davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent the followin commen to Bank of America : All I wanted to do was activate my cxard, # XXXX. Instead I get advertisements for " XXXX XXXX '' vacation in the XXXX, and loans. All I want to do is actiovate thje new care THAT I DID NOT ASK FOR If I ever experience this again, I will cancel my ssociation with your bank COMPLEtELY!!!! 

I still am not certain that I was able to renew my account. 

I had about six different promotions offered to me rather than the promised reactivation of my card.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (MI)

On XX/XX/2023 I requested a payoff from XXXX by XXXX XXXX. They provided the information needed which was {$6300.00}. Account number ending in XXXX. Their infprmation phone number is XXXX. On XX/XX/2023 I requested XXXX XXXX XXXX to pay this off via Loan XXXX XXXX XXXX, phone number XXXX. XXXX XXXX issued Cashier 's Check # XXXX in the amount of {$6400.00} to XXXX XXXXXXXX XXXX XXXX as instructed. On XXXX XXXX XXXX cashed the Cashier 's check as evidenced by attached document. At some point XXXX XXXX contracted with XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, customer inquiries XXXX. To date I have spoken to customer representatives at SST all of which agreed to assist me but they keep sending me notices to pay and have not confirmed that the account is paid. The account number with SST is XXXX. I have notified SST that the collection is at least illegal as it has been paid and I sent them the same proofs as enclosed herein.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-11-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-06-23
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. (AL)

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


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-06-23
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. (MO)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX amount {$750.00} XXXX XXXX XXXX XX/XX/XXXX amount {$700.00} XXXX  XXXX XXXX  open XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX XX/XX/XXXX amount {$5100.00} XXXX Bank XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX open XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX  open XX/XX/XXXX amount {$470.00}
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXX XXXX XXXX XX/XX/XXXX amount {$750.00} XXXX XXXX XXXX XX/XX/XXXX amount {$700.00} XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX XX/XX/XXXX amount {$5100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX open XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX open XX/XX/XXXX amount {$470.00}
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hey Navient ; XXXX ; Experian ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. XXXX XXXX sued by XXXX Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across XXXX states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (IL)

Filed Credit Disputes to all 3 credit bureaus disputing XXXX XXXX XXXX debt to no avail. Called XXXX throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over XXXX reporting system. 

XXXX is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

XXXX is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have submitted various complaints about a bankruptcy that is appearing on my credit report. I have asked for an investigation and it comes back verified! How is my bankruptcy being verified with XXXX XXXX when my XXXX XXXX is frozen and suppressed? This information is inaccurate and misleading. According to the FCRA there is no public records and I have a letter from the bankruptcy court stating they do not verify with the bureaus. It is a violation of my consumer rights to have my private information reporting without my written consent.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRSTBANK PUERTO RICO (NJ)

First Bank FL MANAGER XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX RE : XXXX XXXX c/o XXXX XXXX ( niece and Power of Attorney ) XXXX XXXX XXXX XXXX XXXX NJ XXXX I am in a XXXX home ( XXXX XXXX ). 
I have not done my Taxes in the years : XXXX ; XXXX ; XXXX ; XXXX. 

I requested four ( 4 ) 1099 Forms so we ( my POA/Niece and myself ) for 4 years so we can do my Taxes and send to the IRS. To First Bank FL at the address above on XX/XX/XXXX. They did NOTHIGN for 1 month. My niece contacted 1st Bank Florida in XXXX XXXX again 1 month later ( XXXX XXXX ) and they wouldn't talk to her, despite sending in the POA forms and 2 death certificates of POAs # 1 and # 2. jthey wouldn't grant her POA! ) so i have to type up a letter and get it notarized in my XXXX XXXX, for Every CD expiring that I want CASHED and mailed to th e above address to pay for my XXXX XXXX 

1st Bank FL called me at my XXXX XXXX 3-4 weeks ago, andn I verified that YES, I DO WANT AND N EED 4 YEARS WORTH OF 1099 's TO DO MY IRS TAXES !! I WAS REQUESTED TO SEND IN : DRIVER 'S LICENSE ( i AM XXXX YEARS OLD BUT HAVE A LICENCE ) ; INSURANCE CARDS, ANDN I ALSO INCLUDED OTHER INSURANCE CARDS " AND '' MY SOCIAL SECURITY CARD, ALL XEROXED TO BANK ON XX/XX/XXXX. 

STILL NO 1099 's FOR 4 ( FOUR YEARS ) SENT TO M E!!!! I HAVE BEEN WAITING FOR 2 LONG MONTHS TO GET THESE FORMS, AS THE 1ST REQUEST SIGNED WAS SENT ON XX/XX/XXXX!!! TAX SEASON ENDS IN 1 MONTH, AND this DARN OBSTINATE BANK IS THE ONLY BANK THAT I AM WAITING FOR, TO COMPLETE MY TAXES AND SEND TO MY NY ACCOUNTANT!!! 

Why are these people so obstinate? Lazy? or not followiong rules for their Customers??!! 

I N EED MY EARNED INTEREST INCOME OF MY 4 YEARS WORTH OF MY MANY CDS IN YOUR LOUSY BANK : 1ST BANK FLORIDA, ASAP/ IMMEDIATELYK!!
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

I have an issue with Midland Credit Management. Prior to the pandemic I had lost my job and all my credit accounts went into collections. I was able to make a payment plan with the company who previously owned this debt, and have made all payments as per the agreement. Midland purchased the debt, and again, all payments have been made as per the agreement. When I called to find out a payoff amount, I was told that the amount to pay it off is {$19000.00} - HIGHER than the currently owed amount. In other words, I have not paid anything on the balance after 3 years of steady payments if I attempt an early payoff. Their website does not define how the payment is applied, if there is any interest, nor if additional payments would reduce the debt load. Effectively, I am stuck with a 50 year payment plan. The original balance was {$19000.00} - I have paid {$140.00} a month for over three years, which causes them to say the balance is {$13000.00} - but when I call to find out the payoff I am told it is {$19000.00} This is definitely a predatory practice, when you can never eliminate the debt. Please help.
Consumer complaint received 2021-11-30
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 (PA)

BANK OF AMERICA CLOSED MY ACCOUNTS FOR NO REASON. I HAVE 100s of Bill pays set to my account, and it negatively affects my credit scorXXXX. Please reopen my accounts ending in XXXX and XXXX. See two letters attached. Please do follow up with me.
Consumer complaint received 2021-06-23
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. (NJ)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-23
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. (NJ)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-05-01
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: Synovus Bank (DE)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CApital one claim I got a loan from them. I never got a loan from capital one to finance a vehicle ever. Ive disputed this information with the agency and still nothing. At this point this is depressing. This account is currently listed as open on my account I need this removed Ive never even lived in the state they claim this car was bought. XXXX XXXX 
I reside in XXXX
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I informed TransUnion in writing via certified XXXX mail that they're reporting unauthorized inquiries on my consumer report. As of XX/XX/2021, I have not received a response to this matter.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I am a participant of the Public Service Loan Forgiveness Program ( PSLF ). I am currently 4 payments away from loan forgiveness eligibility. In review of my payment counts, I noted that payments made between XX/XX/XXXX through XX/XX/XXXX were missing from my total payment counts. I sent Mohela proof of bills sent to me by my servicer at the time ( XXXX XXXX ) and payments I made at the time. Despite this proof, Mohela has refused to honor this payments. Per Mohela, these payments were made during an " in-school deferment period '' and thus not eligible for PSLF. I have spoken with multiple persons at Mohela letting them know that there seems to be a discrepancy as these bills were sent directly from my lender at the time and thus NO deferment existed during that timeframe. These 5 counts are the last counts needed for my PSLF forgiveness eligibility. I fail to understand how Mohela decline to accept that there may have been a clerical error given proof that I was not in repayment ( hence bills from my lender at the time ) and supporting payment information.
Consumer complaint received 2022-05-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-23
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. (MA)

On XX/XX/2020 I sent a letter to the Credit Bureau Experian asking for a validation of the account ( XXXX XXXX ) I got no respond then I sent a second letter on XX/XX/2020 and Still no respond..
Consumer complaint received 2022-11-07
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian  and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX  ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$0.00}