached the proof showing transactions that were not mine. These accounts are preventing from moving forward and need to have them deleted immediately.
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: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of Equifax data breach I want these items deleted from my credit report effective immediately. I'm attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Lists all those negative accounts from my credit reports that are on your Equifax credit reports. Account names & account numbers and file Your complaint with the CFPB. 

Thank you
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (NJ)

To whom it may concern : I've sent you a request to reinvestigate incorrect items, which you list on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And others, The computer-generated response I keep receiving is unacceptable, and I am losing patience. Suppose the information is not immediately reinvestigated and removed. In that case, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the FTC and my state attorney general. 
Remove these incorrect information immediately and send me an updated copy of my credit history report. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY XXXX  REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX  XXXX  XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX  XXXX  XXXX  ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER XXXX  " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. XXXX IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX  XXXX  XXXX  ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. EXPERIAN IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX  AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. EXPERIAN SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.