davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

In XX/XX/XXXX I requested my credit report and noticed an account that i do not recognize. Therefore, on XXXX XXXX, 2016 I mailed a validation letter to National Credit System for an account they are reporting that they claim I owe them. I requested that they provide proof of the account. To date, I have not received a response related to the information I requested.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Arcadia Holdings, LLC (NY)

Arcadia Recovery Bureau rep called me today to ask me personal information such as to verify my addrees. to provide them with the year I was born, and I do n't know how many other questions in their list. 
The lady did n't say who they are, what they do or what are they calling me about. Instead they want me to give them personal information. 
I have nothing pending on my credit history, as I just got my credit pulled out last week and it was XXXX. 
This person who is calling in behalf of ARB is very aggressive and calls me during working hours at my office. Please make her to stop and as I asked her, to send me a letter. ( I asked her that, but she did n't understand )
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX, XXXX does not have a XXXX XXXX XXXX credit card and he has not lived a XXXX XXXX, XXXX, AL. Would appreciate having this corrected. Look forward to hearing regarding this correction.
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

wells fargo bank allowed directv to go into my account which was not authorized to take {$560.00} out of my account which they did not have this account number to. the bank can not tell me how they got this account information to take the money out. when they had permission it was stop in XX/XX/2016 they took this money in XX/XX/2016 without my permission if the bank let anyone go into your account without having your information something is wrong with the system.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX ), XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX  XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards accounts opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX with a balance that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX  XXXX  and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX  ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Consumer complaint received 2016-08-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I, XXXX XXXX filed a complaint directly with the Federal Housing Finance Agency recently directly against Bank of America, and it 's inability to apply the multiple options available to me by an act of Congress with the establishment of this agency to intercede against the fraudulent actions of national banks that brought about the real estate meltdown that started in 2008. The Federal Housing Finance Agency was established to clean up the trillions in what is known now as " zombie debts '' throughout the United States. My complaint has actually brought about a filing of a lawsuit against Bank of America, all servicers and the XXXX XXXX XXXX XXXX that is the current owner of my mortgage. The national banks such as Bank of America are in position to easily help resolve my dispute. I personally can not compete against the extensive legal and financial resources that Bank of America has at its disposal. The Federal Deposit Insurance Corporation eventually pays for all foreclosure defenses for national banks, while an individual such as myself can not afford to match said resources. I respectfully request the Consumer Financial Protection Bureau to review my complaint to see if this matter can be resolved professionally to the best interest of all parties. I had no other option but to complete a personal bankruptcy petition to cease the continuous destruction to my personal credit. However, I still wish to maintain my residence with a substantially reduced and restructured mortgage arrangement.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

To Whom It May Concern, Upon research, XXXX schools I have attended have both been closed down. However, I never obtained a degree from the schools but the student loans balance still reflects the same as if I 'm a graduate from either schools. I 've tried reaching out to my loan provider Navient however no issue have seemed to be resolved. I 'm hoping you can assist me in getting this matter resolved.
Consumer complaint received 2017-01-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AL)

I refinanced my loan with Wells Fargo. It was a nightmare to begin with, but finally we closed in XXXX First payment was due in XXXX. When I got paid on XXXX XXXX I signed in to the website to pay my payment and noticed that it said XXXX XXXX was due date. I contacted Wells Fargo TWICE to verify without a doubt that I did not owe until XXXX XXXX. I was assured both times that I did not owe until XXXX XXXX so I paid off another debt and used the rest to buy things for our baby that is due XXXX XXXX. On XXXX XXXX I get a delinquent tax notice in the mail, even though when we closed it was time to pay taxes and my escrow account had the funds in there AND with the refinance they set aside money as well. I contacted my county, they said that they were not paid. I immediately contacted Wells Fargo and was told that the check was mailed out on XXXX but it had not cleared. I contact XXXX Co again, and they have nothing. The next day, on XXXX XXXX, I get an email from XXXX Co that says they have been paid. I assumed the check was located. Then on XXXX XXXX I get an email from Wells Fargo saying my tax documents had been corrected. I sign on to the website to see what was corrected only to find that I am now 18 days late on my mortgage payment ( the one that is not supposed to be due until XXXX XXXX according to 2 different customer service reps - I still have the emails so its in writing ). I was also charged a late fee. It appears that they never actually paid my taxes like they said, instead they applied the tax money to the account. However, how would I know that when the activity shows the amount held out and they told me that they had sent it? Now I owe a payment that I can not pay until XXXX XXXX at which point I will still be one month behind, 30 days late, incur yet another late fee because XXXX will also be 30 days late and this will be a continuous cycle going forward, every month I will be 30 days late, every month I will pay a {$53.00} late fee, and every month it will continue to destroy my credit. None of this is because of my own actions. I took every measure to ensure that I was not spending money that I owed on that month. I was assured that through the refinance there was left over funds that were applied which is why that payment was not due.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint regarding two XXXX XXXX XXXX XXXX  accounts reported inaccurately on my credit file. These inaccuracies have been verified on multiple credit bureau reports, despite my previous attempts to address them directly with XXXX and the credit bureaus. The accounts in question are : Account # XXXX : ** Reported as a revolving account with a {$5000.00} credit limit and a high balance of {$5300.00}. 
XXXX incorrectly reports late payments for XX/XX/XXXX, which is inconsistent with my payment records. This derogatory mark is erroneous and should reflect 'Paid as Agreed ' or 'Never Late ' as I have not missed any payments. 
Additional issues with this account include inconsistencies in the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields, which deviate from Metro 2 standards, leading to conflicting reporting across bureaus. 
Creditor Remarks : XXXX and XXXX inaccurately list remarks about 30-day delinquency, which further harms my credit standing without documented justification. 

Account # XXXX : ** Reported as a revolving account with a {$2000.00} credit limit and a high balance of {$2100.00}. 
XXXX claims that this account had a 30-day late payment for XX/XX/XXXX, an error that should be updated to reflect 'Paid as Agreed ' and 'Never Late. ' This incorrect data point is detrimental to my credit profile, as it suggests delinquency when none occurred. 
Like the previous account, the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields are inconsistent and deviate from required standards, causing inaccuracies across credit bureaus. 
Creditor Remarks on XXXX inaccurately reflect a 30-day past due status without evidence or supporting documentation, further violating FCRA and Metro 2 guidelines. 

XXXX has provided no verifiable proof or documentation to support these derogatory remarks or discrepancies. Given that these accounts have already been marked as 'Closed ' and have a {$0.00} balance, there is no basis for reporting these as delinquent or charged-off accounts. Legal precedents, including XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), stress the need for accurate reporting and verified evidence for derogatory claims.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent Mutiple dispute letter to XXXX XX/XX/year> requesting them to investigate these accounts. 
XXXX XXXX Account XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BANK OF AMERICA XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am submitting this complaint regarding the refusal of XXXX, Experian, and XXXX to remove fraudulent accounts and inquiries from my credit report. Despite multiple disputes, they have failed to comply with federal law, specifically the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Fraudulent Accounts : XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX U.S. Dept of EdXXXX XXXX XXXX XX/XX/XXXX XXXX multiple entries ) XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX inquiry dated XX/XX/XXXX This is my third attempt to resolve this issue. The continued inaccuracies have caused significant financial and emotional harm, as I have been unable to secure housing or credit. I am requesting an immediate investigation and action to force these bureaus to comply with FCRA requirements. If no action is taken, I will pursue legal action as allowed under 15 U.S.C. 1681n for damages.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Chainlink Services LLC (UT)

They are calling former relatives, and asking for my personal information and making threats to them to tell me, they leave voicemails saying they are going to take legal action but I have never heard of this company and I have NEVER been validated of any debt that is owed. They are asking for information that these former relatives do not know but are now scared to answer since they are calling every day and multiple times through out the day. They are using harassing tactics and again I have no idea what they want or who they are.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/year> I logged into my personal and only account with PayPal Inc. It was apparent immediately my account had been temporarily limited. I contacted PayPal immediately and asked why and what needed to be done. I do what was asked of me. I provided them proof I had contacted the company that filed the UCC on my account. I told them exactly what I told the company that is not my debt. The filing is on an LLC not an individual. My personal account can not be affected by this UCC filing since it names the LLC my name is not on the filing ordered by the court. This LLC company does not even exist in the records I came across when trying to get information on the company. I did a search on the Kentucky Secretary of State as well and there are no filings on my name either. I was told by PayPal to give it 30 days and they would release the limitation if this other company does not take my money then the limitation would be removed. Its been 7 months I was surprised to log into my PayPal account about a week ago and find my money still there and the limitation still in effect. I contacted PayPal again only to be told the exact same reason and I would have to start the process all over again. When I demanded that the limitation be removed after being told if PayPal could not present me any evidence or proof that had my name on this filing, I was left to wait for yet another supervisor to return my call. My last contact was at XXXX this afternoon it is XXXX. No supervisor has called yet. This is how this company treats all its customers to they place illegal limitations on their accounts and for many different absurd reasons. I demanded arbitration asked for what I needed to do to get that started they denied helping on that either.
Consumer complaint received 2016-04-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Braviant Holdings, LLC (OH)

This loan from XXXX XXXX has charged me more interest than I ever thought I would have to pay. For a XXXX dollar loan they are trying to make me pay back XXXX dollars. In addition, they took XXXX payments out of my account at the same time. I want to resolve this loan by paying the difference between XXXX and the XXXX that I have already payed, which would mean my balance should be XXXX. Please help me with this situation.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (AZ)

On XX/XX/XXXX I sent an email asking if my tax preparer if they were still doing taxes so I could get my exes filed for the year since I didnt work. We made an agreement and I never heard from this person since XX/XX/XXXX. However on XX/XX/XXXXXXXX, A net spend checking account was falsely made with my name and information with my knowledge or consent. Along with a checking account, the person responsible also had my tax return, which they also filed under my name without my knowing or consent, deposited {$6400.00} into said account on XX/XX/XXXX. This person then spent all funds in this account with 6 noticeable bank withdrawals ranging from $ XXXX {$320.00}, utility bills such as a power bill priced at {$200.00} and major purchases such as two for {$2000.00} and {$790.00} all within the same month of XXXX XXXX. I have filed a police report, called and issued a report to the FTC and now Im writing this complaint to you in hopes to resolve this situation. I have disputed this with net spend before with little to no help and I have documentation I will be attaching to this complaint.
Consumer complaint received 2016-12-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo opened XXXX accounts in may name since XXXX. XXXX of these accounts were opened in the past 5 years. Wells Fargo ran my credit for a personal loan that was intended to be used as debt consolidation. At the time I had less than {$3000.00} a year in income. Wells Fargo opened a credit card account for me when I had no income and that got closed and in XXXX they opened another saying that it would help me build credit. Again at that time I had little to no income. I had to go into a branch to even find out all of my account numbers/ and the dates that they were opened and closed as these arent available online. I also have paid over {$2500.00} in over draft fees. Wells Fargo refused to allow charges to be denied when funds werent available. There were times where my account would have XXXX or more stacked on overdraft fees because items would be posted in my account online and then disappear only to reappear a few days later and with multiple {$35.00} fees attached.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CA)

I made a payment to the loan service, ACS, but it was not applied to my account and they reported a delinquent payment to the credit agencies. Now my credit is almost below XXXX. I have had issues with this loan servicer for over 4 years. Their website does not work, and so I made a payment over the phone but it looks like the payment not applied correctly.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.