davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX2019 I picked up a bank of America letter/ package that was a response to the cfpb complaint I submitted. The package/did not have a bank of America letter of response to my cfpb complaint as stated to the cfpb that they were not going to send it thru the cfpb due to privacy issues BUT IT DID ENCLOSE the attached information letter regarding a insurance policy thru XXXX XXXX XXXX XXXX XXXX Main street FOR XXXX and XXXX XXXX XXXX NC It stated special homeowners policy. 
So here is my response attached that would not go thru dated XX/XX/XXXX2019 to bank of America screenshots of what I wrote. 
This again is combining my personal info with other unauthorized persons by Bank Of America. I request a response from Bank of America regulatory XXXX XXXX XXXX XXXX XXXX to explain to me why they would do this to me again. I am also making a monetary award of XXXX milkion dollars under the Gramm Bliley act of 1999 for Bank Of Americas failure to protect both my monies and my personal information. I reserve my legal rights in this matter. 
XXXX XXXX XX/XX/XXXX 2019 2019
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

SECOND REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL (NY)

Apparently on XX/XX/2018, " SYNCB/WALMRT '' made an inquiry on my credit history. I did not authorize this inquiry and I am not certain why they would even do such a thing. Would appreciate an explaination of why this was done?
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld system placed a collection on my credit report in XXXX off XXXX from a collection that supposedly took place on XXXX XXXX. I have never been informed of this account. It also has a natural disaster remark on it and I have never been affected by a disaster. I have tried calling the company several times with no answers or response just their voicemail. They will not return my calls. I do not see how they can just add something to my credit from three years ago without any notice to me that a bill was owed or for me to verify that it is even my bill.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diverse Funding Associates LLC (FL)

On XX/XX/2019 My mother was contacted by a company DNF Associates? regarding further termination of working with XXXX XXXX? Stating that my PARENTS needed to verify ALL of their information, INCLUDING their social security numbers in attempt to send a notice to ME. 
First of all, my parents NOR me are associated with XXXX XXXX in any way. 
I believe they use this as a tactic to be called back. 
When contacted, the company had MY social, MY address, and MY phone number, and I have NO idea how they got me parents information. I am NOT a minor, and the debt they are claiming to try and claim, is not associated with my parents in ANY way. 
When on the phone, the guy was very rude and abrupt and stated that IF he sent ANY sort of validation, that I could not settle the debt and the attorney would take this to court. I asked was it not my right to see what they said I owed? Very rudely, he said yes, he could mail my a validation but then it was out of his hands and there was no way he could help me and I would be sued. 
In addition, to being rude, and abrupt, he has no legal right to contact my parents, as I am not a minor and he legally had ALL of MY information on file.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NJ)

I am a victim of Identity theft and I first contacted Comenity Bank regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX. They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX and XXXX have honored my claim but XXXX has not. I contacted Comenity Bank again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX. It is well beyond the allotted 30 days since it was confirmed that my letter was received and these accounts are still negatively impacting my credit.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to dispute the accuracy of information on my credit report. I have recently discovered several accounts that I did not initiate and strongly suspect to be identity theft. These accounts are negatively impacting my credit score and financial well-being.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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.

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 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 Any other adverse item 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 2023-04-06
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-26
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. (NJ)

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of  the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE  VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any  information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from Equifax. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because Equifax should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (KY)

I have noticed that the balance of my loans has more than DOUBLED out of the blue. I went from XXXX to over XXXX!! That is IMPOSSIBLE and I cant get anywhere with the lenders. I would have to have gotten a ridiculous number of degrees to have this even be feasible. 

Please help!! This is also concerning ; XXXX reported each course as a single loan?? This MEANS it looks to the world like I was awarded many dozens of single loans. THIS RUINS credit scores NO MATTER how good my credit is otherwise! I am beyond upset and overwhelmed and do not know where else to turn for guidance and help.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Hi, Ive submitted a request for debit validation 30 days ago. Today is the first post date and no information has been provided. 

Ive contacted both XXXX and XXXX. 

No letters of validation have been emailed or sent to my home. 

This is unacceptable! 

Both companies have given me a harsh time and are not presenting information I requested, so therefore this items needs to be deleted off my credit report! 

If they can not foster the agreed upon terms they will need to follow protocol and fix this situation. 

Ive been yelled at by 3 different agents. 

Ive attached some documentations Also, Porfolio recovery services has my account listed as open. I do not have any contract with them. 
Thanks in advance.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (FL)

FYI.. none of the prior options to select were pertaining to my issue : I received an XXXX Degree from XXXX   XXXX University in XX/XX/XXXX. Shortly after the school was called XXXX ( so have a degree for a school no longer in existence ). I have continually worked for a non profit organization and have paid income based repayments for over the 10 year requirement ( 12 years at this point ). I had initially sent required docs in XX/XX/XXXX to the Department of education so they would know that after my 120 payments, the balance should be forgiven. At that time I received a response that I had not yet made the required payments so to resend info once that part was complete. They mentioned no other issues. Then in XX/XX/XXXX after all required payments were made I sent a new request. I then received a letter stating that I was not consolidated with the right kind of student loan company ( which offers the option on their website ) so I wasn't eligible for the 10 forgives. My loans have increased by over {$10000.00} after paying for 12 years. Since the school switched to XXXX and XXXX failed, allot of students are having the loans wiped out totally. Apparently I don't qualify because my XXXX degree was completed. ( loan balance now XXXX - for an XXXX ). I am simply looking to get the forgiveness that was advertised on my loan holders website. I consolidated with American Education services. Initially was told I keep federal benefits consolidating through them. Working non-profit I have gone without raises for most of the years I have been here and in fact my income has dropped. Was recently told to reach out to CFPB to see if anything can be done.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. I HAD NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY UPDATED MY REPORT, I'M SHOCKED AND IN DISTRESSED BECAUSE THOSE ACCOUNTS ARE AFFECTING ME IN APPLYING FOR NEW CREDIT.
Consumer complaint received 2019-04-01
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. (LA)

I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX XXXX Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.
Consumer complaint received 2019-09-26
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. (IN)

I was victim of Identity Theft, followed all of the proper procedures after learning of the the situation. I filed my Police and FTC Identity Theft Report. The error was resolved and removed from my credit report. I recently checked my Experian.com and noticed that Experian has added this account back onto my credit file, it is reporting 3 months late and damaging my score/file. I have a copy of my Police Report, this is the same report that Experian received, earlier in the year when I sent them all of my corroborating documentation.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/19 someone called Bank of America claiming to be me and asked that a payment be refunded to their account instead of the account the payment originally came from. Bank of America sent {$4000.00} to an account that I do not own or have ever owned or that has ever been associated with my credit card account. 

I discovered this on XX/XX/19 and called Bank of America right away. They cancelled my card, issued me a new card and told me that they were stopping payment on that refund and that the {$4000.00} payment would be put back on my card. 

I received my new cards but they never put the {$4000.00} payment back on my card, so my balance is still {$4000.00} higher than it should be. 

I have spent many hours on many days trying to resolve this with Bank of America. They still have not fixed it as of today.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (VA)

XX/XX/XXXX became a member of American Express through a timeshare. In XX/XX/XXXX after some issues with finance I put all the bills that was allowed under XXXX XXXX XXXX. At that time American Express had submitted my account to XXXX XXXX XXXX, XXXX. ( XXXX ) Acct # : XXXX which is a collections agency. This account has been paid on time since XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. ( XXXX ) Acct # : XXXX made an agreement. My concern is that it seems American express keeps sending negative hits to my credit account and they should not continue to do this since a collection agreement has been made and is being fulfilled. I am writing you all for assistance because I keep getting a run around from American Express when I call them to update them that their debt is being paid. You are welcome to contact XXXX XXXX XXXX on my behalf my Client ID number is XXXX
Consumer complaint received 2019-09-26
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: General Motors Financial Company, Inc. (MA)

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts XXXX XXXX XX/XX/19 & XX/XX/19 Americredit XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 GM financial XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I Have a few errors on my credit report that need some attention. I would like my current and only address to show properly as XXXX XXXX XXXX, XXXX, SC XXXX. Please remove the following addresses XXXX XXXX CT, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. There is a account the I do not recognize on my credit from XXXX XXXX # XXXX. I would like the current phone deleted ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX they are not mine please delete from my credit file.
Consumer complaint received 2019-09-26
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: ALLY FINANCIAL INC. (MA)

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts Ally Financial XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (WA)

I have done this before in regards to XXXX XXXX with a number of agencies. They continue to list it with agencies who call and report this to my credit. I will not continue to jump through hoops to prove dispute. This last agency Diversified Consultants continued to attempt to get payment out of me after telling them this was fraud/dispute, when i asked for a manager, he told me that it was essentially my fault that this is ongoing, after asking for compliance department was told basically not in their hands and would need to handle this with dish. This needs to stop.