davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Three accounts were opened at the Bank of America with my social security number, the names and the birthdays do not match mine, however, the Bank of America will not close these accounts, they will open a '' claim ticket '' to have the matter investigated within 90 days. I am a XXXX service member in my identity has been stolen and this answer is unacceptable. There are three open claims " XXXX '', " XXXX '', and " XXXX ''.
Consumer complaint received 2019-06-05
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. (MS)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

they closed my account for who knows what reason.. ok fine whatever then weeks later they removed my online banking access preventing me from viewing my balance and paying my bill via app which is how I normally make my payments.. Going forward I have no reliable way to check my account balance and make payments and I have to call if I remember to make payment ... Today I called and they say im past due XXXX days I received no call.. no statement.. nothing.. Also there was fraduelenct charges on the account that had to be disputed and I got no response on that also.
Consumer complaint received 2018-07-06
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)

There are currently 2 negative accounts on me Experian Credit report. 

XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. 

I have disputed these accounts twice. Both times experian has verified these accounts via the XXXX electronic system. This is not a reasonable and thorough investigation. I have called experian multiple times and they have told me that they only verify accounts using the XXXX system. By FCRA laws Experian is not allowed to " parrot '' the information from creditors and they are not allowed to shift the burden to the consumer, which they have done by telling me to contact the consumer and ask for documentation and account verification. However I have called both of these creditors and on several occasions I was told they have no documentation or contracts regarding these accounts. I asked for something in writing stating this and I was told that I was on a recorded line and that was sufficient enough. 

How could either of these accounts be legally verified if I can call the creditor and they tell me that they have no documentation.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Consistent breakdown in communication over the course of the past six weeks with TWO Bank of America mortgage lending officers. After two weeks of non-response from one lending officer ( XXXX XXXX NMLS # XXXX ), I was reassigned another mortgage lending officer to more attentively process a refinance application. Yet, alarmingly and once again, following a near two-week period of non-response from the second lending officer ( XXXX XXXX XXXX NMLS # XXXX ), I am withdrawing my application and will take my business to another, more responsive, lender.
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MS)

I decided to check my account to see if my balance has changed since I 've started making payments, and it has n't. As a matter of fact it has increased. The company is American Education Services ... .I want to know why in the XXXX has my balance not decreased? Every since I 've been making payments my balance has increased. If my balance does not reflect what the XXXX I 've been paying, I will be consolidating and moving to a new servicer!!!! I 'm sick of you people! Student loans come from XXXX!! This whole industry is built on thievery. And yes I want my comments published so every one can see this company is horrible!
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, XXXX XXXX the Executive Office XXXX XXXXXXXX to the XXXX XXXX XXXX XXXX of the WELLS FARGO verified my Account and Customership and same was augurred by XXXX XXXX of the same Office on XX/XX/XXXX. But for some unexplained Reason, the Customer Service, mentioned herein, was unable to a Check Cashing tithered in the Complaints. 

It should be noted that I received a Waiver of Exemption Check of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, Dollars from the United States Department of Justice on XX/XX/XXXX as a Peremptory Exception to my Supreme Court Exempt, XXXX, Appeal in Nevada XXXX XXXX ( See, CFPB XXXX XXXX : XXXX for the Attachment of the Check, therein at-law. ) No Customer Services were able to cater to the Check Cashing, Complaint till date.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I had a credit card with TD Bank USA / Target Stores. TD Bank / Target is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a XXXX Off if it has a XXXX  balance? 

Target and TD Bank have refused to correct this error. I have disputed it numerous times. But Target and TD Bank have refused to correct the error.

I am attaching a letter with a copy of the statement showing a XXXX balance sent by Target / TD Bank date XXXX. This should serve as proof of the mistake by them.
Consumer complaint received 2020-08-24
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. (MI)

XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX shows the account is in collections. Experian and XXXX are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!
Consumer complaint received 2024-05-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (TN)

Company is ignoring the complaints, I bought a {$25.00} Google play gift card at target in XXXX and tried to use it but they wanted more info. I gave it to them and even gave my receipt for proof of purchase but they refused to allow redemption citing non-existent issues with my account that they wouldn't explain. I wish to redeem the card. Account info XXXX XXXX XXXX.
Consumer complaint received 2024-05-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (CA)

While the VA was in the process of making its determination that I was XXXX  % totally and permanently XXXX, Sallie Mae rejected my XXXX application despite my XXXX % rating from the VA and additional medical  documentation. On XX/XX/2024 and XX/XX/2024 I submitted letters to inform Sallie Mae that the VA then determined I was XXXX  % totally and permanently XXXX and also requested forbearance be reinstated. At Sallie Mae 's request, I submitted a new application with that documentation on XX/XX/2024. Sallie Mae refused to directly or timely acknowledge the XX/XX/XXXX application. After following up with Sallie Mae by phone on XX/XX/2024 representative ID XXXX placed me on extensive holds before acknowledging my letters and application, eventually describing the application as " pending, '' but providing nothing in writing. On XX/XX/2024, Sallie Mae sent a letter merely stating, " Thanks for contacting us about your loan. We'll review your concerns and get back to you shortly. '' Sallie Mae is refusing to acknowledge the forbearance request or XXXX application and has been billing me and charging me late fees.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an affidavit of truth. My next step will be a civil suit.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (NM)

I started a complaint with XXXX XXXX due to somebody stealing my money twice now the first time that it happened they were very quick about it but now that it happened again it is taking longer I don't know what's the difference that it was quicker the first time and not the second time but somebody has stolen my XX/XX/XXXX social security check of XXXX and I want it back now either XXXX XXXX can handle this or something because it happened out of state in XXXX and I live in XXXX XXXX XXXX, XXXX XXXX. how am I going to get from XXXX XXXX XXXX to XXXX just to use the ATM and pull out my own money I just don't understand I want this issue solved.. now they haven't done it again thank God but the fraud and identity theft thing has got to go people should just get a job and leave other people 's money alone and stop stealing they should do like in the old times and have their hands cut off.
Consumer complaint received 2024-05-15
Product: Credit card — Store credit 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: Affirm Holdings, Inc (CA)

On XX/XX/XXXX I purchase a virtual Affirm card for {$60.00} I purchase XXXX XXXX XXXX also a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I returned ALL of them which totaled {$60.00} I know Affirm charge interest, which is their way of making money however, my problem with Affirm is that they are dragging out the investigating as to why they had not received the return of the lipstick purchase which was returned by XXXX that totaled the remaining amount owed on the loan was {$21.00}. I am not paying for something I already had returned. 

XXXX had refunded the {$21.00} but Affirm is dragging out the dispute in order to make more interests on the {$60.00} and ruin my good paying record and credit line. 

Affirm applied the gloves and the pillow but they stall with the lipstick purchase to say I don't pay on time and my credit is bad with them so Affirm removed my credit line because of the {$11.00} payment which I do not owe because I returned ALL the items. 

Please examine the attached documents for further explanation.
Consumer complaint received 2022-09-14
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. (GA)

As I know and as you, Experian, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.
Consumer complaint received 2020-08-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-24
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. (CA)

XXXX XXXX XXXX charged me for some device ( a medem I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX continues rating my credit at XXXX, Equifax XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

This is about complaint ID XXXX which was closed on XX/XX/2024. I received a letter stating that I had until XX/XX/2024 to send documents supporting my claim to the Equifax XXXX. I wasn't able to provide documentation by that date due to XXXX XXXX I sustained from a XXXX XXXX and a XXXX XXXX. I am sending the documents requested by Equifax by mail. They shall receive proof of XXXX and proof of expenses due to the breach. I was told by XXXX it would be best if I start a new claim.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NC)

On my credit Karma account the advertisement said my odd to be approved for credit card where good. I completed the application and was denied for several credit cards. This has had an impact on my credit scores and it is also false advertisement. I feel like I was mislead. The company is Credit Karma.
Consumer complaint received 2020-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

On XX/XX/2020, I mailed a request to validate letter to the collector, HEALTHCARE COLLECTION INC, with certified mail receipt. They had until XX/XX/2020 to reply within the 30 days. I did not receive any response from the collector and therefore submitted a dispute with the three credit bureaus for investigation. Some bureaus deleted the collection due to lack of validation, but others said the collection was verified by the collector. 

To date, I still have not received any validation of the collection debt and am therefore not able to confirm this is in fact my debt to pay. 

The collector, HEALTHCARE COLLECTION INC, has reported two collections on my credit report, neither has been validation. 

Due to the lack of validation, I believe the collections should be removed from my credit report.
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

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

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

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

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


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-14
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2020-08-24
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. (AZ)

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. US COurt of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. 
No. XXXX ). 

They refuse to correct information after being provided proof of inaccuracy.