davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name XXXX XXXX
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

around XXXX to XXXX XXXX of my money was withdrawn from my edd card. I never used my edd card for anything but to withdraw money from offical bank of america banks. i should add however a week or two before these mysteries withdraws atm swallowed my card and when i tried to get it back the bank denied me. saying they werent allowed to open the atm. So after months of waiting BoA indicated that they had determined that this was NOT a case of fraud and that the transaction was authorized
Consumer complaint received 2019-10-17
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. (FL)

I file ( mail ) a dispute with Transunion & XXXX pretending to XXXX XXXX XXXX on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MA)

I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX Account # XXXX : LOAN : XXXX XXXX XXXX  Amount XXXX XXXX XXXX  : XXXX XXXX XXXX  Amount $ XXXX LOAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} XXXX 
Please see attached statement. 
Ref : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Social Security XXXX XXXX COMENITY ACCOUNT [ XXXX ] Re : XXXX XXXX XXXX XXXX ] Re : XXXX XXXX XXXX : Alleged Account # XXXX
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)

Hello, On XX/XX/XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the original account holder and XX/XX/XXXX. XX/XX/XXXXdidn't investigate or provide me any prove this was my account. There failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

I demand the following accounts be verified or removed. 

Name of Account Account Number Provide Physical Verification XX/XX/XXXX XXXX Unverified Account
Consumer complaint received 2022-10-10
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. (MA)

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. 

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 XXXXXXXX, 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 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 2022-07-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In the middle of XX/XX/2022 while scrolling through my Fifth Third Bank statement I noticed something odd. A check issued by the XXXX XXXX XXXX for the amount of {$7200.00} had been withdrawn from my XXXX  Account. This company is unknown to me. I called the bank and was told to come in and complete a Fraud Packet. I proceeded to do that and with the help of XXXX XXXX i completed the form and had it notarized. On XX/XX/2022 it was submitted and assigned the case # XXXX. On XX/XX/2022 I received a letter denying my claim for the following reason : the time frame for submitting a disputed transaction is 30 days after your related statement and date. Unfortunately, this dispute was submitted outside of that timeframe. I have subsequently learned that checks can be drawn from XXXX Accounts and have informed the bank to cease that practice with my account.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MI)

They are harassing me calling me 10+ times a week they call me 2 times a day and will not stop even after telling them they are harassing me. They retried a ach payment 4 times the allowed amount of re tries is 2.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contact credit bureaus about unauthorized inquiries no help at all inquires are as listed ... 

XXXX XXXX/XXXX  XXXXXXXX/XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (TX)

This account was removed from my account on XX/XX/2022, after i requested additional information and they were unable to do so. Now the dept was added back without the proof. This dept was sold to another company and added and this account was proven to not be mine.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

in accordance with the fair credit reporting act. 
nationstar/ mr cooper account # XXXX is reporting an inaccurate late payment on XXXX on XX/XX/2018 XXXX delete this late payment because is inaccurate.

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 statesa consumer reporting agency can not furnish a account without my writtent instruction.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I refinanced my mortgage that was with Community Loan Servicing and paid off the loan on or about XX/XX/2022. I got a letter saying that my excess mortgage payment would be refunded within XXXX business days ( XX/XX/2022 ). I called them on XX/XX/2022 to notify them that I had not received the check. At that time I was told that the check was for {$7000.00}. I was sent to the Customer Advocacy department. I spoke to someone who said she would get back to me within XXXX - XXXX hours. She did not and has not called back. Nor have I received anything from Community Loan Servicing except a letter showing the amount of the refund that I should have received. When I call the Customer Advocacy department the computer says that my issue has been resolved and does not allow me to speak to anyone. It has not been resolved. I have not received my refund and no one has been in contact with me. When I called back to the general number they are telling me to call back, in spite of the fact that the computer does not allow me to connect with an actual person. I demanded to speak to a manager. I was put on hold an hour ago and no one has come back to the call.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have not received verification of my inquiry and according to the FCRA ( Fair Credit Report Act ) legally these unverified and unauthorized items must be removed! 

XXXX XXXX XXXX  XX/XX/2022 inquiry XXXX XXXX XXXX XXXX XXXX inquiry Experian- XXXX XXXX XX/XX/2022 inquiry XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

The Bank would not let me open an Account and did not give me a reason why it could not be opened. I checked my XXXX account and I do not have anything on my report that will cause me not to be able to open an Account. This happened at Branch XXXX by Banker XXXX on XX/XX/2021.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MO)

Received notification from my credit monitoring company ( XXXX  ) that there was an account opened under my name with JPMChase. I have accounts with JPMChase so called them and asked them to verify my accounts. XXXX gave me the correct information for the two accounts I have. I asked them about the account that was flagged by XXXX  and they said they don't recognize the number.
Consumer complaint received 2021-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

To whom it may concern : My Federal student loan originated in XXXX with Cornerstone Educational services. In XXXX of XXXX the loan was transferred to Fedloans. I have been pre paying the loan when I can but my payment history did NOT transfer with the loan and now Fedloans shows the entire origination balance of my loan. The federal Student Aid documents are also showing my original balance. I have contacted all parties and have proof of contact. I also have all my payment documents as I used direct drafts from our bank. I have not received a responded nor has either service provider helped. Cornerstone Educational Service seems to be shuttered.

To date, the loan shows the original amount due of {$21.00}, XXXX. Rather it should be {$15000.00}, due to the payments made in the amounts and dates as follows : Payments Date {$200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (AZ)

debt was XXXX county since XX/XX/XXXX and XX/XX/XXXX Judgment were filed in XX/XX/XXXX and XX/XX/XXXX and never renewed In AZ judgments need to be renewed in 5 years
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. (VA)

I have been trying to clear up these inaccurate accounts on my credit profile for some time now. and its becoming a burden on me and my life. I dont understand how my identity can be compromised and I have to live with it, even after trying to clear the matter up, by writing letters and and coming on here to make a complaint and still no results, I demand some answer. As a consumer its my right under the FCRA that I get these answer Since XX/XX/2021 I have been reaching out and this is my last attempt, or I will be seeking legal aid
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account # 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 a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u XXXX payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-04-14
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. (NY)

I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of Covid and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.
Consumer complaint received 2022-12-03
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
CHILD SUPP Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
CHILD SUPP Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-01
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. (MI)

Hello Today I called XXXX  Fraud Department, and I was told by XXXX XXXX that they could not use my Law Enforcement Report, and the only thing that they could do was dispute it again. I have also reached out to Experian and XXXX  whom have also involved me in another security breach I can't believe that after I have tried over 30 days to remove fraud off of my account they still refuse to help me. I have taken all the proper measures to get this resolved
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

US Bank cancelled the Extended Warranty and Collision Damage Waivers in XX/XX/2020, but never notified us. The only reason I found out about the cancellation, it that I called about another item, and happened to ask if they were still in effect.