davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-30
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. (WA)

All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.
Consumer complaint received 2015-11-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

In 2007 my son was trying to secure a private student loan from XXXX XXXX XXXX ( now defunct ). I agreed to help and signed papers to authorize a credit check and a master promissory note, which did not show any interest rate, fees, etc. A week or so after that, I received aFederal Truth in Lending Disclosure. Up to that point I had NO knowledge of the interest rate or total Finance charges. Once I received it, I refused to sign it due to the extraordinarily high interest and fees. My son contacted XXXX immediately and told them that I would not approve it, but they told him that he could proceed with the loan without my approval, which he did and received a check made out to him ONLY ( unlike a private student loan, which I DID co-sign ). 
Since then my son defaulted on the loan and my credit has been ruined by the loan administrator, American Educational Services ( AES ), who have perpetuated this fraud by XXXX. 
I have done everything I can to get this issue resolved on my own and need help. 
The note was initially handled by AES and I received copies from AES of all of the materials involved including the Federal Truth In Lending form WITHOUT my signature. At this time AES has informed me that ownership of the has been transferred XXXX XXXX ( aka, XXXX ), but I can not even verify this as my dozens of requests to that organization have been ignored. 
I need my name removed from this note as a co-signer as I never agreed to the terms of this loan.
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (IA)

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and for myself and will attach my State ID with this complaint for verification purposes. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I traveled to XXXX  on XX/XX/XXXX, stopped at a gas station for gas, and used my Bank of America credit card. On the way home I stopped to buy food, while I was going to pay I noticed that my Bank of America credit card was not with me. I called the credit card immediately to report it missing. They asked me if I recognized a charge of {$980.00} dollars that was recent on my card and I explained that I only use my card to buy gasoline. They said they would open a fraud claim and perform an investigation. I didnt heard from Bank Of American for over a month and I went to my account on XX/XX/XXXX and saw the {$980.00} charges again on my account with a message saying " case # XXXX closed ''. I called fraud customer service again and I was told that they they wouldn't accept my claim because I've shopped at that store many times before, I used my pin, I signed while paying, and I authorized someone to use my credit card. I explained to them that I didn't even know what store was because I was not informed of the store name and what merchandise they bought with my card, because Bank of America never notified me about it and that I only used my card to put gas in my car and I went home, which is 3 hours from XXXX XXXX. I requested the lady a proofs of all the accusations she was doing to me. She told me that they were going to reopen the case. They ignored my claim again and left the charges on my account. Approximately the second week of XXXX I called again and they told me that they closed the case again and that they were going to reopen it to investigate again. On XX/XX/XXXX I got the first letter from Bank of America with my claim denied, and saying they already reported me to XXXX, XXXX, XXXX, XXXX and giving me the same excuses they gave me over the phone. They never sent me the proofs I requested of the accusations that they made me that I had previously bought in that store, they never explained to me what store it was so I could discuss with the person about that fraudulent charge and they never told me what they bought with me card. It is not fair that I have to pay for being a victim of fraud as it happens to millions of people in this country.
Consumer complaint received 2022-01-21
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: NAVY FEDERAL CREDIT UNION (GA)

This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on XXXX and XXXX. I [ 've never had an account nor never benefited from any account with Navy Federal. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX my husband and I purchased our XXXX home. Interest rates were much higher then and several years later we decided to refinance at a lower rate of 7 % -still very high compared to current rates. The loan officer said there appeared to be an error on the original loan. The mortgage had my husband 's name, a married man along with his wife, as the borrowers on the loan, but my name was not on the document. He said it was likely an oversight but of no consequence, he would just correct it. I did n't think about it again. Several years later my husband and I divorced, and my ex husband quit claimed the home to me as part of the divorce agreement. In XX/XX/XXXX it became increasingly difficult to make my monthly mortgage payment. My interest rate was still 7 % and I applied for a Harp loan which would greatly reduce my payment. I was surprised to learn that I could not apply for a Harp or refinance the home because although it was my name alone on the deed of record, my name was not on the mortgage. This Is a very unusual problem. Most people try to have their names removed, especially after a divorce. In this case I was lowering the risk to the bank by adding myself to the mortgage. However, trying to deal with my mortgage company or bank as they are the same, proved to be more frustrating than anything. They did not know what I could do, offer me any help or have any idea how to help me with this situation. The one thing I was told was that they would not add my name to the mortgage. I do n't understand why they would refuse and they never explained so I still do n't know. Had I just left things as they were then, I would 've just lost my house. I had no choice but to use an attorney. From that moment they refused to accept any payments as we were in litigation until there was some resolve. After TWO YEARS, they finally acquiesced to my request and agreed to add my name to the mortgage. The bank then totaled the amount I would 've paid over those two years, which included the principal, interest, taxes and insurance, and simply tacked it on to my loan amount. This also meant that on top of the interest that was included, I would be paying another 7 % on top of that! How is this at all fair or even legal? They took a full two years to decide to grant my request and then profit from taking so long! My situation was exploited and I was exploited as well. Is there any protocol for this type of situation or are consumers simply at the mercy of their banks? And what was the reason for the two years it took for them to finally agree to add my name? Was there any reason to deny me other than increasing their profits by adding up more payments to double charge me interest? How is this practice legal because it feels terribly wrong and unjust.
Consumer complaint received 2021-07-12
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. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2022-01-21
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. (MA)

On XX/XX/2021 sent a dispute to Transunion about the following accounts ; XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account XXXX : XXXX, XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX  Account Number : XXXX. It has been over 45 days since I sent this re-investigation dispute and Transunion have not answer as they are required by the FCRA.
Consumer complaint received 2022-01-20
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. (FL)

I had an account from XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my report.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (FL)

A company keeps reaching out to me and my entire family from various phone numbers stating i owe them XXXX from bestbuy in XXXX. They keep harrasing me and my family stating they are going to take me to court and i must reply within 24 hrs or they will take action in court. I filled for bankruptcy in XXXX. Anything from besbuy after that would have been identity theft or just a scam. I did tell them to give me their company name and proof of such purchases and nothing. I even called bestbuy legal dept and they dont see anything on file.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected 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
Consumer complaint received 2022-10-12
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.
Consumer complaint received 2019-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX  states in her boa regulatory. Letters ofXX/XX/XXXX..attached My sole account of XXXX has had only 2 cards issued to it since XX/XX/XXXX # XXXX temporary in XXXX # XXXX since approx XX/XX/XXXX to present. 
XXXX XXXX from boa regulatory states in his letter of XX/XX/XXXX attached.. that all I had to do was look at my bank statements and the check card # used will be recorded well I have reported this to boa XXXX XXXX XXXX XXXX XXXXXXXX va from XXXX the check card # s are fraudulent. 
In XXXX XXXXXX/XX/XXXX ENTRY ON BOA STATEMENT REPLACEMENT FEE {$5.00} FOR ATM OR DEBIT CARD IN FLORIDAXX/XX/XXXXNC TELLER CASHWITHDRAWAL {$200.00} ENTRY NO IDENTIFYING BANK INFO IN NORTH CAROLIN A ON SAME DAY 2 STATES IN 2 DAY!! 
XX/XX/XXXX ANOTHER ATM CARD # XXXX IN BOA ATM SAME DAY XX/XX/XXXXXXXX XXXX XXXX ENTRY CHECKCARD # XXXX on my statement XXXX XXXX says it was a boa Visa XXXX # Same day XX/XX/XXXXIn state of north Carolina Check card # XXXX stated on my statement 2. Entries of XX/XX/XXXX XXXX XXXX CHECKCARD # XXXX XXXX XXXX CHECKCARD # XXXX XX/XX/XXXX XXXX XXXX XXXX says I was there visa XXXX was used On XX/XX/XXXX on my XXXX boa statement was Entered as XXXX charge Check card # XXXX on my boa statement Again I can't be at 2 places at the same time OnXX/XX/XXXX XXXX XXXX XXXX. SAYS I WAS THERE BUT NO CHARGE ON MY BOA HEY SAY A VISA XXXX WAS USED IN MY NAME BOA VISA. 
I am requesting a true and certified statement and supporting documents for each statement that was made to the cfpb about my accounts sent to me yo assist me in recovering both my monies and my identity. 
XXXX XXXX ++ XXXX XXXX XXXX XXXX XXXX nc XXXX Please Fax me your response letters via my paid fax plus XXXX asap
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I Received verification/ Letters / EMAIL that XXXX XXXX  XXXX XXXX XXXX, XXXX  has been PAID/COLLECTION CANCELED TO BE REMOVED FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES!!!!! 
ACCORDING TO CONSUMER PROTECTION FEDERAL SERVICES AND THE FCRA, AND THE FEDERAL TRADE COMMISSION!!!! 
15 USC 1681 ( A ) ( B ) ( C ) ( E ) STATING INACCURATE INFORMATION AND THE RIGHT TO PRIVACY AND ETC!!!! 
I WANT TO SUE FOR MONETARY DAMAGES FOR ALL THESE YEARS STATING ALL THESE ERRORS ON MY 3 MAJOR CREDIT REPORTING AGENCIES ACCOUNTS!!! 
ALL 3 MAJOR CREDIT REPORTING AGENCIES SHOULD REPORT EXACTLY, ACCURATE SAME INFORMATION!! 
THIS HAS BEEN 2 TO 3 YEARS DISPUTING THESE 2 OR MORE ACCOUNTS!!

30 TO 90 DAYS IS THE LAW TO REMOVE THESE PROVEN TO EXTEND PAST 30 TO 90 DAYS AUTOMATICALLY SHOULD BE REMOVED FROM ALL 3 CREDIT REPORTING AGENCIES!!
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

The 3 credit reporting agencies are violating my rights as a consumer defined by the FCRA to have an accurate and precise report. The account in question is XXXX XXXX. They are all reporting a balance on this charged off/ closed account. In addition, they are all 3 reporting monthly on a debt account that has been closed and written off for approximately 6 years which has lead to undue stress and multiple denials while trying to obtain lines of credit. My credit scoring and reporting has been negatively impacted by their violation and inaccurate furnishing of information.
Consumer complaint received 2022-03-28
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.