davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (GA)

Hi there, I submitted multiple complaints to Experian Credit Bureau and asked them to remove the inaccurate information of XXXX account # XXXX, on my report and they clearly broke the law and are reporting inaccurate information and it is ruining my XXXX XXXX and this stress is affecting my physical health and my mental health. I can't sleep and I have lost so much weight. 

Look at how Experian is reporting inaccurate information and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the consumer reports they furnish and publish. There are multiple violations that carry fines and penalties. I will be seeking restitutions for these violations that by law carry a penalty of {$1000.00} per occurrence. 


Under the FCRA, I request that Experian cease and desist from reporting inaccurate information on my consumer report. 
Here are the laws that have been broken : 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 a account without my written instructions 15 U.S. Code1681i Procedure in case of disputed accuracy. Section 5 A treatment of inaccurate or unverifiable information.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DOLLAR MUTUAL BANCORP (PA)

So XX/XX/ 2022, someone walked into a dollar bank and it was not me, someone in another state and withdraw XXXX $ and the bank teller let this happen without proper identification. How does this happen? Banks have cameras right? I want the teller and the person who did this held responsible, this is not okay I want all my money back, Im a XXXX mother of XXXX I have no help now my money is gone I have bills and no one whats to hear my problems with a bank issue that I thought my money was safe at. XXXX XXXX XXXX XXXX XXXXXXXX Ohio is the dollar bank today is XX/XX/2022 no one has gave me an explanation to what took place and how. Please help me.
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

Within the last 6 months, Ive sent Multiple disputes and FTC report to credit management and to XXXX XXXX and XXXX XXXX. for some reason this account for {$42.00} with credit management keeps coming back verified and Im sure of how its being verified. One the account is fraudulent. Second Ive never done business with credit management Ive never answer into a written or signed contract I have said multiple times this is not my debt I do not assume responsibility for this debt
Consumer complaint received 2023-01-16
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. (CO)

I AM DISPUTING INQUIRIES FROM XXXX XXXX XX/XX/2022. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all XXXX parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Consumer complaint received 2022-05-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (SC)

Ive tried calling the college and nothing it was the group home I was in when I was a teenager, they applied to the college without my knowledge and tried to get me out of their care as soon as I turned XXXX, I went to a different college at the same time I supposedly went to the college the charges are coming from.
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

My loan was recently transferred to MR. Cooper from XXXX. There was no communication from Cooper. I know it takes time to transfer so I waited until the XXXX to try to access my account ( no website info was provided ), but couldn't create an online account. I attempted to call Mr. Cooper but no one would answer the phone, only a computer. I need to speak to a person in regards to not having access. After going around in circles with the computer, I had to call my old loan officer who informed me there is a delay in the transfer. 

So I finally received emails from Cooper yesterday and have online access. They also said they received my payment on the XXXX but it is now the XXXX and there are no pending transactions from my bank account. I attempted to call again, and same computer dance. This is unacceptable. I should be able to talk a person in regards to an issue. The computer can only take payments and give account info, not fix issues or answer inquires.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX  XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XX/XX/2023 Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX I, XXXX XXXX, am a consumer/Natural Person. Credit Collection Service, LLC, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC1692 ( a ) ( 6 ). It has come to my attention and understanding that Credit Collection Service , LLC has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to Title 15 USC 1692 ( c ) ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692 ( c ) ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692 ( c ) ( c ) ( 2 ), I am involving specified remedy as the original creditor and demand the following : - XXXX out the balance - Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via mail. 
- Cease and desist reporting of the debt collection activity to all the consumer reporting agencies before and after this date of XX/XX/2023. 
- Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FDCPA 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best Regards, XXXX XXXX Regards, XXXX XXXX XXXX Natural Person
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2020, I was notified by XXXX  through XXXX that 2 hard inquiries were placed on my credit report to open new lines of  credit with XXXX & XXXX XXXX in Michigan - a state I have never even visited or resided. These inquiries were flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX, XXXX & XXXX XXXX, fraud alerts were placed on all 3 credit reports and XXXX  immediately removed those hard inquiries from my account ( I can provide documentation, if requested, but will not upload at this time, as it contains NPI ). XXXX  notified XXXX  & TransUnion, to which neither took action nor contacted me. I pulled my TransUnion  report on XX/XX/XXXX and noticed there is a hard inquiry from XXXX XXXX from the date in which the fraudulent activity occurred. I tried to file an online dispute, but can not dispute hard inquires online. I was able to dispute online, and successfully remove, the fraudster 's phone number from my TransUnion  report ( it was a XXXX area code ). I have been on hold for a " specialized fraud agent '' to handle this dispute for over 4 hours now. Once XXXX XXXX  EST comes, they will shut off the phone lines, regardless of those in queue. Additionally, since these are hard pulls, they negatively impact my credit score.
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XXXX XXXX, I had noticed I wasnt able to log into my cashapp account, it couldnt verify my info which was not normal. ( This is 2 days before my scheduled, expected tax return of {$6900.00} was getting deposited ) So I called cashapp and told them my cash tag had been changed, my picture was removed, email removed, and Last name taken off. I was not able to log in at all, but while on the phone with cashapp, they asked me if I was familiar with the most recent transactions, which were from someone I didnt know, they had sent me {$2.00} and then sent it back to themselves.They also asked me if I knew about the new device login from an android phone. I clarified that all of that wasnt from me, and they informed me that it seemed as if someone was attempting to do something sketchy. They put my account on a 48-72 hour security hold, still not allowing me to log in until the hold was clear. I told them my concerns about a very large amount of money coming in, in less than 2 days. They assured me that nothing or no one would have any type of access to my account until the hood is clear and we update all my information. Again, they reassured me not to worry, my money was safe and to wait for an email from them. 2 days go by and I have no email, so I called to see if I could log in and see if my return has been deposited. They told me the account was all hood and to log in with new and updated info. I logged in, had {$0.00} balance and checked my activity, and the most terrible feeling I had when I saw dozens and dozens around 50 transactions, back to back, each in the amounts of $ XXXX {$200.00}. They had all cleared, nothing was pending, no accounts were flagged, and all my money was drained. We then also saw that the unknown device was STILL logged in, which is how the scammers got access. Cashapp failed to take the correct security measures to prevent that from happening. I am just dumbfounded at how any financial institution could allow a number of transactions like that to go through without suspecting fraud. I opened a case with them, and in less than 24 hours they told me they denied my claim. I find cashapp completely negligible in doing their part in protecting our security. In my situation, its baffling knowing they were aware of suspicious activity, and somehow, {$6900.00} got fraudulently transferred in small increments within a couple hours. No security measures were taken, no protection, or verification methods. I need help in what to do next. I have reason to believe my situation was neglected and the outcome was highly unfair and disappointing. Please help me on what to do next.. thank you for your time. 

XXXX XXXX
Consumer complaint received 2023-01-16
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (OH)

On XX/XX/2022, I found out that there is a collection on my report from XXXX XXXX for {$650.00}. I do not have an account with XXXX. I have tried to dispute this Item with the company and It was unsuccessful. I currently have a fraud alert on my credit file and I believe that this is an action of fraud.
Consumer complaint received 2023-01-16
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. ()

The is hard enquiry addded to my credit report on the XXXX XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want it to be removed I do not know anything about it. 
On the XXXX of XX/XX/2022 an XXXX was added from XXXX XXXX finance. 
XXXX account was added but it is an old account I want it to be removed. 

XXXX XXXX was added as an enquiry I want it to be removed I am not responseble for this Old account XXXX XXXX XXXX was added I want it to be removed it was closed. 
XXXX XXXX XXXX XXXX XXXX  XXXX was added as an account I do not recognise this account I want it to be removed from my report. 
Also XXXX XXXX XXXX  I do not know this enquiry I want it to be removed ' XXXX  was cloced years back I want it to be removed. 
XXXX XXXX XXXX XXXX XXXX  I also want that account to be removed it just recently added without my knowledge
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, I received a Fraud Alert from my company XXXX XXXX that a checking account has been opened in my name with Well Fargo Bank. 
I have NEVER dealt with Wells Fargo Bank and I did not open the account in question. 
I contacted XXXX XXXX and they made a conference call with me to Wells Fargo Bank. 
Wells Fargo Bank placed a " Hold '' on the account and reported it as Fraudulent. 
I physically went to a local Wells Fargo Branch office to confirm the " Hold '' and was given the account number which was opened in my name and was told that the account is frozen..
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I had a payment with American Honda Finance scheduled on XX/XX/2020 The payment never went through and I was never notified by the company. Now, I am unable to qualify for a mortgage because of the late payment reporting on all three bureaus ( XXXX XXXX XXXX )
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

My auto loan from US Auto sales was sold to Westlake. During this transfer, my warranty and gap insurance which is included in my monthly payments has been voided. Although voided, Im still required to make the same payments without coverage. Additionally, previous payments made to US Auto Sales are not being reflected. My balance current day is the same, actually higher than what it was the day I drove off the lot
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I opened accounts, deposited checks, had wire transfers and then was told my accounts were closed, and that they gave my money to somebody else and I opened an investigation with the banks and they were ordered to give me all my cards and account info but didn't and wouldn't switch them back into my names and wouldn't say where to get my money nor why my account was closed as soon as the money made it to the account at Wells Fargo, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX  with the various cards and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, And Phone payments that I didn't authorize since my phones were purposely stolen. XXXX filing police reports and not getting my things back or this issue settled as I don't control the world while all this negative public portrayal of me goes on. XXXX XXXX
Consumer complaint received 2021-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (TN)

On XX/XX/XXXX of this year aka yesterday, a civil servant came to my door bearing a summons to court for XX/XX/XXXX of this year. I saw no badge or uniform on this person and called to see if the court date was legitimate. 
It is. 
My sister acting in my stead with my permission and me being in the same room as I was in a bad mental place called to speak with the attorney 's office and was told to take out a loan. I, after getting a handle on myself, recalled the office trying to set up a payment plan. This will be difficult to do but I do not want to go to court. I was refused and told to get a loan or take my chances in court. 
I have neither the credit or collateral to do so. 
Today, XX/XX/XXXX, I called in order to have the office send m a copy of the debt validation letter which I do not have a copy of. XXXX XXXX, the person I have spoken to, would not listen to what I asked for specifically instead saying they would put in an order for the company to send me a secondary validation letter. 
She was very aggressive and I feel very intimidated trying to put my thoughts together and form answers. I do not like confrontation and I suffer from XXXX. 
I am very concerned aboout all this because I don't have the complete account number on either the court summons and I don't have a validation letter warning me about legal action. The only thing I have in my possession is this court summons. I don't even know how much the original debt was for.
Consumer complaint received 2019-10-29
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. (AL)

I NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY CREDIT REPORTS.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RS Clark and Associates, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE