davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (CA)

I sent a letter to EQUIFAX on XX/XX/22 via certified mail notifying them that a fraudulent XXXX BANK account ending in XXXX was reporting on my account and it was to be removed and deleted immediately. EQUIFAX did not comply. 

I sent a second letter to EQUIFAX on XX/XX/22 and attached an FTC Identity Theft Report noting the XXXX BANK account ending in XXXX. The XXXX BANK account was finally deleted from the credit report. 

Due to needing my credit report to be clean and where it should be so I can get approved for a home, after about XXXX weeks of waiting for updates, I noticed that my credit report was not updating with the changes and decided to call EQUIFAX directly. ( I also sent a second FTC Identity Theft Report on XX/XX/22. ) I called and the employee from the dispute department assured me that the aforementioned XXXX BANK account was no longer reporting and to wait for the changes to update. I patiently waited another 2 weeks and nothing changed, so I called again. The employee from the dispute department confirmed to me again that the aforementioned XXXX BANK account was not showing on my credit file ( case # XXXX ). Since I was unable to access my report online, I asked for an updated credit report in the mail. I patiently waited another 2 weeks for the changes and my updated report and there were no changes. I called again and the employee from the dispute department told me that the aforementioned XXXX BANK account in question was in fact reporting on my file ( case # XXXX ). I am EXTREMELY frustrated. I was lied to. 

EQUIFAX is ruining my reputation by reporting this fraudulent account and are violating my federally protected consumer rights under the Fair Credit Reporting Act. I did not give EQUIFAX written instruction to report the ( FRAUDULENT ) account violating 15 USC 1681b ( a ) ( 2 ). Furthermore, having this account reporting is a violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). It explicitly states that a consumer report is not to contain any information solely to transactions or experiences between the consumer and the person making the report. 

My consumer rights continue to be violated by EQUIFAX, as this account is still reporting, and this is causing my reputation much harm. I am NOT able to get approved for a home because of this inaccurate reporting. I am being discriminated against. This is causing me and my life so much harm. Per the FCRA, it is EQUIFAX 's duty to protect me as the consumer and is required to be reporting accurate information- which they are failing to do.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (PA)

I Attempted to access my CONSUMER but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NJ)

On XX/XX/2021 at XXXX, I was called from the Citi bank representative ( male ) fraudulent department, phone number ( XXXX XXXX XXXX ) about our checking account suspicious activity. The amounts of {$500.00}, {$5000.00}, {$2500.00}. I was told that somebody was trying to use XXXX for these transactions. 
I was not aware of any of these transactions! I agreed that with the help of the Citi bank representative my debit card was canceled. I was instructed to login to my XXXX Citi bank app to use XXXX to reverse XXXX of these transactions that already was in transit for the amount of {$2500.00}. I followed the steps and I was told that within XXXX - XXXX hours the amount of {$2500.00} will be safely back in our checking account. The amount of {$2500.00} never came back. 
When the money did not appeared back into our checking account, we immediately stared to dispute this fraudulent act with the Citi Bank, we called many times, we send a certified letter. 
We received responds from the Citi Bank denying our claim. Citi Bank never ask to provide any of the information. 
I'm kindly asking this agency CFPB to help us to resolve this fraud and help us to get the amount of {$2500.00} back to our checking account. 
Respectfully, XXXX XXXX
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

My husband and I are paying a substantial amount on a used vehicle. We are supposed to pay a monthly payment of {$570.00} dollars. We fell on hardship and called to see if we could lower our payments they said no they couldnt. Upon checking our lease agreement we noticed there is different numbers on our agreement versus our credit report.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

Two months ago I signed up to get my full report for {$1.00}. Unbeknownst to me it was through Experian and only gave my Experian report which was a total waste. Now Experian has locked me out of my account until I pay XXXX for a service I do not want nor signed up for. I have tried resetting my password and answering their security questions which they can never keep right and I have to constantly call and get them to fix them which I am wondering if they really do.
Consumer complaint received 2022-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC (WA)

I hired XXXX XXXX XXXX XXXX to remodel my home, with a written contract and financing through Mosaic ( their bank ). XXXX  told Mosaic that the job was completed for the kitchen remodel when it was not. Mosaic released the funds for the ENTIRE contract to XXXX despite the job not being done. Since XX/XX/2022, I have tried to reach out to Mosaic via phone, text, and email to get this corrected and to reclaim the funds from XXXX  to no avail. XXXX  is refusing to return the funds and refusing to complete the contract. I am still being held accountable for the monthly payments despite their refusal. Since they haven't been back to finish the job, I've had to finish it on my own. Because of this I want a full refund. I'm uploading some pictures, but I have a whole video that I can provide that shows the extent of how unfinished the project was.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On XX/XX/2022, I found out that my money was gone in my savings account and so called " joint account '' with my distant relative without my knowledge worth {$150000.00}. He access my account and transfer all my money on the so called " joint account ''. She left me broke and he open another credit cards under my name and maximized and used it and get a autoloan an estimated total of $ XXXXWe already filed an identity theft and fraud to them but they did not recognise it. 

I have XXXX XXXX and can not see clearly and I leave alone. Hope you can help to file a complaint or to sue them.
Consumer complaint received 2022-01-19
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: Nelnet, Inc. (FL)

XXXX XXXX the consumer, Continue to Be damaged by the injurious nature of Nelnet / US DEPARTMENT OF EDUCATION. This is in response to Nelnets documentation and response thereof. Nelnet inc has Documented evidence of my account in a forbearance status with no interest incurring. Nelnet has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of NELNET INC AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to XXXX,. This is not authorized.. this is a data breach. It has been stated by Nelnet That they must Furnish my account data proving they had no real reason only that must, Nelnet claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. NELNET INC also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 OID or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form 13909. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As NELNET is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. XXXX XXXX the consumer know I am the lender and with the credit, Nelnet has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.
Consumer complaint received 2021-07-16
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 — Was not notified of investigation status or results
Company: AES/PHEAA (CO)

I was told over the phone that my late payments would not be enforced as they would consider them deferred. They since been on my credit report affecting my score no matter what I do. I've been paying my loans back automatically with no change. What more should I do? I have over XXXX in loans, I am a XXXX  who had to work through this pandemic and still can not afford to purchase a home due to my credit from these previous missed payments.
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In late XXXX XX/XX/XXXX I received my escrow statement showing that I would either have my monthly payment go up or I had to make a payment. I made this payment and Bank of America incorrectly applied this. I found this out on XX/XX/XXXX and immediately called. I was told that it would be fixed and applied properly and that I would get a statement on XX/XX/XXXX well before my due date of XX/XX/XXXX showing the correct amount. I received a statement on XX/XX/XXXX dated XX/XX/XXXX that showed the payments applied properly but did not correct my monthly payment to reflect this. I waited until today, XX/XX/XXXX to call as I had previously been assured that I would receive a correct statement on XX/XX/XXXX. Today I was told that the statement was incorrect but they would not provide me with a correct statement. I told them that I needed a correct statement so that A ) I would know the correct amount to pay and B ) so that I had a record especially since I had been told by them that I would have this corrected statement. Again, they told me no and that if I wanted a statement then I could wait until the end of XXXX when statements would be generated. This informed them would then cause my payment to be late, again, due by XX/XX/XXXX. Again, they told me this was the only option. This a sure fire way for people to be late on payments thus the start of the mortgage crises that we had in XXXX. They should be required to provide an accurate statement with the payee having enough time to get the payment to them on time. Bank of America clearly doesn't see it this way or care.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (TX)

A duffle bag was purchased from the company XXXX for {$85.00} on XX/XX/XXXX, but was never sent. The company stated they would provide tracking information when the bag was shipped, they never did. The company ceased to response to all of my efforts to reach out to them. I attempted to contact them XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response ever received. I filed a dispute with my credit card company, Citi Bank, on XXXX when it was clear that the merchant had no intent of providing the product I purchased. They contacted the merchant on XXXX and the merchant did not respond until XX/XX/XXXX. The dispute was resolved in the merchants favor on XX/XX/XXXX, leaving me to still pay for the unreceived product. Citi Bank never asked for any supporting documentation from me, showing that I never received the product and tried multiple times to reach out to the merchant.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I received a notification on XX/XX/2020 from XXXX  Credit Bureau in regard to a derogatory account being added to my credit file. This account states that I owe XXXX XXXX XXXX XXXX an amount of {$310.00}. I have not had any business with XXXX XXXX XXXX XXXX for almost 6 years now and I believe this is an attempt for XXXX XXXX XXXX XXXX to re-age for a second time, an account that they claim that I had owed them but when I filed a complaint some time back with your agency for this re-aging, they had sent an e-mail apologizing the action and removed the derogatory account from my credit file. The debt collection agency handling this is called Credence Resource Management. See attached screenshot for more information. Thank you.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Finance Company, Inc. (NC)

After disclosing to XXXX XXXX located in XXXX XXXX XXXX, SC on XXXX XXXX XXXX XXXX XXXX XXXX, that I was unable to make my next payment due to a death in my immediate family. They were reluctant to work out a payment plan with me at the time and encouraged me to submit payment as soon as possible. I immediately starting receiving threatening letters at my home address demanding payment or my items would be seized and/or I would be sued by their company. After carefully reviewing my credit report, I noticed that XXXX XXXX made UNAUTHORIZED HARD INQUIRIES on XX/XX/2022 and XX/XX/2022 that I did NOT give permission for. XXXX XXXX XXXX has no permissible purpose according to the FCRA. When I called to inquire about the unauthorized hard pulls on my credit report, XXXX, ( employee of XXXX XXXX ), claimed he had no knowledge that this was done. Due to those unauthorized hard inquiries and unfair reporting practices, Im unable to receive any further loan assistance. Attached is a document proving the hard inquiries were pulled via XXXX XXXX.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc. (MD)

I called American Collection Enterprises , Inc. today 3 times. I originally received the phone number from the medical provider I owed the balance too. I spoke with one guy at ACEI who transferred me to a woman name XXXX XXXX who was very rude. I asked her how can I receive a copy of the letter which they stated was mailed to me in XX/XX/2020, which I informed them I never received. Because of the back and forth conversation I asked to speak with her manager, which she state no because she's not saying what I want to hear so I hung up and retried the call to get another representative. When calling back the receptionist forward me back to Ms. XXXX. I asked if she was the representative I just spoke too. Again, it was a back and forth conversation then she put me on hold to listen to music. I called back again and demanded to speak with a supervisor, which I was then transferred to a Ms. XXXX who also wasn't listening to my request. As I stated to her I was requesting a copy of the letter they said they mailed back in XX/XX/2020. This company is very rude. I told Ms. XXXX I will call the medical provider and pay whatever is owed to them because I'm not paying someone who will not provide the communication they stated they sent. Ms. XXXX stated go ahead it will just take longer to get it resolved. Why would I pay anyone who stated they mailed me communication when I'm requesting that they send it to me again so I will know who I'm making a payment too.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

I made over $ XXXX in payments on my student loans during XXXX forbearance and requested a refund from my servicer ( aidvantage ). They have not provided any documentation on when the request will be processed and have not provided proof a request has been submitted. They also do not tell me when my refund will be issued. There is no proof or evidence that they are processing my refund and have not issued my refund ever after 6 weeks since the initial request.
Consumer complaint received 2022-01-19
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)

To EQUIFAX : I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the US Bankruptcy Court. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (VA)

This uncertain account listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2023-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my Bank of America account was involved in fraud. {$16000.00} was taken from my account because my car was stolen with all my personal belongings. I filed a police report and on the report you see that it says what was stolen. The money was transferred through my stolen phone through XXXX. I contacted Bank of America and they told me I need a police report and I will get my money back and I did this but they denied my claim and I appealed it and I was still denied.
Consumer complaint received 2022-08-20
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. (NC)

Hello. Ive tried calling the state of XXXX to dispute this. I have never had my children take away nor have I ever lived in XXXX. Ive been dealing with identity fraud for 8.5 years. XXXX says they have no record of this account yet its showing its in collections. Experian says that its valid when I try to submit a dispute. Begging for any help youd be able to provide with getting this taken care of. I have police reports filed in XXXX XXXX  and the United States XXXX XXXX as those are all the locations Ive lived when this person has used my credit. Well, the one in XXXX is for her. Thats her address. The XXXX  police said they have active warrants on this female but can never catch her in the past 8 years. Thank you.