davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXXXXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (ME)

Here 's a description of what happened without including personal information : In XXXX, I went through a XXXX from my XXXX. Since XXXX, I have been XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) XXXX I recently discovered that an account with XXXX was opened without my knowledge or consent. I believe that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX may have opened this account, along with several other credit accounts, using my personal information after our XXXX. My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX, making it impossible for me to have opened or used this account. I have not had any utility accounts in the XXXX since XXXX. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. The collection agency, CBE, informed me that they are not licensed to collect overseas and refused to discuss the matter further since I am currently outside the XXXX as a XXXX. However, they did mention that the debt appears to be from XXXX XXXX. ( Not sure why they told me XXXX XXXX on my first call ). When I contacted XXXX, they said they had no account with me. I am requesting that this fraudulent account be removed from my credit report and that the companies involved investigate the matter thoroughly, as I have never had an account with XXXX XXXX and have been living abroad since XXXX. The last account I had XXXX  years ago was with XXXX XXXX. That's the only broadband account I ever had in XXXX and it was closed in XXXX.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

I have reach out to Experian on multiple occasions. I have asked them to remove/delete the outdated tradelines that they are still reporting on my credit report. I have advised them that the tradelines were remove by the other bureaus due top the accounts being OUTDATED AND OUT OF THE STATUED OF LIMITATIONS TO REPORT. 


XXXX- outdated XXXX XXXX- outdated XXXX XXXX XXXX outdated XXXX XXXX outdated XXXX XXXX XXXX- outdated XXXX XXXX- outdated XXXX XXXX- outdated XXXX XXXX- outdated XXXX
Consumer complaint received 2019-08-13
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)

XXXX ; Experian and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently received notices of the decision to close my credit card accounts for personal and business ( 2 of the 4 accounts ) : 27 year old, {$51000.00} credit line Account # XXXX 2 year old, {$10000.00}, Account # XXXX The reason stated Irregular authorized activity. Now my accounts are flagged as Bad Status. This is very disappointing for I have never had a negative implications or markers on these account or credit report. My credit history in impeccable. I pride myself on my established and strong credit reporting history and do not take this lightly of this unfortunate and abrupt termination of all my BofA accounts. 

It needs to be noted and high considered that this termination does impact my access to financial wealth, credit accessibility, and relationship with BofA. 

Permission to Add Authorize Users : To ensure I was not in violation of BofA credit card policy. On XX/XX/2020, I called and spoke to a representative named XXXX in the fraud department. I asked was the call being recorded and proceeded to ask for confirmation that it is permissible to add my described persons as an authorized user. She did confirm the call was recorded, and stated my intentions were permissible. 


In addition, I had more than {$400.00} Cash Rewards that is no longer available because BofA forfeited the funds. This too needs to be reversed, and a cash fund that I earned need to be allocated.
Consumer complaint received 2019-08-13
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. (TX)

XXXX ; XXXX  and Transunion are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$22000.00}, {$20000.00}, {$0.00}, {$0.00}, {$5700.00}, {$400.00}, {$500.00}, {$92.00}, {$710.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXXXXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$92.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Army and Air Force Exchange Service (MN)

I've sent numerous disputes that the debts in question are incorrect, however, the agency has not acknowledged or responded to any of my disputes. Cease and Desist letters were recently sent, of which were ignored as they continue to send multiple letters weekly.
Consumer complaint received 2022-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NM)

To whom it may concern, I have been trying to get a refund from my student loan servicing, Fedloan Servicing, but they told me that they have transferred my loan through XXXX sometime in XXXX of XXXX. 

Initially, Fedloan Servicing told me to try ang get my money from XXXX but XXXX told me that since it was a paid off loan that I need to get it from Fedloan Servicing. 

Unfortunately, neither of the servicing have given me a concrete answer as to what steps to take to get my refund nor if my student loan is being processed for refund or not. 

Per CARES Act, I am requesting my XX/XX/XXXX through XX/XX/XXXX ( last payment made ) be refunded. 

Ultimately, the goal is to have my student loan refunded and be forgiven per Biden 's one-time student loan cancellation. 

Thank you for your time. Attached is the email conversations between me and the servicing.
Consumer complaint received 2021-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2020 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam ; I recently received a credit alert that my name and SSN were being used at 3 different addresses where I never resided at. I also never used these addresses for mailing purposes, I am concerned because in the past the 3 individuals who do reside there know me personally and have attempted using my name and SSN to possibly receive mail or order credit cards or products. 

I contacted Experian and have placed a credit alert as well as a credit lock for 1 year. 

Kindly, assist me with this complaint to prevent any form of credit theft using my name and SSN! 

I would like to request the addresses provided below be removed from my credit report and history. 

Thank you in advance! 


1 ) XXXX XXXX XXXX XXXX, NY XXXX 2 ) XXXX XXXX XXXX. 
XXXX NY XXXX 3 ) XXXX XXXX. 
XXXX XXXX, CA XXXX
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

When Covid first started back in XXXX, I asked my mortgage company ( Shellpoint Mortgage Servicing ) if I could put my loan/home in forebearance. They allowed me 3 months which were XXXX, XXXX & XX/XX/XXXX. During this time, knowing they were going to expect a full payoff of the 3 months payments, I spoke with XXXX XXXX that was handling my account and asked her if the 3 months forebearance period could be deferred. That request was also granted. In the beginning of XXXX, I decided to refinance my house at a much lower interest rate. Soon after submitting all the information, my prospective new lender told me that Shellpoint had reported 90, 60 and 30 day late payments to the credit bureaus. I was absolutely furious, as I have never made a late payment on my mortgage. I contacted Shellpoint who acknowledged this was THEIR error and that it would be fixed when they reported at the end of the month. Yesterday, I found out that that request was closed because the gentleman didn't complete the correct information. I have called, and called and called trying to get this error on the part of Shellpoint fixed so I can move forward with my refinance but I can't get ahold of a person to speak with. I can only e-mail which I have 3 times and never get a response. I'm at my wits end with this company. I just want them to fix my credit report and remove the derogatory information they reported. I don't see how it's that difficult.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (NY)

I file for chapter XXXX bankruptcy on XX/XX/XXXX and I get the order of discharge on XX/XX/XXXX, which include all my credit cards with the exception of my car loan which I continue to pay my monthly installment until I pay off the whole balance of {$4400.00} on XX/XX/XXXX XXXX, but when I checked my credit report recently from the three major credit bureaus I was surprised that the ( pay status ) of my auto loan which represented by ( XXXX XXXX XXXX XXXX ) is included in my bankruptcy case which is not supposed to be, I contacted XXXX, XXXX and Experian and ask them to correct the wrong information about my auto loan and I send them all the required documents, each of them launched their own investigation, after all the result come back with no change and they stated that the car loan is part of the bankruptcy.
Consumer complaint received 2019-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive been in contact with Transunion over the last several months regarding identity theft. I notified them about my case and they have deleted some of the fraud accounts but others still remain. Most recently I sent them a copy of the police report I filed as well as a copy of my credentials proving my identity, and a copy of the 605B law stating they must remove the accounts. Transunion failed to remove 3 accounts and then then sent me a letter on XX/XX/XXXX stating they want to start an investigation instead of removing the accounts. XXXX  and XXXX has already removed the accounts in question after they determined they are due to fraud. This morning ( XX/XX/2019 ) I called Transunion and the agent couldnt find any documents in their system that I sent to them. They are extremely unorganized and this is very unfair as my life is at stake here. I am displeased at the poor job they are doing to protect consumers.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I applied for the Capital One Venture card and was informed my application would have to be reviewed and if declined, I would receive an explanation letter within 10 business days. On XX/XX/XXXX, I received an email stating my application was declined, and that I could access my explanation letter via a link to read their reasoning for denial. The link worked when I signed in, but there were no letters and it stated " No documents found. '' On XX/XX/XXXX, I called Capital One where I spoke to someone in the XXXX, and he apologized and said I would receive a letter in the mail within 10 business days. I informed him it's been over a month and it's well over 10 days. He then stated he could not tell me why I was rejected over the phone, and I mentioned I did have a freeze on my XXXX   account. He recommended lifting the freeze, and if I wanted, I could reapply again for the credit card so I went ahead and agreed. 2 days later, I then received another email stating my application was denied with another link to an explanation letter. I followed the link, logged in, and the result was no letter stating " No documents found. '' I have not received any letters over the mail, and instead received links that lead no explanation.
Consumer complaint received 2021-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2020 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hi, I submitted a couple of claims to my bank ( Bank of America ) because my debit card had unauthorized activity, I found out through my bank statement online. The 2 claims were 1 ) Claim ID : XXXX Claim amount : {$170.00} Initiation date : XX/XX/2018 - I made this claim because I have never been to Kentucky or Tennessee, where of these transactions were done. 

2 ) Claim ID : XXXX Claim amount : {$340.00} Initiation date : XX/XX/2018 - I made this claim because somebody withdrew money from an ATM machine, unauthorized. 

For both claims, I told Bank of America that I usually leave my wallet in my car and my PIN number in my wallet as well. I have this information in arms reach because I have a mild XXXX of cognitive and memory impairment. 


Even though Bank of America placed a temporary credit for both transactions during their investigation, I received messages today, XXXX Bank of America 's " Message Center '' stating both " Claims not paid - Temporary credit will be reversed. '' I was confused on what this meant, as I am assure I never made any of these payments. They said they will reverse the charges on XX/XX/2018. 

I then called Bank of America 's " Dispute Resolution Service '' and requested additional paperwork from their investigation. Not only did the young lady tell me that they did not have additional paperwork for their research/investigation ( she tells me this is sort of a normal thing? ), she also told me that both claims have been put together, and that the ATM camera was the reasoning for both, even though that should have been for only one of the claims. 

It seems as if somebody compromised my bank account because not long before- I submitted a claim to XXXX around the same time because somebody had made an unauthorized purchase. XXXX credited me back no problem! 

Thank you for your help, hope to hear from you soon. 

Best, XXXX XXXX
Consumer complaint received 2018-10-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened an account with Citizens Bank in XXXX, PA on XX/XX/XXXX and my Citizens accounts are not reflecting the correct opening date. 

Also I was promised interest rate of 1.24 % on my money market account and that were not done according to discussion when opening the account. 

Also I was not given documentation promised while opening the accounts. 

I spoke with XXXX ( a supervisor at the Citizens Rhode Island Call Center ) who was not able to help.