davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a statement in the mail from Bank of America. I have no knowledge of this account, nor did I ever open any account with this bank. This bank fraudulently opened an account without my knowledge, permission or any type of verification. How can this happen? They violated the Patriot Act by opening accounts in people 's names without verification, permission or knowledge. I want this bank looked into by whomever regulates banking institutions and reported for fraud. I immediately want this bank to close this fraudulent account and erase all my data. I better not have any fees, checks or anything written or dispersed in my name. Bank of America is solely and fully responsible for any transactions on this account. Furthermore I want a follow up letter with an apology for this happening in the first place and the letter also needs to state this account is closed and a zero balance. Absolutely ridiculous, shame on you Bank of America!!
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-06-13
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. (IL)

Delete this account XXXX XXXXXXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by Experian on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation. 

Delete this account XXXX XXXX  XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by Experian on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Delete for violation.
Consumer complaint received 2022-06-13
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. (IL)

Delete this account XXXX XXXXXXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by Equifax on XX/XX/2022. Delete for violation. 

Delete this account XXXX Bank XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by Equifax on XX/XX/2022. Delete for violation.
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello. I used to be a user of PayPal services science XXXX. I use my account for sending and receive money from my friends and family members. But a few days ago my account has been limited without literally any reason and explanation! I have my own XXXX GBP on it that was sent to me by friends of mine. But now my money held up to 180 days. I found countless cases of PayPal stealing their customer 's money after 180 days! That's why I filled in this complaint. 
At first, my PayPal account has been temporarily limited. They asked me to upload information about myself. Such as Photo ID, proof of address, bank statement, and information about my transactions. They give my case reference ID : XXXX. So I submitted all of the required information. After a few days, I found I can't use PayPal anymore. They even didn't send me an email about this. Then I tried to appeal that decision with PayPal but they refused.

I can confirm I didn't do anything illegal. I just receive money from my friends. This is not prohibited by the PayPal user agreement. 
Please help me to resolve this issue. 
Also, I am a XXXX XXXX  but now located in the XXXX.
Consumer complaint received 2022-06-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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 2022-06-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (WI)

this company has had copies of all my police reports, drivers license, ssn and has already removed their collection once before. now they are back on my credit report and they know its Fraud and refuse to remove it. they should be sued.
Consumer complaint received 2022-06-13
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: CITIBANK, N.A. (TX)

I purchased a hotel on XXXX XXXX. However, I was charged for XXXX different hotel rooms, at different hotels, on the same night. I only booked and used XXXX. The other one was never checked in. 

I disputed the incorrect charge, and Citi credited the account and resolved the dispute in my favor. 

However, after I had opened a CFPB complaint with Citi for a separate dispute for defective merchandise that both Citi and XXXX refused to reimburse, Citi reopened this hotel dispute in retaliation for my CFPB complaint, and recharged my account for the {$360.00} that they previously recognized as incorrect, resolved the dispute in my favor and credited my account, and made the credit permanent.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (GA)

Despite my persistent efforts, these concerns remain unaddressed. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' If my initial request to verify these items, as detailed in my previous certified mail, is overlooked, I will escalate the matter by filing a complaint with the Federal Trade Commission. It's imperative for a reevaluation of the information to occur. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to do so will require the immediate removal of these disputed items from my credit report.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian is refusing to send my disputes out. I will dispute something and 1 day later get a notification back that the creditor has verified the information. There is no way that it can be verified in 1 day. A Prime example is XXXX XXXX is showing 60 days late in XXXX. I contacted XXXX XXXX at ( XXXX ) XXXXXXXX and even they agreed that the late payments for XXXX were not correct because they have not even reported for XXXX yet
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I had applied for Public Service Loan Forgiveness in XX/XX/2017. Before leaving for the XXXX XXXX that month, I filled out the appropriate forms and spoke with a friend representative on the phone to clarify everything and she said everything was cleared and my time in the XXXX XXXX would count towards my 120 monthly payments to forgiveness. I left XXXX XXXX after 7 months and called my provider to let them know of the change, the representative said it was ok and those payments would count. I am currently working for a non profit organization and called to check in with my provider when online it had said I only have 1 payment so far that would count towards the XXXX. This representative let me know that because my loans were not in the repayment period of while I was in the XXXX XXXX, none of those payments would count. I was completely mislead by the previous representatives and now feel very discouraged with where I am in the PSLF process as I thought I had a years worth of payments completed towards the total 10 years, but am actually starting from square one. I am very disappointed by the misinformation given to me by my provider.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OR)

Last year shortly after opening the line of credit, I made a payment and then I was hounded several times a day by the company for another payment before it was due. I told them it was a violation and to never call me again over any payment issues. Today they called me 5 times between XXXX XXXX and XXXX XXXX. They already sent me a statement showing my bill is not due until XX/XX/. They do not verify 3 pieces of information before discussing personal information, and they have zero regard for federal regulations.
Consumer complaint received 2019-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (AL)

Ocean Park funding was emailed about my debt consolodation with XXXX XXXX and they said they would stop the automatic draft. I didnot trust them so I had my bank to put a stop payment on the bank account. However the last XXXX paydays XXXX XXXX has continued to try to take money out of my account. My Bank informed me they have been able to block it but said if the company tried to change the name they could succeed and I would have to come in to the bank for further solutions to the problems. They have tried to take a total of XXXX dollars out of my account. 

I would like them to stop and work with XXXX XXXX XXXX
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I wrote the following letter to Citibank at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Citibank Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from Citibank that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from Citibank. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Neon Newco Corporation (TX)

XXXX XXXX. : XXXX I have requested for XXXX XXXX XXXX to process a refund " claim ''. All the information has been provided by email from " email address : XXXX '' to " email address : XXXX ''. XXXX XXXX : {$68.00} XXXX XXXX : **** **** **** XXXX XXXX XXXX : XX/XX/21 XXXX : XXXX
Consumer complaint received 2019-03-22
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)

I mailed a certified letter to Experian and XXXX  see attached document. 

I asked Experian to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote XXXX and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify these accounts
Consumer complaint received 2019-03-22
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. (FL)

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted XXXX to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Consumer complaint received 2019-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted XXXX  to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Consumer complaint received 2019-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX  .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Consumer complaint received 2023-03-23
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: Bread Financial Holdings, Inc. (IL)

I use XXXX XXXX to monitor my credit and on XX/XX/23 i received an alert about a new account that is not mine, and that I did not open. The company is Comenity Capital/Ikea XXXX They opened in XX/XX/23 and have charged {$8100.00} on it. I filed a dispute with XXXX and after disputing with you will also file a dispute with XXXX and XXXX. I'm not sure what other information you need so please let me know. Thank you for your help.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

TODAYS DATE : XX/XX/XXXX RESURGENT/LVNV FUNDING Account XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RESURGENT/LVNV FUNDING Account XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-03-22
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: Experian Information Solutions Inc. (FL)

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Experian to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.