davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (LA)

On XX/XX/XXXX, XXXX XXXX XXXX place an item on my credit for the amount of {$660.00}. I am not aware of the creditor. I have never received a telephone call from the collection or creditor. I also research and they are not licensed to collect in the state of Louisiana. This company has impacted my credit in the middle of me purchasing a home. This is unfair and injustice.
Consumer complaint received 2023-02-08
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Made dispute with Bank of America fraud department on transactions that were made in XXXX. I did everything as instructed including a police report. I was told there wasnt a sufficient amount of evidence to be in favor of my claim. Its over {$3000.00} missing from My business account and Im about to withdraw all my funds from my personal and business account.
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCA Financial Services, Inc. (NJ)

I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2020-09-22
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. (LA)

Since XXXX of 2020 I've been consistently disputing fraud related accounts, phone numbers, addresses, and inquiries with Experian consumer reporting agency. Since my initial dispute I have received either no or very vague responses from Experian. Several fraud related address, accounts, and inquiries still remain on my credit file despite my letters, identity theft report, and supporting documentation. It is Experian 's responsibility to report 100 % accurate information pertaining to my credit report but yet they continue to fail to do so. Experian has failed to block the fraud related accounts upon being notified within 4 days from a consumer who's been a victim of identity theft under section 605b. Experian has refused to update and remove inaccurate fraud related addresses on my credit file as well as inquiries that were never initiated by me. It has been well beyond 90 days and yet this issue is still ongoing without any legitimate explanation. My personal information was compromised and I have been a true victim of identity theft. I have been denied credit and several loans due to this unfortunate situation and inaccurate credit reporting on Experian behalf. Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX are all accounts opened as a result of identity theft and should have never been reporting on my credit file. Experian claiming the accounts have been verified as accurate is not feasible for an identity theft victim who's personal information such as name, address, and social security number has been compromised. Any thief who has obtained someone's personal information would be able to impersonate another individual as myself.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (DC)

I can not see any of my recent transactions since XX/XX/19. I've tried every link and pathway online to retrieve the transaction statements and spent an hour online stating the problem. I was then told to contact the 24/7 call center. They've not provided a reference number and the service was beyond slow and not helpful.
Consumer complaint received 2022-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (PA)

The issues have been ongoing since making the decision to do the spousal consolidation years ago. The loan was first serviced by XXXX and then Nelnet ( present servicer ). After the spousal consolidation, we divorced. For years, over 12 years, I have attempted to obtain specific details on the loan. Years of calls to both providers and being told that I have no rights to obtain information on the loan ( MPN, payment history, loan details in terms of what was mine and what were his at the time of consolidation ). I am told that he is the " primary borrower '' and I am a " co ''. I have asked repeatedly how I am held accountable for the loan and how it ends up on my credit report when he does not pay his half payment monthly per our divorce settlement agreement, which has no weight in any of this disaster. My ex-husband has been permitted to defer the loan multiple times without my signature or even notification to me by the providers. He has missed multiple payments which have resulted in additional interest, putting me further in debt to this loan by increasing the outstanding balance, etc. I have had ZERO rights yet I am held responsible by these providers. I have paid my half of the monthly payments continuously which Nelnet last verified for me on the phone on XX/XX/22. I asked for the documentation stated above to be mailed or emailed to me. I have been told that I can not have it because I am not the primary borrower. I have no access to the online account and have been denied this ability. I was told on XX/XX/22 that my ex-husband reported to the provider he is in the process of consolidating. How can he do any activities without my authorization? I want Nelnet to finally release all records to me involving payment history, the XXXX, and documentation of the loans prior to the consolidation in order to know what I brought into the join consolidation. I have worked for the XXXX XXXX XXXX for over 18 years and have no ability to apply for forgiveness. I receive a statement monthly, which was not for the duration of time they were involved, and can only see that he is not paying. I have every right to the information since I can be held liable and have continued to make my half payment the entire time. I have kept all of my notes for years in the event I can file some type of lawsuit. Please help me.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

Afni sent me a letter stating they verified with the creditor. However, I requested that the information be verified and validated and proof be sent to me stating the account was properly verified. I did not receive that information from XXXX XXXX XXXX nor Afni.
Consumer complaint received 2020-05-19
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. (OH)

The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX
Consumer complaint received 2021-04-27
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

Regional Acceptance is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX XXXXnd, XX/XX/XXXX XXXX XXXX XXXX  The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Consumer complaint received 2017-08-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Here is a brief summary of what has been going on. Ten years ago, my wife and I applied and got a Home Equity Line of Credit against a Mortgage Free Property. Without any pre-warning or notice of any nature, it ballooned. We continued to receive statements and paid on them for 1 1/2 years. We went to re-finance on another piece of property, only to find out the Equity had ballooned. We have now been trying to get a Loan Modification for 1 1/2 years, either trying to get it rolled into a Conventional Mortgage or some type of Modification. Bank of America keeps on declining our application with the same reason that they can not verify our employment, even though we have supplied them with whatever they have asked for. In the meantime, they have stopped sending us statements, refuse to take money against the loan and are sending our credit rating into the mud! There is a lot more to this. The phone calls, the meetings at the Bank, the many people we have talked to. The amount we are talking about to refinance is {$75000.00} Thank You
Consumer complaint received 2021-04-27
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. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/2019 Capital One Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to Capital One which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus XXXX and XXXX. These reported late payments should not be reported to my closed account.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

inaccurate date opened. my son was born on XX/XX/XXXX and it went delinquent before he was born. They lender must wait 6 month before the sell to a collection agency and the time is off by more then 6 months which reflects in a date open gap of 6-10 extra months ontop of the 6 month waiting period Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I banked with XXXX a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on ChexSystems and I would really like to get this resolved & removed from there.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX, 2017 I contacted chase at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX XXXX {$1800.00} PAID XX/XX/XXXX Chase updated the accounts at XXXX, XXXX, and XXXX by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and Chase has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for XX/XX/XXXX as samples.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

I was notified in 2014 from this collection company that I had an outstanding debt from a apartment community. I advised them that I was living in a house in a different county. I then referred the matter to my family attorney. The attorney asked them to validate the debt. He received copies of the paperwork and found that the social security number didn't match mine. The debt was then taken off of my credit reports. I had my credit reports pulled several months ago and saw that they had put it back on there. I have tried disputing the charge but they still say that I owe the debt. I contacted another attorney because the one I had is now retired. The other attorney told me to file this first and if the matter is not resolved then we can take it to court.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank On XX/XX/XXXX they asked for disputes outstanding to be stated again On XX/XX/XXXX I sent letter with contents requested CC # xxx XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XX/XX/XXXX interest XXXX XXXX interest XXXX Total {$380.00} Capital One is a bank and required to give chargebacks FOR SERVICE NOT RENDERED It has been 5+ months since the flights were cancelled and I wrote several letters It is XX/XX/2021 and I have not received chargebacks nor Capital One feedback
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX . And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the Revocable Living Trust XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2020-09-22
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. (GA)

I have call Equifax at least 10 times regarding the collections on my credit report all three collections listed are wrong and should be taken off my report. Each time I am speaking to someone overseas who can barely speak English. They ask you questions that you can not understand then they advise they can not verify your identity. I had one rep state he was writing my social down. Which is definitely not safe and now I am told I need to fax in personal information to verify who i am. So I take the chance to verify who I am. I have faxed information into Equifax 18 times each time receiving a confirmation. Yet I am still told my information can not be found. I am also being sent emails by their member.benefits.com center saying they have sent my information to another email address which i do not have another email address. But they are charging my credit card the monthly fee for a membership that states status failed on the original email they sent me which includes a note saying they were sending my information somewhere else.
Consumer complaint received 2019-10-30
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. (IL)

I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.
Consumer complaint received 2019-10-30
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. (RI)

XXXX XXXX / XXXX XXXX charged off a balance of {$5400.00}. I made numerous contacts to both XXXX and Experian to notify them that this was a fraudulent charge. It was removed from my credit report for a time but then just reappeared as a charge-off. 

I originally opened this card for a 6-month no interest on a washer and dryer which was paid in full long before the fraudulent charge. 

XXXX XXXX claimed that statements were mailed to me. THEY WERE NOT. I BELIEVE MY ADDRESS WAS ALSO COMPROMISED FOR THIS CHARGE OR THE CROOK OPTED FOR PAPERLESS STATEMENTS. 

XXXX XXXX XXXX XXXX ending in XXXX