davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/scrub> 2024, i looked at my report. I sent a letter to XXXX, XXXX, And Equiefax. on XX/XX/XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX Number XXXX XXXX XXXX 2024 they sent me their invetagtion and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX, XXXX, Equiefax really did not reinvestigation they lied on an offical document saying they did something they did not do.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Bank of America Customer with a checking account with the Bank. I wrote a check dated XX/XX/2022 to the Los Angeles County Tax Collectors office ( LACTC ) to pay my property tax in the amount of {$14000.00}. This check posted/cleared on XX/XX/2022. I reviewed my statement online a few weeks later, and everything from the face of the check was in order, as were all the other items on that months statement. However, on or about XX/XX/2022, I received a notice of delinquency from LACTC. That notice of delinquency was the only way I couldve reasonably determined that there was a problem with the check and that it had been stolen in the mail or by someone at LACTC. I immediately contacted Bank of America on XX/XX/XXXX or XXXX, XXXX and spoke to a customer service rep named XXXX. XXXX advised that the issue was most likely a misallocation mistake by LACTC, as a random individual can not simply take a check written out to LACTC and cash it themselves, according to XXXX. I then proceeded to navigate the bureaucracy at LACTC, and on XX/XX/2022 LACTC informed me that they definitively determined that they never received the check. I then immediately on XX/XX/2022 called Bank of America to file a forgery claim on that check with the Bank. They took my initial information and assigned me a claim number. ( XXXX ). After that, Bank of America never contacted me despite my numerous status inquiries. They never asked me for more information or to fill out any paperwork. They simply summarily denied the claim 90 days after my claim was filed, on the grounds that my claim was outside of the 60 day reporting period for fraud claims under the banks terms and conditions, and implied through boiler-plate language that I was somehow negligent. 

Bank of Americas denial is completely incorrect and in bad faith. First of all, California Commercial Code section 4406 ( f ), which governs here, provides that there is a one year reporting period for forged/non-endorsement claims such as this as opposed to check fraud. Second, theres no way I could have determined there was a problem with the check within the 60 day period as described above. Additionally, I was not negligent, but was victimized by a crime. Finally, Bank of America was negligent forp posting this check without an endorsement and providing no scrutiny. The bank manager at my Bank of America branch subsequently informed me that there are many identical cases involving checks written to LACTC being stolen in the mail and then deposited with forged check endorsements. She said its a big problem right now and that the Bank is aware of it. There are no other instances of check fraud/forgeries in my account this year or for the several years preceding.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I have received at least 3 other collection agency attempts of collections on this issue ; I have provided all of them ( including Credit Management ) with Identity Theft documents via certified mail. They immediately closed their file back to XXXX XXXX? and ceased and desist! Now I get yet another collection agency attempting to collect on a debt that has already been documented as a disputed debt as NOT OWED! Isnt that the definition of harassment?
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (WA)

Beginning XXXX XXXX I emailed my first request for Self to close my account at that time I would have had {$130.00}. left over. XX/XX/XXXX I received an email saying I needed to confirm so their bank would close and once it is done it can not be undone. I sent a confirmation email stating to close account and cancel card. On XX/XX/XXXX I again received an email saying I needed to confirm. I confirmed again and on XX/XX/XXXX I received another email saying I needed to confirm. The same activity occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. By XX/XX/XXXX I'm becoming angry. Self had taken money from what would have been leftover for fee 's and interest. On XX/XX/XXXX I received an email saying that the account was finally closed and card was canceled at this point Self had taken all of my leftover money and began charging me. Last time I saw an email from Self it said I now owed {$23.00}. 
This company claims to help raise a person 's credit score. Whats allowing them to do this to people like myself.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

In XXXX I opened a credit card account only with Bank of America. When attempting to make a payment in XXXX I noticed a checking account was listed on my available accounts yet I didn't open a checking account with Bank of America. I made several calls on XX/XX/XXXX and XX/XX/XXXX. Each time I was told the account was opened online on XX/XX/XXXX. I explained I did not authorize this. I spent over XXXX hours on XX/XX/XXXX and a little over an hour on XX/XX/XXXX to only be disconnected when waiting for the fraud department to answer. Multiple representatives would transfer my call and the next representative would answer only to say they weren't the fraud the department but they would flag the account and transfer me on again. At this point I have no resolution and I do not know how my information was used to open an account that I did not authorize. 

To date I do not know the damage that could have been done, because I can't get Bank of America to take the fraud call and proceed.
Consumer complaint received 2019-01-14
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. (FL)

I was given a eviction notice 3 days to pay rent or vacate property within the 3 days i moved out my outstanding rent for the prior month had been paid 5 months later I'm in the credit bureau owing XXXX there is no verification of me owing that money or any acknowledgement of me agreeing to it I asked that XXXX XXXX along with experian delete but to no avail.
Consumer complaint received 2019-01-14
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. (TN)

identity theft XXXX XXXX an account was opened from XXXX XXXX XXXX ( not my account ) XXXX XXXX  was opened with a hi balance of XXXX and was closed in XX/XX/XXXX not my account XXXX XXXX an account was open and left a balance of XXXX this account is not mine closed on XX/XX/XXXX XXXX   XXXX XXXX  this account was opened in XX/XX/XXXX and is now in collection. this account is not mine XXXX XXXX carries a hi balance of XXXX is not my account closed dedicated XXXX XXXX opened ii XX/XX/XXXX original creditor XXXX  carries a balance of XXXX js not my account. 

XXXX XXXX XXXX opened XX/XX/XXXX { XXXX ) XXXX balance is not mine XXXX XXXX/XXXX XXXX balance was added to my report is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX charge off is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX is not my account Chapter XXXX bankruptcy added in XXXX is not my account
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I paid off my XXXX credit card account XXXX months ago. Experian continues to report this account with a full balance of over {$1600.00}. I have disputed this information XXXX with Experian and they continue to leave the report as is. I am not understanding why Experian can not report accurate information. Again, this account was paid off XXXX months ago : there is no reason why Experian can not update the account information on my credit report. I am trying to obtain a home loan, and Experian is preventing me from doing that. What will it take for Experian to update this report and provide accurate information. This is my second incident with Experian in just under a month. If they can not update my account as they should, then I will need to seek legal representation. This is rediculous. They are in the business to report accurate information, and if they can't do that, then why are they in the business. It's strange that when someone uses their credit card for a purchase, Experian and other reporting agencies, quickly react and send an alert and subsequently lower your credit score. On the other hand, when someone pays off their credit cards ( which is a more positive thing ), it takes months and months for the credit reporting agency to reflect the payment. What is wrong with this picture?
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP (PA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, NJ who obtained financing for my auto loan with Valley Bank. When it came time to have the loan documents signed, the finance associate that they sat us with had my husband sign all of the loan documents, despite the fact that he is not on the loan, only I am. He stated it wasnt a big deal with this bank hes very familiar and theyre not too picky. Not one signature on the loan documents is mine. 
Fast forward to the present on XX/XX/XXXX I made of payment of {$200.00} XXXX my required regular payment is {$800.00}, I accidently inverted the 2 and the 8 and didnt catch it the day of ). On XX/XX/XXXX I made a payment of {$590.00} to make up the rest of the payment, as it was my intention to pay the whole amount originally. On XX/XX/XXXX I was mailed a delinquency notice that my loan was now 15 days overdue. I called the number on the notice, at approximately XXXX on XX/XX/XXXX, and inquired about the notice as I had made my payment, it was just coming through as two by mistake. She was extremely rude, and informed me that the reason I got the notice is because I need to make my required payment, and that the bank doesnt consider partial payments as a regular payment. I informed her that my bank had sent the money, and again stated it was a simple error I corrected the next day, the payment still wasnt due until XX/XX/XXXX. When I finally got her to understand that that was not my intention, that I wanted to make the entire payment by the due date, she found the rest of the money and stated she was going to fix the payment to be applied correctly that day. 
On XX/XX/XXXX I was mailed yet another delinquency notice that my loan was 15 days past due. I double checked my records, as I knew I made the required XXXX payment ( XX/XX/XXXX - {$800.00} payment not due until XX/XX/XXXX ). On XX/XX/XXXX at XXXX am I called Valley bank yet again and spoke with XXXX, who started to tell me I didnt make the required payment. I AGAIN explained the situation, and that it was supposed to be corrected on XX/XX/XXXX ( I was assured at that time I would not pay any late fees and my credit would not be impacted ). She said she had no record of that, and that she had to send it to a supervisory for review. I asked to be put through to the supervisor at which I was told they had to research it and that I needed to call back later in the week. 
I dont appreciate being treated so poorly my loan has never been late, and its a loan that wasnt even signed by me! I would like the CFPBs help in getting this matter resolved, as it is extremely annoying to receive a delinquency notice every month on a loan that is current.
Consumer complaint received 2024-04-01
Product: Credit reporting 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. (TX)

I pulled all three reports recently from all credit bureaus and my score for XXXX is XXXX and XXXX XXXX. Yet for Equifax there is not a score reporting. This is damaging to my credit file.
Consumer complaint received 2022-08-17
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. (GA)

I have asked XXXX XXXXXXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.
Consumer complaint received 2022-08-17
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. (GA)

I have asked XXXX XXXXXXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Upon reviewing my credit report from XXXX on XX/XX/2019 I found gross discrepancies that I have attempted to resolve in the past. I am left with no choice but to file formal complaint against three companies and inform all notified of my intent to litigate if not resolved. Both XXXX XXXX and Portfolio Recovery Assoc are attempting to collect on a Tradeline from XXXX XXXX XXXX with the partial account number beginning with XXXX. First, there IS NOT a XXXX XXXX Tradeline reporting on my credit file. Second, how are TWO ( 2 ) collection companies attempting to collect on the same account? Lastly, in addition to the above gross violations of the FCRA, these companies are attempting to collect two different amounts, for the same bank, with the same account number. As all involved parties should know, credit trade-lines must be reported with 100 % accuracies or be REMOVED from the consumers credit file.
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Account name XXXX XXXX Payments are set to occur electronically a few days ahead of the due date ( XXXX ) Despite being scheduled, I was hit with a charge ( presumably ) for late payment. 
I told them to correct it or I'd be closing the account. The current statement reflects that they didn't make the correction. 
While the amount they're charging isn't a backbreaker, the idea of them doing this to a large number of people is worrisome, and is indicative of criminal behavior/ They were told that I'd be closing the account and reporting them. Now I have.
Consumer complaint received 2022-08-17
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: GOLDMAN SACHS BANK USA (TX)

I have called APPLE CARD XXXX GS BANK USA credit card a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called XXXX XXXX  and told them my situation. I have filed 2 complaints with XXXX and both times I was told this credit card was mine. XXXX told me they have sent my info over to Apple Card -GS bank and that it matches my personal information, but when I called Apple GS they tell me a different story. I want to clear this because I know I did not open this Apple Card and it has really impacted my credit score. I also took extra steps by freezing my credit.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC has placed a collection on my credit report for an account that was previously removed in another action. This has created a new line of credit on my report, and it has also started a process of re-aging a debt that has been removed from all accounts. I do not know why this has occurred. I have asked them to remove this only to receive condescending remarks. This is not my debt.
Consumer complaint received 2020-06-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

Ive notified the three credit bureaus numerous times about inaccurate information on my credit report. Ive expressed to them each time I call that the information is incorrect that they have on file. I was told by one of their representatives that the information was cross referenced. I can not be verified verbally because of this so I have to file on line. This information is constantly being updated on my credit reports. Ive disputed it numerous times and it has not been removed. It has been over 90 days with me trying to have this information removed. Ive sent in a police report in the past, and Im still being asked for additional information. Ive requested that my credit report be frozen due to this, and Im still seeing hard inquiries posted damaging my credit. Ive requested documentation from the creditors with my signature as proof, showing that these are my accounts and I still to this day have never received that, but Ill receive a message that it was verified and they updated it on my credit report. The Applicable Law U.S.C 1746 states that if documentation is not presented with a signature, it is null and void, and Ive not received anything with my signature on it as Ive requested numerous times. The information that they have is inaccurate and its erroneous on the bureaus behalf, because I can not self identify because of the information that they have on file for me. Im requesting that this matter be resolved promptly, because its problematic to me, and its damaging to my credit.
Consumer complaint received 2019-01-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I have contacted Nelnet several times the last time was in XXXX  regarding the legitimacy of a loan they say that I owe for educational services that they say was received at XXXX XXXX XXXX  College inXX/XX/2014 I did attend XXXX XXXX in XX/XX/2014 and began repaying the Loan through XXXX XXXX XXXX and are currently paying through them as of today and this loan was not sold. I requested for a promissory note to be sent to me or some information regarding the origination of this loan in excess of 30,000. Thus has been an ongoing issue and no one will help me figure out where this came from the only option I have is to keep applying for forbearance until I can get this resolved. This has been very stressful And has caused XXXX XXXX and XXXX. I just want this removed from my history immediately.