davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

My name is XXXX XXXX. My US federal income tax refund check was set to be directly deposited into my bank account at XXXX in XXXX, Illinois. The amount of the check was {$1100.00}. Unfortunately, my account at XXXX had recently been closed due to fraudulent activity that I had experienced. After that, I chose to not reopen another account at XXXX. But since I knew that my federal income tax refund check was coming directly to XXXX, I asked XXXX if they needed my new address since I had moved after my recent divorce. At that time, XXXX advised me that they would not be forwarding the check to my new address because their bank policy was to return any non-deposited federal income tax checks back to the IRS. Unfortunately, XXXX did not do as they said they would. Instead, when XXXX received my direct-deposit federal tax refund check, they apparently took it upon themselves to cash the check and mail me a bank check directly to my last known address. When doing so, XXXX did not notify me of these transactions so they did not know that I no longer resided at my last known address they had on file. So the check was erroneously mailed to my ex-husband 's home. My ex-husband 's name is XXXX XXXX and he resides at XXXX XXXX XXXX, XXXX, IL XXXX. Without my knowledge or permission, my ex-husband illegally proceeded to take my tax refund check to his own bank in order to cash it for his own personal gain. Unfortunately, he succeeded in illegally cashing my check on XX/XX/2017, by signing only his name to the back of the check, even though my name was clearly stated as the sole payee on the check. The bank at which my ex-husband executed this transaction is U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Today, my attempts to resolve this matter with personnel at U.S. Bank have been completely fruitless, even though they did admit they should never have cashed this check. Instead, they are attempting to place the blame on my bank, XX/XX/XXXX, for erroneously mailing the check to the wrong address. Currently, I am in the process of filing criminal charges with the XXXX Police Department against my ex-husband for his theft of my money. He 's clearly a dishonest person, and I think it is highly unlikely that I will ever get my money back from him. Nevertheless, I firmly believe that U.S. Bank is primarily at fault for allowing my ex-husband to cash my tax refund check without having my signature on it, and without his name even being on the check as a payee. It is my hope that U.S. Bank would reimburse me in full for their error, and then they can worry about pursuing my ex-husband for his criminal deceit. Thank you in advance for your assistance in this matter.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

AS OF XX/XX/2022 - EXPERIAN CONTINUES TO DENY ANY ACCESS TO A LIVE TELEPHONE AGENT BASED IN THE USA - AT THE NUMBERS GIVEN TO BE CONTACTED TO THE CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

EXPERIAN HAS A ROBO-BLOCKER ON THEIR NUMBER AND GIVE THE BOILER PLATE REASON AS STATED BELOW ON THE NOTED ACCOUNT THAT HAS BEEN DELETED FROM MY CREDIT REPORT FILE AS OF XXXX. 

EXPERIAN HAS SHOWN IT ITENDS TO VIOLATE MY FCRA AND FDCPA RIGHTS. I WILL BEGIN INTENSE AND AGRESSIVE LITIGATION AGAINST EXPERIAN - TO PROTECT MY CREDIT HEALTH AND EXPOSE THE ACTIONS OF EXPERIAN TO THE COURT TO RECIEVE FINANCIAL RELIEF. WHILE IT SEEMS THAT NOTIFICATION TO THE CFPB WOULD HAVE A POSITIVE EFFECT - THE LACK OF ENFORECEMENT OF THE FCRA AND FDCPA IN MY CASE HAS GIVEN ME NO OTHER OPTION THAT TO PURSUE AGRESSIVE LITIGATION AGAINST EXPERIAN FOR THEIR CONTINUED MIS-REPORTING AND VALIDATION OF PREDATORY LENDERS- WHO ARE THE DELETED DATA FURNISHERS. 

BECAUSE EXPERIAN HAS EXHAUSTED THEIR TIMEFRAME WITH ME- THIS NOTICE AND COMPLAINT TO THE CFPB SHALL SERVE AS PROOF ( EVIDENCE ) IN MY LITIGATION PROCEEDINGS AGAINST EXPERIAN TO RECIEVE RELIEF FROM THEIR ABUSIVE CREDIT REPORTING PRACTICES REGARDING CONSUMER DISPUTES. 

THANK YOU. 

XXXX XXXX XXXX - CLAIMANT - XXXX
Consumer complaint received 2022-10-11
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 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 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 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

I have an outstanding collection on my credit bureau file from XXXX/XXXX  in the amount of XXXX. I have had several conversations with XXXX XXXX Hospital and asked for a complete statement of account for each charge, which they have not sent. I have now disputed this with the credit bureaus and they say they investigated but how can there be an investigation when I do not see the information and have a chance to say it is not correct? I would like to see my signature on a medical statement proving this is my bill and that I agreed to pay it.
Consumer complaint received 2019-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Back in XXXX of 2016, I deposited a check into my Bank of America account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing Bank of America to request that the negative reporting be removed from XXXX ( XXXX   XXXX XXXX ) and XXXX. I've spoken to several different departments within Bank of America. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both XXXX and XXXX.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CA)

I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Equifax, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Consumer complaint received 2022-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

The provisions of 15 usc 6801 require financial institutions to notify consumers of their sharing practices of consumers no public information. And provide a right to opt out of certain sharing. With out giving me a opportunity to opt out capital one furnished my non public and my ex- spouse who was an authorized user On acc ending in XXXX non public information. To non affiliated third parties XXXX XXXX, XXXX and XXXX. After multiple phone calls with capitol one. They told my ex spouse that the information that they illegally furnished to these third parties such as balance and payment history to his credit profile it. Will remain on his consumer profile. Even though he is not the primary and do not have a agreement with capital one for the account ending in XXXX. Multiple federal laws has been broken. And my rights and my ex spouse rights to as well. Its cleary states in the card hold agreement under authorized you. The authorized user is my not responsible for payment or keep the acc in good standing. The card holder wich is me is responsible for all credit transactions payment and activities. Capitol one made it clear to my ex - spouse that they are not responsible for removing information on account that dont belong to him. I will be contacting Capitol cooperate office ceo of capital one and my states attorney office as well
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Consumer complaint received 2022-10-11
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. (CA)

The insurance company titled XXXX XXXX XXXX XXXX XXXX is reporting to my Transunion report that a policy was opened under my name without my comsent or permission. It then been sent to collections to a company under the name of XXXX XXXX XXXX. It is not fair for me to receive countless emails, mail, & phone calls for an insurance policy that was never opened without my consent or permission. This is a case of idenity theft and has dramatically costs me thousandths of dollars due to my credit report being abolished from some criminals. I Demand XXXX XXXX XXXX XXXX XXXX be immediately removed from my credit report TransUnion is reporting that the insurance policy was initially opened on XX/XX/2021 WITHOUT MY CONSENT OR PERMISSION I DEMAND THIS BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have disputed my complaints about certain credit as I listed in my letter and affidavit about them fraudulently placing their tradeline names on my credit report. I have shown the Experian how legally the alleged amounts, the trade line names, and alleged late payments by these FDIC banks all fraudulent based on laws and process that these alleged loans take place. All the banks and any entity that has purchased the alleged debt are doing so fraudulently. They act as if they have lent something of value to place their tradeline name on the credit report. FDIC banks can not lend their on assets or become surety of someone elses money. This would mean the banks are acting Ultra vires. Yet Experian has not done a legal verification of this alleged creditors and taken them of my credit report.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Balance transfer ( 10.74 % ) being charged ( incorrectly ) AS direct deposit rate ( 17.49 % ) Also no way to contact - Can not get through to customer service. In telephone queue for over 2.5 hours!
Consumer complaint received 2022-10-11
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX AND XXXX *XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-11
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX AND XXXX *XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

In XXXX of XXXX I requested a refund from Aidvantage for payments I made during the XXXX payment pause. There were XXXX payments made totaling {$5400.00}. The representative told me my request needed a supervisor 's approval since it was over {$5000.00} and that the process would take XXXX weeks. 

I followed up several times over the next 2 months and was told to expect my refund " any day now '' and that it was in processing. I proceeded to consolidate my loans in order to apply for loan forgiveness after being advised that it was ok to do so since the request was in processing. When I followed up on XX/XX/XXXX ( 2 months since request ) I was advised that they were so sorry but no one had ever submitted my request but that they would do so then. I was told it would take XXXX weeks from then. I have followed up every XXXX weeks since then and have been assured that things are moving along and that my request is being processed and to expect my refund by mid-late XXXX. 

I reached out to Aidvantage via email yesterday and was told that since my loan had been transferred ( back in XXXX ) that they could no longer submit the request on my behalf as they are not my current servicer. I called them today to question that, and the gentleman told me that was correct and that I needed to try XXXX, my new servicer. In speaking with XXXX I am being told that since my loans are consolidated now that I am unable to get a refund. I requested the refunds 2 months prior to my consolidation and was advised by more than XXXX Aidvantage rep that as long as my request was submitted prior to consolidation that it would still be processed. 

I have now spent nearly 5 months chasing my money and feel that Aidvantage and its representatives were negligent in not submitting my requests as promised.
Consumer complaint received 2022-10-11
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. (NY)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}.