davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a copy of my transunion report that I received on XXXX/XXXX/XXXX that was generated on XXXX. Under Adverse Accounts, there are several student loans listed there that have negative and incorrect information that is reported on my Transunion credit report. I have disputed this information with Transunion previously to initiate an investigation to validate the information that is being reported. The student loans that are listed as adverse accounts are no longer serviced by the lender listed, and when I tried to contact the listed lender the number listed on the report is not valid. I 've mailed corresponse asking the lender to validate this information and received no response as of today with any validation about the listed information and why inaccurate negative information was still being reported. There is a double listing on my credit report with Transunion that contains the same inaccurate student loan information as well. I called the number listed on the credit report and I get a recording from a different company other than the name that is listed on the credit report. These accounts are currently listed as being in bankruptcy. In XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX. Prior to that, my student loans were never in default, they were always in a " in school deferment status ''. In XXXX, all of my student loans were consolidated and sent to XXXX who know services all of my student loans under a consolidation repayment plan. There are XXXX student loan accounts that are listed as Adverse Accounts and in chapter XXXX bankruptcy which is totally inaccurate. The whole point in the dispute is to have the negative information removed especially since the information is being reported inaccurately. My question is how did Transunion contact the lender to validate the information as accurate when they lender ( XXXX, XXXX, XXXX ) Have yet to respond to my letter request for validation of the information. Several of the accounts listed have the same account numbers and the same balance, which is also inaccurate. For Transunion to continue to list this information as negative and in bankruptcy status is totally inaccurate since I am not in bankruptcy, being that the Chapter XXXX bankruptcy petition that I filed in XXXX was dismissed in XXXX. Being that I disputed the information and Transunion clearly did not throughly investigate, I need help with getting this negative information removed especially since it 's totally inaccurate. By law, Transunion was supposed to delete the inaccurate negative information if it could not be validated.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

Complaint against TD Bank. Received debit card and XXXX sets of checks in mail all with different account numbers week of XX/XX/2022. I did not apply for or authorize the opening of any accounts. In attempting to report the issue and close the accounts TD Bank refused to provide any documentation regarding account opening unless under subpoena. TD Bank also refused to provide any traceability information to follow the request to close the accounts. Lastly TD Bank would not close the accounts until resolved by their investigation team and would not provide an expectation date of contact.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-10-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

A Wells Fargo savings account was opened without my authorization on XX/XX/2009. My personal information, address and social security information was used to open a bogus and fraudulent account ( " Goal '' savings account ) in my name with my personal information. Evidencing this is the letter dated XX/XX/2009 calling for my signature. 
How can an account be opened without my signing for it? Where did the initial funds to open this account come from? I kept the letter because I thought at the time if I ever needed proof in the future that I did not authorize the account or the funds that were transferred to it, the letter would be proof enough. 
In sum, a fraudulent account was opened using my personal information without my authorization and with unauthorized funds. If I were to commit an egregious act such as this, I would be put behind bars.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CO)

Opened Wells Fargo rewards credit card in XXXX to use primarily for online purchases. Intentionally kept credit limit low due to high probability of card theft/fraud due to online use. Asked Wells Fargo not to automatically increase credit limit for this reason. 

In XXXX, needed an RV loan. At that time, credit score was negatively impacted by ratio of outstanding credit card debt to available balances. Contacted issuer of a different credit card and requested a credit line increase on that card to $ XXXX. It was granted around XXXX of XXXX. 

In XXXX, needed a car loan. At this time, credit score is again negatively impacted by same issue. Contacted Wells Fargo this time to request an increase to the credit card limit. They said they could grant an increase to {$11000.00} without needing to run my credit. I asked them to run credit and provide the maximum available credit limit. They said that they can't request " max, '' but rather need a dollar amount. I said, let 's just try $ XXXX then ( assuming that would be well above their max and the increase would then default to the max. ) Wells Fargo returns that they can only increase the credit limit to {$11000.00}, basically the same as if they had not run my credit. My credit score was XXXX at the time. My monthly income is {$12000.00}. They can only give me a credit limit that is less than my monthly income with that credit score??? I questioned them for the reason. They said I had no experience with a $ XXXX credit card. OK, that is true. I do have over a year experience with a $ XXXX limit credit card, so how about we meet there and you increase my limit to $ XXXX? In looking at my $ XXXX credit card, I don't use it. So, they can not increase my credit limit at all above what they would issue to me without underwriting. 

I need to increase my available credit to improve my credit score and at the same time, I need to keep my balances low so my ratio of debt to credit don't negatively impact my credit score. These 2 goals appear to be diametrically opposed. 

Wells Fargo needs to explain in a very detailed manner how to resolve their internal conflict because they are in my opinion intentionally not allowing consumers to improve their credit scores so that they, Wells Fargo, can charge us higher interest rates. Wells Fargo has a poor track record and here is yet another example of their really bad behavior. 

If they can sufficiently explain themselves, this complaint will be resolved. Until then, I think they need to be penalized for intentionally causing consumers to have artificially low credit scores. Sadly, we are at their mercy.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I HAVE SUBMITTED SEVERAL DISPUTES TO TRANSUNION REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE TRANSUNION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE TRANSUNION.
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates are inaccurately reporting the allege amount of XXXX to the credit reporting agency. Portfolio is report the allege amount to credit reporting agency as XXXX aslo Portfolio recovery is reporting a second allege amount of XXXX to the credit reporting agency as XXXX this is a violation of inaccurate reporting.
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I originally submitted complaint : XXXX. Basically, I thought the income difference between what I reported and what BofA reported was a result of the settlement with XXXX XXXX. In BofA 's response to this complaint, they sent the attached letter clearly showing it was a result of a foreclosure sale on the property on XX/XX/XXXX. My concern is that I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and declared this property in the case. On XX/XX/XXXX I was successfully discharged. 

There are NO tax consequences for debts discharged in bankruptcy. So should NOT be taxed on what they did n't get at the foreclosure sale. The bankruptcy protects me from that tax. Here 's the link to the XXXX website that says that. XXXX.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Disputed previously with Transunion. 
XXXX XXXX Reporting is outside of the statue of limitations. Date opened was XXXX/XXXX/XXXX. It is XXXX/XXXX/XXXX. In the State of Ohio, a debt can only be reported for up to 7 years. This has been on my report now for 8 years and 11 days. I want this removed from my credit report within 24 hours, and a reward of {$25000.00} for Defamation of Character.
Consumer complaint received 2022-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America has had me in a Modification since XXXX. Not really getting no answers. Now they have given me a new server for the mortgage, with all fees attached and filed for a forclosure, and added more fees to accommodate that as well. We are so exhausted with this process. Please consider some type of help with this extremely long process and all the added fees which are thousands of dollars, in which we are already in a struggle. They have been so misleading since the forbearance has ended. They have changed their words, all help from the beginning and now won't even conversate with you. Bank of America has been a great disappointment to me and my wife in a very hurtful manner.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (TX)

MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

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 XXXX
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted by a collection agency about a credit card that I did not know existed. After speaking to them they agreed to turn the debt back to Bank of America as a possible fraud situation. I contacted B of A 3 times by letter explaining that I did not live at the billing address and had n't since XXXX. It appears that my ex wife was using the card, I asked for a copy of the card application and the charges, I also gave them my correct address. This started in XXXX, to date there has been only XXXX response which states that they changed my address in XXXX XXXX. In the mean time they charged off the debt and sent me a XXXX this year for over {$10000.00}.
Consumer complaint received 2020-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

IC Systems - XXXX- is reporting and attempting to collection a debt that I do not owe - For one I have always had insurance and I shouldn't have any medical debts ... Also this debt is showing way past the statute of limitations as well. This is erroneous and not mine.
Consumer complaint received 2022-08-15
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)

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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : State of MI office of C. for over {$5000.00} and {$8000.00} US Bankruptcy CT GA XXXXXXXXXXXX which was discharged
Consumer complaint received 2022-08-15
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)

In accordance with the fair credit reporting act XXXX  account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2020-09-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent XXXX  data breach and I suspect this contributed to inaccurate items on my report.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. All of accounts reported by credit reporting company have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I only authorized one consolidation of my Federal Student Aid Loans, that was the consolidation of XX/XX/XXXX, performed by XXXX. XXXX was no longer my student loan servicer. There were 14 loans consolidated XX/XX/XXXX there were no loans from XXXX - XXXX to be consolidated. This is fraud! 

There were no Federal Student Aid Loans or any other education loans after the consolidation of the XXXX and XXXX Federal Student Aid Loans  that were consolidated XX/XX/XXXX. 

Nelnet began servicing my Federal Student Aid Loans in XXXX. 

There were no Federal Student Aid Loans or any other education loans to consolidate. 

I never authorized Nelnet to consolidate any Federal Student Aid Loans, there were none to consolidate, this is fraud! 

Why has XXXX been consolidating my consolidating my loans again and again when they were not the loan servicer at the time of the XX/XX/XXXX consolidation ; there were no new loans to consolidate after XX/XX/XXXX?
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CITIBANK, N.A. (WA)

I have been called numerous times in the past couple months. Each time I say yes I want to take care of any outstanding debts but I would like more information on who is contacting me. They just say they are working with the collection agency. Now I am being contacting by a XXXX XXXX and she said I have XXXX and I am going to be summoned at work or at home for fraud and breaking a contract. She gave me a case number. I called the court house in my county and I do not have any charges against me and that the court house does not issue a case # with out having it in the system. The courts said it is a scam
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a XXXX XXXX account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for XXXX and XXXX and the last month it reported that was XX/XX/XXXX. I just updated my XXXX XXXX and for XXXX its reporting 30 1, 60 1, 90 37, for XXXX and its reporting 30 1, 60 1, 90 3, for XXXX! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for XXXX and 30 1, 60 1, 90 38, for XXXX. How did it go from 1 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MSCB, Inc. (AR)

This company calls me over and over and over. Ive told them could they not call me during my work hours. I work on the phone and them steadily calling me is a distraction. 
Theyve called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today. Ive already sent them a cease letter as well as a debt verification letter.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (NJ)

Early Warning Service has refused to send me the report that they have on me. On XXXX XX/XX/XXXX I called and requested a consumer Report and the representative on the phone stated that I had to fill out another form and send back. Which I have and I have yet to receive my consumer report as stated. The representative told me that I am reported to them by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank. I stated that I wanted to dispute those because two were open using my identifiers without my consent. ID Fraud and I had previously back in XX/XX/XXXX talked to XXXX XXXX XXXX and XXXX about this and told them to close the accounts because I did n't open them. So these reportings are wrong and they should n't be reported.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dating back from XXXX of XXXX, I have made numerous attempts to contact Transition via mail in an effort to rectify and have them remove the inaccurate and fraudulent information that is reporting to my consumer report. On XX/XX/XXXX, I attempted to call Transition to ensure that they have received my FTC report and spoke a representative by the name of XXXX who notified me that even though I submitted an FTC report and Transunion did in fact receive this report that they would not be able to remove the items that are showing up inaccurately and fraudulently. I also informed her of the various addresses that do not belong to me, a public record : Bankruptcy that does not belong to me in addition to a collection : XXXX XXXX XXXX that is showing up on my report and two other accounts that are showing up as owed and delinquent : XXXX XXXX XXXX XXXX XXXX and XXXX. I also notified this representative that there were also inquired that were showing up on my consumer report that have hindered me from extending my open-ended consumer credit plan to various corporations including ; XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and US Small Business Administration. After having this conversation I left feeling anxious, overwhelmed and depressed knowing that inaccurate and fraudulent information could show up on my consumer report and possibly not be removed.
Consumer complaint received 2015-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (NC)

I went in to Region Bank XXXX XXXX in XXXX NC and made a deposited of 2200.00 and was advised by the teller XXXX XXXX that a XXXX XXXX hold would be placed on 2000.00 until XXXX/XXXX/2015. I agreed to that, but the problem occurred is when I check my account on XXXX/XXXX/2015 my account was XXXX in the negative. I called customer service, because the branch was closed and spoke with several represents and they was not helpful or concern. I then reach a rep ( XXXX ) that was great and tried her best to assist me, but explain that it could only be handle at the branch. I very upset that I had to go 2 day in the weekend with no available funds in my account, because before I made the deposit it was funds available in my account.