davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, and Experian Ref # XXXX, and 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 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

On XX/XX/XXXX, I spoke to a representative at Nelnet regarding a credit reporting issue, she told me that since my deferment was approved and backdated to XXXX of XXXX that they would be able to remove late payments from my credit report which would take 6-8 days and that by XX/XX/XXXX the problem should be resolved. However, on XX/XX/XXXX I contacted Nelnet and was then told that the late payments could not be removed and that I was given inaccurate information! Later on into the day I called to request documentation stating the day that my deferment was approved and the date that the deferment was back dated to and they proceeded to tell me that my deferment was never backdated but then said it was back dated to prevent me from having to pay anything during those months. I have been told something different every time I speak to someone employed by Nelnet and feel that Im not being told the truth by anyone! I feel that it is my right to have documentation stating my deferment was in fact back dated however they refuse to provide such documentation!
Consumer complaint received 2022-02-17
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I moved XXXX from my saving to my checking to pay a bill. Once I moved the money XXXX came into account removed XXXX. My saving account went down to XXXX. I called XXXX their records show they collected money loss money and gained money. All while the bank say they never gave XXXX money but rather they put it in saving account but balance never went up. I filed the complaint got print out from bank showing a discrepancy banker in bank and online file a dispute. They closed the dispute saying they don't owe me. Won't account for my funds
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-17
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. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2017-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a joint account with my nephew at the Bank of America in CT. My nephew has a joint account with his brother also at the Bank of America at the same  location. 

On or about XXXX XXXX, XXXX, my nephews went to the Bank of America to close their account. Bank of America personnel mistakenly wrote the withdrawal slip using my account number and passed the withdrawal slip to my nephew to sign. He did so without verifying the account number on the slip. As a result, XXXX XXXX XXXX XXXX XXXX DOLLARS AND XXXX CENTS ( {$8900.00} ), was mistakenly taken out of my account. 

I had been on vacation. When I returned and saw the withdrawal on my bank statement, I went to the Bank of America on or about XXXX XXXX, XXXX. They explained that the Bank of America had found their mistake of taking the money out of my account to close the joint account my nephews had together, and added that they had credited the amount taken out. On closer inspection, I noticed that the entire withdrawal had not been credited. The Bank of America had shorted me XXXX DOLLARS AND XXXX CENTS ( {$93.00} ). I asked for the Bank of America to make me whole, including interest. I told them I realized that all human beings make mistakes, but that I felt that the Bank of America should make me whole. The lady I spoke to said that she was going to put in a report for investigation. 

On or about XXXX XXXX, XXXX, a man from the Bank of America called to verity the information I had given the bank. He later called me back and told me that I should contact my nephew to get the {$93.00} from him. I disagreed and voiced my dissatisfaction with the decision made by the Bank of America. 

I understand that my nephew signed the withdrawal slip written out by Bank of America personnel without verifying the account number. However, once the Bank of America realized that the wrong account number had been targeted for closure and accessed withdrawing a substantial amount of money from this account, the Bank of America should not have penalized my account, by keeping {$93.00} and returning the rest. I have no understanding and no knowledge of what the Bank of America did with the {$93.00}. My nephews went to the Bank of America to close their account whose number I am not privy to. And, as far as I know, no one has given the Bank of America permission to withdraw and use money from my account for any purpose connected with my nephews ' account. 

I am asking to be made whole by the Bank of America and that my account be fully restored.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (CA)

I have submitted an identity theft report to the three credit bureaus with all of my fraudulent account and inquiries since I was out of the country I have had fruadulent bank accounts, credit cards and inquiries that are not mine.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION, THE XXXX OWNED FOR PROFIT COMPANY ENJOYS VIOLATING THE FAIR CREDIT REPORTING ACT ( FCRA ) WHENEVER IT SAVES THEM A NICKEL AND THEY CAN GET AWAY WITH IT. 
IN MY CASE THEY DAMAGE ME ; ILLEGALLY ; THEY HAVE PREVIOUSLY RECEIVED DISPUTES AND CFPB COMPLAINT AND HAD THE 30-45 DAYS TO REMEDY BUT THEY DON'T DO IT.THEY HAVE A LOT OF XXXX WORKING FOR THEM THAT TAKE THE LOW PAY JOB VERSUS THE ALTERNATIVE OF SELLING THEIR CHILDREN IN ORDER FOR TU TO IMPLEMENT '' THE WORK ''. 
I HAD 5 ( FIVE ) US DEPT OF EDUCATION SCHOOL LOANS ON ALL THREE BUREAUS, THAT WERE NOT MINE ; NEVER WERE MINE ; HAVE NO CONNECTION TO ME WHATSOEVER, OTHER THAN THEY ARE ON MY CREDIT REPORTS AS ERRORS OF THE DEPT OF ED OR IDENTITY THEFT. SINCE THERE HAVE BEEN A MOUNTAIN OF VERIFICATIONS IN RECENT MONTHS, I DEDUCED THAT IT WAS IDENTITY THEFT AND FILED THE REPORT WITH THE FTC THAT PERTAINS TO THE FCRA REQUIREMENTS REGARDING ID THEFT. 
SINCE THAT TIME XXXX HAS REMOVED ALL 5 LOANS, XXXX HAS REMOVED 4 OF 5 LOANS AND TRANSUNION, THE COMPANY THAT LOVES TURNING 30 DAY INVESTIGATIONS INTO 45 DAYS IF YOU GIVE THEM A PAPER WITH YOUR NAME ON IT, AS ADDITIONAL INFORMATION ... ..TRANSUNION, ... ..THE SLOWEST OF ALL 3 COMPANIES, THE ONE THAT LOVES THEIR MONEY THE MOST, HAS REMOVED ONLY TWO OF THE 5 FRAUDULENT ID THEFT LOANS ... 
THE TWO XXXX DOLLAR XXXX LOANS ARE MINE.IT IS OBVIOUS.THEY HAVE A PERFECT PAYMENT RECORD. 
WHILE VENTILATING HERE, I HAVE NOT LET GO OF THE THOUGHT OF LAWSUIT FOR THE " EASY '' case against Transunion  for seemingly endless false credit reporting on me ... maybe my parents will pay the attorneys for the recouping of damages.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NJ)

Comenity recently ( in XX/XX/XXXX  ) closed a New York and Company account when they did not have a permissible purpose to check my report. They tried to justify their violation of the FCRA by saying there were other negative accounts on the credit report. Comenity is now under obligation to provide evidence that these non-Comenity accounts are " valid '' and that these accounts caused harm to Comenity otherwise I will commence litigation against Comenity.
Consumer complaint received 2022-09-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 U.S.C 1681 section 602 A. : States that 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 permission in written instruction.

15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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)

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - XXXX XXXX XXXX XXXX States that I have a right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status XXXX through Bankruptcy XXXX XXXX. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance $ 348 Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status XXXX through Bankruptcy XXXX XXXX. 
Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2022-07-06
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. (TX)

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The XXXX credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
XXXX Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (IA)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I went to Wells Fargo XX/XX/2020 located XXXX XXXX XXXX, New Jersey XXXX. Approximately XXXX pm and made a deposit of {$4900.00} into the ATM into my checking account and received a deposit slip for " one penny ''. I knocked on the window of the bank, the Manger of the Bank came to the window and that's when I showed her my receipt for one penny. I asked if she could assist me at this time for it was urgent ; I was frantic at this time, but she refused. 
I've been following this dispute for onXXXX and half years now, going to different branches of Wells Fargo asking for help, but with no resolution. " I've even been asked where did I get this money ''!! 
How appalling. But as of this date and time, I've NEVER received my money back. I've talked to and submitted all required documentation asked for, but still no resolution. 

Please help me get my money back from this company! 

Thank you, Respectfully, XXXX XXXX
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have settle the amount with the lawyer representing t he Portfolio Recovery Associates. I had paid a certified check and it was  cashed on the  XXXX  of  XXXX  for the agreed amoun t. Portfolio Recovery Associates also  reported the balance was still owed and that 's incorrect. Case  XXXX   XXXX  in the  XXXX  Ohio Court. This was a  XXXX   XXXX  original  XXXX ,  XXXX