davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX, Navient put a delinquency on my credit report even though I paid on-time. The adverse record, caused serious problems with my other creditors, as my limits were taken away because they saw the delinquency. The removal of my limits, has dropped my credit score. On two occasions, they have gone on my credit report in error. Although one has been removed, it still continues to adversely effect my other creditors, because when they ran the credit report that month, it was listed on my credit. I was not late, I paid my payment, they lied and said that I was late. It is difficult to figure out exactly when my payment is due, and how much was due, so I called and was instructed by a representative on XX/XX/XXXX that as long as I pay my payment by XX/XX/XXXX, that I would be kept from being reported. He suggested that I pay sooner than that date, to avoid late processing, so I set up an automatic withdrawal set to post on XX/XX/XXXX. The money was removed from my account, but they still reported me to the credit bureau. Navient calls me day and night, and sends me letter after letter, even though I told them that I have been recovering from XXXX XXXX XXXX and can not even afford to pay for my prescriptions. I struggled to get the money together to pay them, and even when I did pay them, they still report to my credit.
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Columbia Collection Service, Inc. (OR)

Columbia collection company has cancelled my payment arrangement twice and then immediately garnished my bank account for debt repayment. They took my boyfriends workers compensation money out of our account in XXXX 2014. Now they sent me a letter saying I defaulted on my new payment arrangement because it closes every six months. I 'm apparently supposed to re start it or they consider it a default and garnish my bank account again. What can I do?!!
Consumer complaint received 2022-07-25
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. (MO)

INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Account # 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 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

While in the process of closing an existing savings account and requesting the balance be transferred into my 49 year old checking account on XXXX XX/XX/2022, a Bank of America associate inadvertently closed my checking account. I contacted BOA immediately to report the problem, and subsequently on three different occasions between XXXX XXXX XXXX XXXXo request my checking account be immediately reopened. Although I was promised by numerous BOA associates and a " floor supervisor '' the problem would be resolved, BOA went through a series of steps to reopen, then re-close my checking account, while subsequently taking the balance in my checking account, and reportedly mailing me a check for the balance ( I have not received ), and leaving the " now '' re-opened account with a {$0.00} balance. As a result I've been left without any access to my money, unable to make ATM withdrawals, or use bill pay to address outstanding bills. BOA was easily able to close my account against my instructions, but unable to reopen my account quickly at my express direction thus putting me in a very precarious financial position.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AR)

I have made several request to Equifax to remove a fraudulent account that I do not owe them. I sent a identity theft affidavit as well as a picture of the persoon who di on and who was arrested for the crime. He has the same name as me and they st ill left the account on my report.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

I have tried to resolve the issue by contacting Synchrony Bank since XXXX. I have contacted them about this Lowes account on several occasions to inform them that it was identity theft. The last Statement I received was on XXXX for {$10000.00}. They always respond with they will do an investigation but always have come back with I am still responsible for the bill. I have also had the same problems with Synchrony Bank concerning TJX dating back to XXXX for a statement of me owing them over {$2100.00}. I have contacted business consumer alliance in regards to this matter however After two attempts they did not get a response.
Consumer complaint received 2018-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX THE CUSTOMER SERVICE DEPARTMENT WOULD NOT HELP AND TAKE CARE OF THE NEGATIVE INQUIRES REPORTING TO MY CREDIT REPORT.
Consumer complaint received 2022-07-25
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. (NV)

In accordance with the Fair Credit Reporting act Account # 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX XXXX account number : XXXX Payment amount : {$590.00}
Consumer complaint received 2021-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, I was the victim of identity theft on XX/XX/2019. The thief stole {$15000.00} out of my checking account through a series of charges that were labeled " XXXX XXXX ''. I have reached out to my bank, Bank of America, and told them what happened but they refuse to reimburse me the stolen money. I have been very patient with them and with the claims service, but to no avail. They seem to think these were legit charges that I made myself, and not theft. I have explained to them many times what happened and even faxed in a written statement, making my case, but they won't listen. Any help you can offer in getting Bank of America to reimburse me the stolen money would be greatly appreciated, thank you.
Consumer complaint received 2023-03-15
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. (CA)

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. 

Account name : XXXX bank # XXXX, Account name : XXXX collect XXXX XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Department of Education/Aidvantage 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 an 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, 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I had lined up a purchase through XXXX to purchase concert tickets. The individual wanted me to send money through XXXX, which I did through my Wells Fargo app. Upon completion of transferring the {$250.00} for the tickets, the individual stopped answering my texts. I called XXXX and spoke to them about my situation. They were not helpful and seemed to not be willing to help me since I went through XXXX.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On the date of XX/XX/22 I mailed a letter to Equifax disputing several accts that had erroneous information on them, & which subsequently are in direct violation of the Fair Credit Reporting Act. Equifax received this letter on XX/XX/22 & NEVER RESPONDED which is against the Law ( FCRA ). On XX/XX/22 I mailed out another letter concerning this matter & AGAIN Equifax DID NOT RESPOND. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is hurting my credit score & in direct violation of the FCRA : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX I have given Equifax more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They refuse to do so. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2019 I tried using my card on my trip to XXXX. The account was suspended and when I called Fraud protection, who stated that there were suspicious charges and that the account is suspended and needs to be reviewed. They did not give me any answers as to why it was suspended and informed me there was no one else I could talk to. I could not confirm the charges with them and was given no other options. Ive been stuck in a foreign country with no access to my only means of money and the company wont help.
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (AL)

Consumer has made a previous complaint to CFPB about Diversified Consultants in which they responded with lies. Consumer e-mailed Diversified Consultants to inquire as to its reason for placing a statute of limitations-barred, bogus wireless bill on both my XXXX and XXXX credit reports. The rep responded that the account could not be located and requested I send my name and address to verify the account. Of course, I refused. The rep first asked for the last XXXX digits of my SS # -that I provided. DCI was quick to place this bogus item on my credit reports but can not find the account in their records and quick to respond with lies to the first CFPB complaint.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (IL)

I attempted to do a streamline refi with Homebridge Financial XXXX XXXX XXXX. They contacted me with the refi. I told them I am filing a Chapter XXXX bankruptcy. Can this still be done, " I asked ''? The loan officer said sure no problem. I also disclosed right away to the loan officer about our loan modification that has been closed and recorded and gave him copy of that too. Our modification lowered rate from XXXX to XXXX and they took a balance off of XXXX estimate. I lost my job XXXX XXXX and Illinois would not extend my unemployment past XXXX XXXX. Well filed BK in XXXX XXXX new loan approved with the Judge XXXX XXXX XXXX. I made first payment in XXXX XXXX on new loan. Anyhow with everything the old loan with homebridge not paid off they said they want interest of XXXX from XXXX thru XXXX XXXX XXXX. They gave me a lender credit of XXXX. I already paid closing costs XXXX for escrows etc. They froze the new loan after I made first payment. 
XXXX and XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX XXXX XXXX XXXX XXXX Il XXXX ... Purchased XXXX/XXXX/XXXX XXXX FHA case # XXXX shows closed XXXX/XXXX/XXXX old XXXX number XXXX Fha new case number XXXX shows only XXXX opened. new loan number XXXX. We are making payments with the collections department of Homebridge since this closing is all messed up. They did not clear the check for XXXX XXXX payment yet??? We will make XXXX XXXX this Friday. Not sure what to do our Bankruptcy attorney is trying to fix but they wont talk to her for over a week now. What is our legal rights on this? I have asked since XXXX XXXX for an explanation since I found out with Homebridge and XXXX XXXX, Homebridge said we will only speak with your attorney. My attorney was requesting the reason either a hud or a breakdown of why they are asking for final amount from me is XXXX. I already paid XXXX in closing costs on XXXX XXXX XXXX. This does not seem to be correct. I asked if they are recalling the modification. The pay off request for XXXX through interest of 4.375 on a loan amount XXXX through XXXX XXXX XXXX. They shaded out the Fha case number as well as loan number. Thank you for your assistance.
Consumer complaint received 2022-07-25
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. (NV)

In accordance with the Fair Credit Reporting act Account # 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. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number : XXXX Payment amount : {$590.00}
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

Since so to late XXXX ( XX/XX/XXXX ), I have been having issues making payment. Twice now and Ive spoken to someone 2-3 times since XX/XX/XXXX and yet to receive a call back from XXXX My account info has not been updated and told the two times I fixed prior to them saying theyd do it and call back, my account can not be found. 

High usage is being reported and I tried to payoff over a month ago. 

I got this card to build my credit, not take it down.
Consumer complaint received 2018-05-09
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. (CA)

Experian is reporting account XXXX/XXXX on my credit file as closed and this account is opened and in current status I have notified them of this numerous times and they will not correct the account to reflect correct information and ignore my requests
Consumer complaint received 2023-02-27
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

According To company Capital one Account was open in XX/XX/XXXX And action was taken in XX/XX/XXXX for amount of {$4600.00}. 
According to the case no application, no agreement, no any electronic mail, nothing except billing statement for purchases, and in the middle of it 6 electronic payments no information for this payments, i try to explain many times this account is not my accounts and i have police report and credit report that show i m victim of Identity theft and Capital one acknowledge this in my credit report, other banks investigate sameler case and admit it was identity theft ( XXXX XXXX, XXXX XXXX XXXX, XXXX ).
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Credit inquiry XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I try explain to them these inquiry were done without my permission
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX reported my payment late in XXXX 0f 2023. I ask them to show proof i was late and they didnt respond. Dates of last payment are inaccurate.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

XXXX XXXX tried to pull a credit report from equifax and there was no respnse from equifax.there seems to be some kind of issue that is not taken care of.
Consumer complaint received 2022-12-01
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. (AZ)

XX/XX/2022 Mailed dispute letter for verification of late payments on credit card accounts on consumer report. Demanded proof. Proof not received and its been over 30 days.
Consumer complaint received 2024-02-12
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX XXXX # XXXX is reporting a debt that is in violation of my 30 day right to dispute. I recently called to settle another debt and was NOT informed about this new collection. If I had been I would have settled it. This is erroneous on their end and they are in violation of my 30 day right to dispute.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I kept getting sent from automated voice message to automated voice message without direction or opportunity to speak to a person or to even address my issue My Capitolone account was paid off XX/XX/2018 and is in good standing but XXXX has a delinquent balance showing It needs corrected They continue to send balance increase offers & card upgrade offers but the incorrect information remains