davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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. (CA)

I called on XX/XX/XXXX to update my name and address, which made a dispute. Due to having those open disputes, I could not see any updates to my online account. To cover myself, I sent in letters on XX/XX/XXXX requesting TransUnion to verify seven accounts and also to remove any names & addresses associated with my account that did not " mirror '' my legal driver 's license, real id identification card, and my social security card that I provided a copy of in the letter they received on XX/XX/XXXX. 

I immediately called when I was able to see my dispute on the portal. The " Completion date '' on the TransUnion portal, exceeded 30 days, so I called. I spoke to a supervisor by the name of XXXX on XX/XX/XXXX, and he told me that the letter that I submitted on XX/XX/XXXX was not sent out until the end of XXXX, and he has no excuse or idea why it was sent seventeen days later and that he would have his boss call me in XXXX business days or I can call the following morning. 

On XX/XX/XXXX, I spoke to another supervisor, XXXX XXXX, who told me that I had no choice but to wait until XX/XX/XXXX, at that the displayed completion date on the portal was accurate, even though I told him it exceeded 30 days and to wait for a call back as there was a ticket in to call me back. 

Then today, XX/XX/XXXX, I spoke to multiple supervisors who sent me to XXXX XXXX, who was the highest supervisor, and he told me there was a dispute on XXXX over the phone for all seven accounts. I do not recall disputing these accounts over the phone or online. He told me nothing was done with my letter from ( XX/XX/XXXX ) and that they have five working business days to send it to the creditors, which would have been ( XX/XX/XXXX ). 
In closing, my certified letter received by Transunion was disregarded, along with the legal documents verifying my identity, along with the accounts needing to be verified were disregarded. There is an open Dispute on XX/XX/XXXX, but I don't believe it is tied to my certified letter, and if it is by law meaning, they have to provide me with an update, but according to all the supervisors, I have communicated my concerns I couldn't get a straight answer. I was told I will not receive a response on XX/XX/XXXX by all the people I communicated with. Instead, I should expect an update now by XX/XX/XXXX ( 43 days from when I sent my Certified Letter ), which is why I am filing a claim now because I was told I would not get a response by the XXXX. Obviously, someone dropped the ball, and I shouldn't have suffer due to TransUnion 's error.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (VA)

I have received my credit card statement and my due date fell on the weekend. One was XXXX/XXXX/XXXX and the other was XXXX/XXXX/XXXX. In each case my payment was made on the first business day following the weekend. I was charged a late fee by Wells Fargo Financial. My understanding was that if the due date fell on a non business day, the payment will be due the next business day. Is this correct?
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: REGIONS FINANCIAL CORPORATION (TX)

Im being told that I owe XXXX for a card Im very unaware of The card was opened back in XXXX of XXXX  Also shows a secured loan and a bank account that was used as well Where withdraws and deposits were made I just settled the same case with XXXX XXXX which I did not have at all but it finally got closed after 3 months of me being told my info was verified
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AFNI INC. (CA)

I need that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date your receipt of this request for validation : 1. Name and address of alleged creditor : 2.Name on file of alleged debtor : 3.Alleged account # : 4.Address on file for alleged debtor : 5. Amount of alleged debt : 6.Date that this alleged debt became payable : 7.Date of original charge off or delinquency : 8. Copy of the contract and any amendments as this will show what the terms of the contract so I can see if you are following this in the amount you are trying to collect from me ; + 9. Was this debt assigned to debt collector or purchased? 
10. Purchased agreement if the debt was purchased so that I can see if you really own this debt : 10.Agreement that bears the signature of the alleged debtor wherein I agreed to pay creditors.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (VA)

I would like to state that Experian and XXXX is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Experian or XXXX written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow Experian or XXXX to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian and XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Experian and XXXX wants to continue doing business with me they should delete these inaccuracies from my consumer report.
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery XXXX XXXX based in Virginia- is committing consumer Fraud and Harassment- they left a voice mail identifying me by name saying that they were attempting to collect a debt. ( I do not have any debts in collections. Any debt I do have is paid regularly and on time. ) I called the XXXX number ( the call I had received was a local number. ) the woman asked for my SS #. I did not give it to her. She said she could not give me any information about why they were calling without it. I have not received any mail or letters regarding any of this. I went to their website and demanded a debt validation letter. ( See evidence below ) If this is legitimate then they should have to prove it. 
This is fraud. My credit monitoring company alerted me of a fraudulent attempt to secure a loan and I stopped it from being approved. I locked all of my credit reports in XX/XX/2021. This attempt to collect a non existent debt and find out my social security number is illegal. My credit report is clean with no past due payments and no collections owed. Please help. I have read that they ruin peoples credit ratings fraudulently. Thank you.
Consumer complaint received 2022-08-31
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. (MD)

Fraud and identity theft have been committed by Equifax/XXXX XXXX 
I ask for a validation and verification of all items on my credit report. Equifax failed to provide forensic auditing of all inquiries and accounts being reported on my consumer report. This is causing immense hardship. I need to speak with Equifax and his/her registered agent. Several laws are being violated that I am aware of and I want to know who is going to take accountability of the fraud that's being committed.
Consumer complaint received 2022-02-24
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. (VA)

I would like to state that XXXX and Transunion is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX or Transunion written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX or Transunion to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX and Transunion allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX and Transunion wants to continue doing business with me they should delete these inaccuracies from my consumer report.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

Citibank NA closed my Sears credit card for inactivity when in fact there are no XXXX XXXX or XXXX stores. I do not shop on line as I am a former IRS employee whose background information was stolen from the federal records database in XXXX of XXXX. 

Citibank NA reported the closure of my oldest credit card ( XXXX XXXX initiated in XXXX ). The closure will undoubtedly affect my credit bureau scores. 

I am requesting assistance in this matter as it has a negative material effect on my financial status. Citibank NA refuses to offer me any recourse.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-02-24
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: Merchants Adjustment Service, Inc. (KY)

I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX  ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BoA XXXX Debit Card claim # XXXX There were many back to back to back fraudulent purchases made using my BoA XXXX Debit card from XX/XX/XXXX to XX/XX/XXXX. The fraudulent charges totalled {$2300.00}. They were approved despite no one knowing my name ( on the card ), my address, email address, phone number, PIN, card expiration date, XXXX digit security code. 

I've never used this BoA XXXX debit card which was kept in a locked closet in my bedroom! So no1 could've known any of the details needed to approve on line charges! 

I was not notified of those fraudulent charges, even though " Notify via email of suspicious charges '' alert was set. No email, no phone call, no US mail. BoA says they did not have my phone number but it was on 2 other accounts I have with the bank. When a BoA fraud specialist called to activate the new card she asked me for the last 6 numbers of my other BoA debit card which is proof they could've found my phone number from that account. 

When I learned of that via BoA automated phone call, I filed a complaint same day-on on XX/XX/XXXX which went to BoA Executive Escalations. 

Today, I received 2 letters in the US mail dated XX/XX/XXXX and XX/XX/XXXX4 stating my claim had been REJECTED/DENIED because the fraudulent charges were made > 365 days from the date of my claim. NOT TRUE! The charges were made 4 and 5 months before I filed my complaint- NOT more than 365 days before! 

Each time I call or email BoA XXXX Debit Card services I ask for further escalation and phone call from their Fraud Executive, but nothing happens. Worse is the letter dated XX/XX/XXXX which states : " We've completed an additional review of your case and concluded that our original decision was correct. '' That added insult to injury!
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (IL)

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law.

Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation of not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's a forgery and misleading when the courts do not report this type of account. 
XXXX XXXX Bankruptcy ( XXXX ) Case Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

I purchased a new washer and dryer from XXXX. It was delivered damaged so I refused it and they did not show up twice for the rescheduled delivery so I cancelled the order. XXXX processed only a partial refund however. The order total was {$2500.00}. They processed two refunds. One for {$2000.00} and one for {$360.00}, leaving me with a balance of {$170.00}. I filed a dispute with Synchrony for the {$170.00}. They denied the dispute based on information from XXXX stating the items had been picked up. The information they provided showed my receipt as well as a screen print from their system showing picked up items. However, the screenshot was of someone elses order and the items in the screenshot do not match those on my receipt. I notified Synchrony of this as well as provided screenshots of the XXXX website showing the items had not been picked up. And their response was to congratulate me that XXXX 's had already credited me the {$2300.00} and my dispute was approved. However, this still left me with the balance of {$170.00}. So my dispute was not resolved. I contacted Synchrony by phone today t ask them to resolve and their response was they would open another dispute and see what XXXX has to say. This is unacceptable.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent off an certified letter to XXXX XXXX to validate an debt. They sent me back an letter stating that the debt was indeed valid however there is no contract showing my signature where i agreed to pay any outstanding balance and they have violated my rights according to the FCRA In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (CA)

I was promised by XXXX XXXX sell representative, immediate hire after completion of training. I was not hired and I didnt not receive any help for jobs interviews like they XXXX XXXX promised. I was also not given a certificate of completion to be able to show at interviews. Not one of the the students that attended with me during that time received certificate or got hired as a medical assistant. I have informed Nelnet several times about this fraud and according the Neltnet there is nothing to be done. 

This happened in 2005 my total amount owed to Nelnet is {$10000.00} that I have not been able to pay.
Consumer complaint received 2022-08-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, LVNV FUNDING LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2023-06-25
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: EQUIFAX, INC. (TX)

This account XXXX does not belong to me. I have done research and discovered it is a secured card. I dont need a secured card as I have a credit card with my XXXX XXXXXXXX XXXX XXXX! Please REMOVE this its extremely damaging to my credit. 



Please also remove the address XXXX XXXX XXXX And the phone number XXXX from my credit report as these are other fraudulent things open in my name.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Since my last complaint to Bank of America and the CFPB my bank of america checking account does not work the same and I will be closing it soon. Today i was charged {$35.00} for an {$8.00} overdraft fee which the bank did not notify of or give me a chance to correct even though I added money to the account shortly after I noticed.

I had a similar issue a few months back and since then my account has not worked the same despite me being a customer for over 10 years. for example in the past i was notified and the bank would give me up to 24hrs to add money to me account.

When I spoke to the customer service rep she said there was a block on my account that is not allowing her to issue a credit for the {$35.00} fee I received for an {$8.00} charge despite the ceo saying back in XXXX they would no longer charge overdraft fees. and for my account to be singled out despite being a customer for over 10 years sounds like someone in bank of america 's customer service department is abusing their power.