davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
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. (SC)

I received an email from experian on XX/XX/XXXX at XXXX XXXX indicating that Experian has opened my dispute. Within 30 minutes, I received an email indicating that the dispute has been completed. However, there has not been a dispute filed. I never opened a dispute with experian. When I checked my credit report, a new negative account had been placed on my experian report. It is a XXXX account XXXX This account is a direct result of this dispute that I never opened. 

Experian states that the account has been opened since XX/XX/XXXX. However, there are on 3 months of reporting activity. 

As a matter of fact, as I am typing this, at XXXX, I received another email from experian indicating that they are " almost done '' with another dispute that has been opened. 
This is not the first time that this has happend. They have also opened a dispute for a XXXX account that was not on my credit report but now is. When you dispute an account with experian, you are no longer allowed to have it reinvestigated. They don't allow it. Experian is adding these accounts onto my credit report and ensuring that I can never have them reinvestigated and removed. The disputes are fraudulent activity by experian. I will guarantee you that more disptes will be opened and each one will come back with a result of verified for the sole purpose of preventing the accounts from being reinvestigated. 

I filed a dispute with experian well over 6 months ago, and the negative results were removed from my credit. These were either the result of identity theft, or mistaken identity. I have almost the same social security number as a man by the name of XXXX XXXX. Our socials are exactly the same except got the middle digits. Mine are : XXXX and his are : XXXX. His accounts end up on my credit report all of the time.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

Since the date of XX/XX/2020 I have not received my way2go debit card for unemployment and i have called sat on hold to the point my government minutes were tremendously deducted and I'm still disappointed not satisfied and I can't seem to get the point to why it's almost XX/XX/2020 and haven't received anything from my unemployment on a debit card please email XXXX or call to speak to me XXXX XXXX on this matter at XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

Notice for Proof of Claim Account : ENHANCED RECOVERY COMPANY # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CT)

The Department of Ed ( Nelnet ) is my newest student loan provider. They are showing on my credit report that these are loans being reviewed over the last 2 months, yet I have had these loans for over 60 months, actually since XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My credit report shows they were opened in XXXX, which I do not understand. 
I have been paying these loans on time ever since I was eligible to pay them back since graduating in XXXX. When the pandemic hit, student loans were deferred, allowing no payments to be made without penalty. I have {$0.00} in past due amounts and {$0.00} in late fees. Yet, Nelnet is affecting my current XXXX XXXX by saying they are reviewing it for only 2 months and reported these loans on XX/XX/XXXX. 
I am writing because I would like these to be removed from or changed on my credit report. I am refinancing a mortgage and have great credit. This is affecting my credit negatively and unfairly. The CARES act provided assistance during the onset of the XXXX pandemic for student loans and this falls firmly under that category. I should not be penalized for this on my credit report. 
The loan amounts are {$2800.00} and {$570.00}.
Consumer complaint received 2020-07-20
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. (AL)

On XX/XX/XXXX, I submitted a dispute for XXXX BANKRUPTCY XXXX XXXX AL XXXX -- # XXXX with experian. I received to response from them or no reporting that the account was in dispute. Over 45 days later I sent another letter asking for the removal of this account because it was past the 30 day mark to investigate. I still have received nothing from this bureau as of today XX/XX/2020. I'm asking the CFPB to help me with this issue. thanks
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (NV)

Incompetent customer service has locked me out of transfer of funds to my bank account. They promise to resolve the issue and to call back but never do. They have in their hands money that they refuse to transfer to my bank account, telling me go to the bank to withdraw it.They ignore the covid-19 restrictions and inconveniences of in person business dealing, necessary appointments etc. I have spent hours on the phone on hold and trying to get them to correct THEIR mistakes to no avail! I tried calling back the number from which the only potentially helpful rep, who did not call me back as promised, to receive the message the number is no longer in service! These are unquestionably the most incompetent, irresponsible, poorly trained representatives in decades I have ever dealt with. They messed up the account, effectively seized my money until I can get an appointment at the bank and are unable to do anything to correct their overreach. They have you on hold for so long that I must plug my cell phone into the computer to keep it charged to the end and hope that I do not exceed my minutes allotment. The ONLY way to get someone potentially competent to assist is to file a consumer complaint that will get their attention. Don't want bad press, just to deliver bad service. Saying customer service is bad, is paying them a compliment .Being on hold for 50+ minutes ( I was told others wait longer ) " appreciating your patience '' is just a way to get you to give up, hang up, go away. That is their idea of customer and attempting to solve a problem. Latest : Their customer service rep disabled my account and they say there is NO WAY for them to correct it. I must go weekly to the bank or an ATM during new covid restrictions and notwithstanding what my balance may be I can not move more than {$100.00} per visit!!!!!!!!!!!!!!!!!!!!!!!!!! They are effectively stealing my money by withholding or delay of payment for their investment profit.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.
Consumer complaint received 2019-04-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is for Maryland. 

My wife and I originally purchased our home in XX/XX/XXXX and in XX/XX/XXXX we did a refinance with Bank of America. We signed a Deed of Trust in XX/XX/XXXX and the Lien was recorded with the county in XX/XX/XXXX. However, BoA messed something up with the paperwork and we had to re-sign an updated Deed of Trust in XX/XX/XXXX which was for {$770.00} less than the XX/XX/XXXX paperwork and was just reflecting the updated amount of the loan and was NOT a new lien. That Deed of Trust was recorded by the county in XX/XX/XXXX. The loan was then sold to XXXX in XX/XX/XXXX and we continued to make all payments until XX/XX/XXXXwhen we re-financed again. We got a Lien Release from XXXX in the mail as expected and didnt have any concerns. 


Now, we have a sales contract on the house and in the course of the Title Search, the lien from XX/XX/XXXX is coming up as unreleased. I didnt think it would be a problem since I have all the paperwork and so I contacted Bank of America and sent a copy of the XX/XX/XXXX Deed of Trust and explained that the XX/XX/XXXX lien was still open and it needed to be closed since it was in error. 
Since then I feel like I have gotten nothing but a run-around and conflicting information every time I call. I even went into my local BoA branch last week and had the branch manager help me escalate with the Lien Release department and now when I called today for an update Im getting completely new and different information than what I was told on Friday with a BoA person on the phone with me. BoA is claiming they have no record of the XX/XX/XXXX Deed of Trust and therefore cant help me and I should contact XXXX  ( now know as XXXX XXXX ). So I called Nationstar and they confirm that they only received paperwork on a Deed of Trust dated XX/XX/XXXX and that they properly released it when we paid off the loan in XX/XX/XXXX. So I contacted BoA again and they continue to claim that no Deed exists and if it did exist then it would have been sent to XXXX. 


Its clear to everyone looking at the Deeds of Trust that they were for basically the same amount and the paperwork even has the exact same loan number of it but I cant get anyone who does the Lien Releases to acknowledge that. I was supposed to close on XX/XX/XXXX and that had to be delayed because the title insurance wont sign off with the encumbrance. 

No one seems willing to help and issue the lien release. 

I have attached a title search showing the Deed recorded on XX/XX/XXXX being still open/unreleased and also attaching a copy of the XX/XX/XXXX Deed of Trust that was notarized and submitted to XXXX County Maryland and shows a recorded date of XX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (IN)

The first problem is the loan is in my Husband name. XXXX XXXX of XXXX XXXX XXXX XXXX, Ohio XXXX. It's with Harley Davidson Financial Services. I turned the motorcycle over to a bike shop to remove the add ons I placed on the bike and per Harley Davidson Financial I advise the bike shop owner to contact XXXX XXXX and get the bike. The XXXX  XXXX is not in my possession and I am still being harassed by Harley. I have given them XXXX number and address and told them to leave me alone. Please make them stop contacting me.
Consumer complaint received 2021-04-21
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)

There are 5 accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXXAmt {$22000.00} XXXX / XXXX - Acct # XXXXAmt {$710.00} XXXX XXXX XXXX -Acct # XXXXAmt {$8400.00} XXXX XXXX- Acct # XXXXAmt {$0.00} XXXX/XXXX- Acct # XXXXAmt {$0.00} Inquirires XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2019 XX/XX/2019
Consumer complaint received 2021-01-20
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: HW Holding, Inc (TX)

Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXXXXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXXXXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2200.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX fl XXXX phone number XXXX XXXX XXXX XXXX I have never had an account with this person : a person by the name of XXXX XXXX made these charges against me. and then stole the money for herself. She was a manager with the company at the time and stole money from the company. Then placed me and other persons in default. A criminal case was made at the time. The information such as timeframes is incorrect
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (RI)

XXXX  reported Wells Fargo /XXXX XXXXXXXX XXXX XXXX account fraud account XXXX my right dont agree remover only say account has verify why is Verifycation use this account is no mine and danger my score and need remover immediately
Consumer complaint received 2021-03-17
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: CORELOGIC INC (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (CA)

Ive been trying to get help for the last few weeks but have been unsuccessful. The website doesn't let me sign up or the phone calls have been nonproductive. Signed up for payments with Acima and they took a payment of {$32.00} and it was successful, however, the problem came when my bank sent me a new credit card with a new number. So, I called the company to update my new number so that my payment would be on time and uninterrupted and acima told me that my last 4 digits of my social security number that I gave them didn't match the one they had on file which was a shock to me. So I asked them could I just give them my new credit card number so I could pay it off and they told me no, I have to send them my social security card and drivers license over the email for them to verify my identity or I could not pay my balance and I would incur late fees. I don't want my credit to go bad as I have perfect credit. Im worried to send my personal info to them over email because it's not encrypted or secure. I told them I felt uncomfortable about that and they said that's the only way. I want to pay my bill off but they wont allow me to do that. I am stressed and over all of this. I want a resolution that does not involve me sending my personal info via email but they offered none other than that, XXXX couldn't help me either as they said they paid them off. Please help me.
Consumer complaint received 2019-04-09
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. (OH)

I have some inquires on my report that were not authorized by me from the follow companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX please delete these inquires they are not mine. I am compelled to demand that you provide communication exclusively through printed letter. Please contact me about this inquires in writing, to me at home. If this reasonable request can not be met, this may indicate Trans Union XXXX, XXXX disregard for consumer protection statutes.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

RE : XXXX XXXX, XXXX : On XX/XX/2019 the attached letter and supporting documentation was sent to Experian Credit and to date, the business credit report for XXXX XXXX, XXXX has not been updated and/or corrected.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (MD)

I was giving my daughter a loan via XXXX. I inadvertantly used an old email and I filed another CFPB complaint against my bank, XXXX  XXXX XXXX. The bank was able to confirm that the transaction was sent to M & T Bank, but since it was a completed transaction, they asked, but apparently M & T would not return my money. Hence, this complaint against M & T Bank. The account that the money was sent to was apparently in contention with my daughter, and she has not accessed the account in months, so it appears that M & T is trying to keep my money {$400.00} for their issues with her account. I don't feel that they should keep my money sent to them in error for a dispute that has nothing to do with me.The account in question is M & T Acct # XXXX. It is my understanding that my daughter has notified them of the error, and also filed a complaint with CFPB, but they are trying to keep my money!
Consumer complaint received 2019-04-09
Product: Credit card or prepaid 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. (CA)

On XX/XX/19, I purchased XXXX XXXX tickets for {$400.00} and was requested to pay via XXXX XXXX. This is a transaction that occurs over the phone and paid it to a phone number XXXX via the XXXX XXXX. I sent the money and then the person never emailed the XXXX tickets as promised. I tried to contact the person by phone and I was blocked. I also tried calling via another number and also then blocked. 

Immediately after realizing I had been defrauded, I contacted XXXX XXXX  customer service and alerted them to the issue and requested they hold the funds. I then contacted my Citibank credit card company and immediately disputed the charge. At this point in time, they have stated that they only temporarily credited my account. The merchant responded and will favor with them, with no regard for items not received even though they were both aware that this was a fraudulent transaction.