davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b Transunion also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX was notified the same as Transunion. 
FCRA section 611 ( a ) ( 1 ) ( a )
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Patient Accounting Service Center (NY)

This is a workers compensation case when I got hurt on the job. I have hired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to represent me on my workers compensation case.. This is a bill from the emergency room on XX/XX/2022. I am waiting for a hearing date
Consumer complaint received 2018-11-29
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. (AL)

I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( XXXX ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still XXXX not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a payment to XXXX XXXX XXXX to pay off my Signature Loan with a Bank of America " Spirit '' Credit Card check. It was check # XXXX. I didn't know it has an Expiration Date on the check in small letters : Deposit or cash by XX/XX/2018. It had an offer ID on it : XXXX. I didn't really look at this check and thought it was good for all time. I was not told anything about this type of check. The date on the check is the date I paid off my Signature Loan. The ATM at a credit union in  Florida OK'ed the transaction and put the money in my XXXX XXXX XXXX . I moved the money from my checking account to pay off my Signature Loan of {$5400.00}. The Bank of America did not accept the check and didn't tell XXXX XXXX XXXX about this transaction. I believe Bank of America has committed Fraud in not accepting my payment even though I didn't understand that the credit card check had an expiration date which the ATM did not catch. Additional programming needs to be put in. It's possible the Bank of America has pilfered millions of credit unions and other banks by sticking the banks with the payment and then not processing the check. By reporting this do I get a reward from the Consumer Financial Protection Bureau? This Bank of America needs to be fined. It's Fraud when a bank won't accept their own issued checks.
Consumer complaint received 2022-06-12
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-10-14
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. (GA)

On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call XXXX  after speaking with XXXX svc'ing and being instructed by the agent at XXXX XXXX  to ask who initiated the dispute they could not provide me with that information. I want this to stop.
Consumer complaint received 2024-02-06
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)

I opened an account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 Ive made sure to make all payments on time on the other hand this creditor is furnishing my credit report with inaccurate information they put I paid 2 months late this isn't true I tried to reach out to them a couple times and. seems as gif they're not trying to update this inaccuracy violating. the fcra rights as we speak 15 USC 1681 sec 602 15 USC1681 SEC 604 A SEC 2 15 USC 1666B above I have listed my rights they are violating
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I previously submitted a complaint on XX/XX/XXXX. The check I received from Bank of America in XX/XX/XXXX could not be cashed because the numbers in the upper right hand corner was missing four numbers. The resolution Specialist did reach out to me to resolve the issue. Unfortunately we never connected. I am providing the emails I have sent her, unfortunately she never respond to me. As I indicated previously if this was me holding the banks money, I would be charged, therefore I am requesting interest on my money
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I have tried to get Enhanced Recovery to send me over proof of this debt and they have yet to do so. I have tried to despite this with XXXX also and they keep saying the debt has been verified but want provide me with the proof Im asking for if its been verified by Enhance Recovery. Its looking like they cant prove this debt and thats again all my right. I have been trying to get this debt settled since 2020 with both Enhanced Recovery and XXXX this is looking like fraud since neither one of them companies want to provide proof of this debt they claim I owe to Enhance Recovery. They letters I send off to Enhance Recovery regarding this debt they want even respond at all and thats again the law. I understand they have a 30 day investigation to do and send proof of what they claim I owe on the debt they have on my credit file.
Consumer complaint received 2024-02-06
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. (CA)

I have reached out to XXXX XXXXXXXX XXXX  and informed them that this account was opened fraudulently and that they needed to remove the account off of my credit report. I then also reported it to the bureaus. They then said sorry it was opened fraudulently and charged it off and closed the account but refuse to remove it off of my account. According to the FCRA 15 US Code 1681eb. I know this is considered a paid debt and they have written it off on their taxes. So therefore it needs to be removed.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OR)

I am unable to get in contact with experian over the phone. I am requesting a temporary unfreeze of my credit, and their phone lines are inoperable, preventing me from speaking to a representative. Instead, I have a robot response that forces me down specific pathways, all of which prevent me from speaking to a human being. I have attempted to do the online portion of the unfreeze, and am met by an error that tells me to contact them, with a given phone number.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

On XX/XX/2018, I responded to an online promotion ( XXXX ) that Citibank was offering : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1 ) Within 30 days of opening your account deposit {$15000.00} into the checking or savings account. 2 ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
[ please see two " citi 400 '' attachments for details ] I was told the bonus will post within 90 days from the date I completed all of the requirements. 
I set up a new Citibank Account Package ( Regular Checking + Citi Savings ) on XX/XX/2018. 
I deposited {$15000.00} into my checking account, which cleared on XX/XX/2018 ( 14 days after opening my account ) [ see " XXXXk transfer '' attachment ], and left it in there for over 60 days. ( 74 days with a minimum XXXX balance ) [ please see attached, dated citibank statements ] It now has been 154 days since that {$15000.00} deposit cleared and I still have not had the bonus deposited into my account yet. 
I reached out to Citibank on XX/XX/2018 via their chat function ( as they have removed the ability to send a Secure Message regarding my issue ), and was told by representative XXXX, the bonus is deposited 90 days after the promotion requirements were fulfilled, you should get the bonus by XX/XX/XXXX. [ see " citi 400 log '' attachment for chat transcript ] It is now after the date quoted by the Citibank representative ( XX/XX/2018 ) and still no bonus has been deposited into my account. 
I have honored the terms of the promotion and feel the bank should be required to honor theirs. 
Thank you for your prompt support in this matter.
Consumer complaint received 2020-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CT)

I was never notified that my loan went out of deferment which is now showing as late payments on my credit report. I am trying to buy a home for my family and these are standing in my way! I never received a phone call about it as well.
Consumer complaint received 2022-05-03
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. (PA)

Hello, my name is XXXX XXXX, and 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (NC)

I made a purchase from XXXX XXXX XXXX in XX/XX/XXXX, I lost my employmentXX/XX/XXXX In XX/XX/XXXX I negotiated a settlement with Conn 's and set up for payments to be deducted from account to settle the debit. File number XXXX  the payments were Debited from my account by Conn 's on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXXfor XXXX   XX/XX/XXXX for XXXX  &XX/XX/XXXX for {$110.00}. I spoke with Conn 's in XX/XX/XXXX and requested if the final payment could be split into 2 payments and I was advised that this could be done and it was set up for the final payment to be deducted in XX/XX/XXXX. I spoke with Conn 's after the final payment was completed and was advised that I would receive a paid in full statement in a few weeks. In XX/XX/XXXXI was contacted by a collection agency that my account had been sent to the by Conn 's, I advised them this account had been paid in full through a settlement with Conn 's. I sent proof to the collection agency who filed a case with Conn 's but per XXXX XXXX of XXXX XXXX Conn 's never contacted them back to settle the account. InXX/XX/XXXX I spoke with XXXX from Conn 's legal department and was provided case # XXXX and told this would be cleared out it is now XX/XX/XXXXI spoke with XXXX in the Corp Customer Service office and was advised that he had requested a close out on XX/XX/XXXX and he would add to the case to get more info to allow another 2 weeks. This is on my credit report and is affecting my credit score, this debt was paid but it looks as though it is not and Conn 's is doing nothing to correct this issue.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

They are trying to collect a debt of about {$300.00} for damage caused to the property where I lived. The damage in question is a window, which without any evidence was charged to me for the damage. 
Again, when I lived in that apartment I pointed out that the window was broken, but they waited for the day after I left to accuse me of breaking it.
Consumer complaint received 2018-06-14
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. (WV)

On Tuesday, XX/XX/XXXX. I logged into XXXX XXXX to check my credit and found that it had dropped 31 points due to student loans. My student loans are not due until XX/XX/XXXX and currently in forbearance so there is no reason why my credit should have dropped 31 points. I called Equifax to find out why they dropped my score by 31 points and got a representative who told me that because I use XXXX XXXX to check my score I had no right to inquire on The reason why my score dropped by 31 points. I try to investigate on their website but it kept timing out and then said I feel the verification authentication segment. Ironically they drop my score 31 points and Im unable to dispute it right now and customer service wont assist me. If my loans are currently not past due and in good standing with XXXX  there should be no reason Equifax should be dropping my score by 31 points. The gentleman I spoke with with XXXX even said my loans were in good standing and not due until XX/XX/2018.
Consumer complaint received 2022-05-03
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)

In accordance with the Fair Credit Reporting act accounts XXXX  XXXX XXXX XXXX, XXXX XXXX has violated my rights and is reporting active and open this debt is a charge off 15 U S C 1681 section 602A states I have privacy rights 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 2021-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

1. Identity ThefXXXX XXXX XXXX  Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-11-29
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. (FL)

XXXX refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX. XXXX  stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.
Consumer complaint received 2018-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX. XXXX  stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting Public record XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my consent. 

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (NY)

I received a XXXX debit card in my name from Chime that I did not apply for. When I looked for a number to report ID theft, there was none to be found but the general customer support. They said maybe I forgot that I opened it! They were to " investigate '' and get back to me. Nothing happened. I send an email to their support general inbox ( again, no ID theft address ) and received a response addressed to my husband! Does this mean there is an account in his name, too? They wanted me to confirm that I don't remember opening the account and send copies of our social security cards! No way! They will not close the accounts or give me information. 

This company has swiss cheese security and is a scam. Please shut them down.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

For two months now I've gone above and beyond proving to Equifax my identity to remove a credit freeze. 
I then get the results, ( two letters disputing wether or not it had actually been removed made it even harder to confirm ) and Equifax has entered my correct legal name wrong into my credit report, ( this already had dire consequenses on my credit in the past ). 

They have entered my first name as " XXXX '' when it is in fact " XXXX ''. 

And they now deny me access to correct THEIR MISTAKE via customer service due to my not having 20 year old mprtgage records that the statue of limitations on is 7 years!