davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I would like to draw your attention to XX/XX/2022, and XX/XX/2022 - I sent my complaint letters to Bank of America, both of which were left unanswered, in which I clearly stated how this scam has affected me personally, psychologically and financially.
Consumer complaint received 2022-03-20
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (VA)

My on-line bank account was breached on XXXX XX/XX/2022 ; during the breach the thieves emptied my on-line savings account of {$10000.00} and charged my on-line credit account {$11000.00}. Since that date, I have been in steady contact with my bank ( Pentagon Federal Credit Union ) concerning the breach. The bank initially responded by freezing my account. Then, after corresponding with them about the way ahead, the bank created an entirely new account for me with a new account number. This allowed me to continue to bank and use my credit card pending the conclusion of the bank 's fraud investigation into the hack. However, time has continued to pass ( almost four months ) since the incident and my savings account funds have not been restored, nor have the funds from my line of credit. I have two concerns : the first, is whether the line of credit ( which continues to show an on-line balance and past due payments ) will affect my credit rating ; and second, that my savings will be restored. I have contacted the bank between 25-30 times since the incident, repeating the story over and over ; been assured that the bank was fixing the problem and other varied explanations and as of this date, have received no relief from the problem. I will provide any additional information on demand. Thank you.
Consumer complaint received 2022-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MS)

Wellsfargo Bank has violated my rights as a consumer that are protected under 15 U.S. Code 1605. WELLSFARGO has mishandled my mortgage debt and has failed me as the servicer of my loan. WELLSFARGO failed to disclose any additional finance charges and escrow amounts within my loan modification. I have been misinformed about all charges and total amount owed on my mortgage. WELLSFARGO has allowed HUD to place an unfounded lien on my property at XXXX XXXX XXXX, XXXX XXXX MS XXXX. In doing so I am being robbed of my earned equity in my property. WELLSFARGO has already been found guilty in the past and present of having unlawful practices in regards to their minority consumers. WELLSFARGO alleges that I owe an additional {$56000.00} to HUD whom I haven't signed any nor entered into any credit transactions with, and also state in my most recent pay off letter that I owe WELLSFARGO {$170000.00} as the final payment to clear the title of all claims by them as my loan servicer. The original credit transaction made 12 years ago was in the amount of {$190000.00}. There is no way possible that I as the consumer owe {$230000.00} as of today. Pursuant 18 usc 8 I owe no debts and the title to XXXX XXXX XXXX, XXXX XXXX MS XXXX is mine free and clear.
Consumer complaint received 2017-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

A month ago, on X/XX/2017, I tried to establish a merchant account with coinbase.com, so I could accept bitcoin payments from my customers. In order to finish the registration, one must undergo an ID verification step ( using a webcam or camera, or phone ). After more than a dozen attempts on different devices ( computers, laptops, phones ), different OS ( XXXX XXXX, XXXX and XXXX ), and different browsers ( XXXX, XXXX ) I am still unable to finish the ID verification process and hence establish my merchant account. The company ( Coinbase ) is not helping at all, I just receive automated responses from XXXX that do not address the issue. Several online forums ( such as XXXX ) are full of complaints about this, and many have reported this issue to you.
Consumer complaint received 2022-08-30
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: CITIZENS FINANCIAL GROUP, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A SECTION 2 : it also states that a consumer report agency can not furnish an account without my written instructions.

.

15USC 1666B : a creditor must not treat a payment on a credit card account or any loan account under an open end consumer credit plan, as late for any purpose.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-05-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AR)

I filed a dispute for unauthorized transactions due to theft and fraud. I wrote a letter requesting provisional credit while an investigation be conducted, and I submitted a police report. I checked my account today and seen Netspend made an update in which they denied the claim with no credit given. My funds per my contract said I would be insured if reported in a timely manner. There is no way an investigation could be completed this fast, with no proof of an investigation.
Consumer complaint received 2017-08-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DE)

I have attempted to Receive a forbearance on my loan because I am back in school. I have called Aes Numerous times. Each time I receive different information. I have attempted to work through email but they refuse and will only discuss details over the phone so I do not have anything in writing. I submitted requests through their online form. In the end I had to wait for a forbearance form to be mailed to my house as they would not let me receive it via email, fax, or online form. The letter never arrived so I had to request again, all the while my debt is piling up. After receiving the form, I faxed the signed portion directly to the processing center. A few weeks later I receive a physical letter notifying I have ben denied because I did not fax the entire agreement, the first page that did not require a signature was missing. At this moment I faxed the entire agreement back to aes, called customer service and waited for a response. Was told to wait. Today, XXXX XXXX I had still not heard an answer and the debt was severely damaging my credit so i called aes. Was notified they only received one page of the agreement the second time and that I was no longer eligible for a forbearance because it has been over 120 days. I have receipts of the fax and phone records as well as screenshots of my form submissions. They have been extremely difficult to work with and seem to have done everything possible to deny and progress towards delaying payments. Previously I had been making payments consistently for 3 years.
Consumer complaint received 2022-08-30
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of TransUnion on XX/XX/XXXX. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter. 

Below, I have provided the details of the inaccurate information on my credit report, along with the required corrections : Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Request : This account was never late. Please correct this inaccurate information on my credit report. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Request : This account was never late. Please correct this inaccurate information on my credit report. 


Inaccurate Account Information Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Request : The reported balance of {$7300.00} is higher than the balance I remember. Additionally, as this account is closed, the past due amount should not be provided. I intend to address this misleading data with the creditor directly. In the meantime, please mark this account as disputed while I work towards finding a resolution. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$42000.00} Request : The reported balance of {$42000.00} is higher than the amount I recall. Furthermore, as this account is closed and charged-off, the past due section should be removed. I plan to discuss this matter with the creditor to clarify the reported data. Please mark this account as disputed until the appropriate corrections are made.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have no association with the listed inquiries and did not authorize any credit application or request that would warrant a hard inquiry on my credit report. This inquiry is not reflective of my financial activities, and its presence is damaging to my credit score and financial reputation.
Consumer complaint received 2024-05-29
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Stratus Financial LLC (CA)

In XX/XX/2022 I took out a loan from Status Financial LLC. I was told that the XXXX of every month I must pay the loan and that the loan amount is subject to change considering it is a variable loan. Even though the interest rate was high on this loan I still took it considering I knew that my credit from this loan would build my credit score so later I could refinance. The only issue is I haven't received any credit even though I contacted Stratus Financial multiple times. I have not made a late payment or missed a payment.
Consumer complaint received 2022-08-30
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. (TX)

I am entitled to a completely 100 % accurate credit report and all three credit bureaus have my address and name incorrect. I have been living at my XXXX, TX address for over 5 years yet a XXXX, TX address is showing up on my credit report and even has an account to it. Also I am a XXXX as I do have the same name as my dad yet my suffix is not added and there are multiple names on my credit report that I do not use as I always include my suffix therefore making most if not all the negative accounts and collections on my credit profile incorrect as they are under the wrong name. All three credit bureaus have multiple versions of my name that are incorrect as I am a XXXX and any name listed that does not contain my suffix eludes that it belongs to anyone else that is not me. And there are multiple accounts that do not contain the correct name therefore my credit report is not 100 % accurate as I am entitled to according to FCRA
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (GA)

my initial credit limit was {$500.00}. I've never paid late or had any missed payments or went over my credit limit. The company DECREASED my credit limit down to {$100.00} on XX/XX/22. this affected my credit score because my balance was around {$80.00} at the time which made it look like i was close to maxing out my credit limit. it significantly dropped my credit score and usage amount due to the decreased credit limit. I submitted a verbal request for an increase and was denied.
Consumer complaint received 2022-03-20
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. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Another lie from this unscrupulous crooked predatory company, there are over 68 of these fraudulent lis saying you can view your results lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2022-08-30
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. (TX)

I am entitled to a completely 100 % accurate credit report and all three credit bureaus have my address and name incorrect. I have been living at my XXXX, TX address for over 5 years yet a XXXX, TX address is showing up on my credit report and even has an account to it. Also I am a XXXX as I do have the same name as my dad yet my suffix is not added and there are multiple names on my credit report that I do not use as I always include my suffix therefore making most if not all the negative accounts and collections on my credit profile incorrect as they are under the wrong name. All three credit bureaus have multiple versions of my name that are incorrect as I am a XXXX and any name listed that does not contain my suffix eludes that it belongs to anyone else that is not me. And there are multiple accounts that do not contain the correct name therefore my credit report is not 100 % accurate as I am entitled to according to FCRA
Consumer complaint received 2023-06-10
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. (UT)

EQUIFAX LLC/INC . AND XXXX IS CURRENTLY LISTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY PERSONAL CONSUMER REPORTS. 
AS I HAVE REPORTED TO THE FEDERAL TRADE COMMISSION ID THEFT REPORT.
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have disputed this ARS account numerous times with experian. This account have not been validated. I have sent a validation letter with the expectation and information that I requested per the validation letter which reads : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I have not received the validation information from this company and they are to remove this negative account immediately from my credit files.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern, I am writing to delete the following information off my file. The items I need deleted are listed in this report. 
I am a victim of identity theft and did not make/authorize any of the following charges. I ask that these items be deleted to correct my credit report I reported the theft of my identity to the federal commission trade, and I also have enclosed copies of the federal trade commissions identity theft Affidavit. Please delete the following items as soon as possible. Thank you in advance. 

Collections : Name : XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. 
Amount : {$540.00} Fraudulent Accounts : Account Name : XXXX XXXXXXXX XXXX Account date : XX/XX/XXXX Amount : {$540.00} Fraudulent Inquiries : Inquiry Name : XXXX XXXXnquiry Date : XX/XX/XXXX Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Personal Loans : Account Name : XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years