davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

FIA Card Services has been calling me on my cell phone and at my job for about 3 months. They have called me sometimes about 10 times a day. They have my Bank of America credit cards under XXXX different accounts instead of XXXX. They have called me with a XXXX area code on through away cell phones.
Consumer complaint received 2015-07-28
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

BANK OF AMERICA IS ATTEMPTING TO FALSELY FORECLOSING AS THE OWNER OF A NOTE THAT WAS SOLD TO ANOTHER ENTITY IN XX/XX/XXXX 
BANK OF AMERICA N.A.WAS NOT THE TRUE SECURED CREDITOR TO WHOM ANY ALLEGED DEBT WAS OWED AT THE TIME THE FORECLOSURE NOTICE WAS FILED. : Pursuant to NCGS XXXX XXXX c ) ( XXXX ) only the Secured Creditor can accelerate the maturity of the note. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX as substitute Trustee commenced this action by mailing a Notice of Default to the XXXX 's. Point 1 of this Notice states the following : " The Creditor to whom the debt is owed is Bank of America , NA s/b/m to BAC Home Loans Servicing. '' Concealing the true creditor. XXXX attached -plaintiff letter of default XXXX The representatives for Bank of America submitted an affidavit further concealing the true owner and creditor. ( attached-affidavit of XXXX XXXX and expert report on affidavit of XXXX XXXX XXXX A Response from a Qualified Written Request revealed that XXXX XXXX, not Bank of America , N.A . was the holder of the note on the date that the foreclosure was initiated. ( attached- letter from Bank of America confirming true creditor XXXX XXXX XXXX This finding was also confirmed by XXXX XXXX XXXX XXXX XXXX XXXX confirmation ) XXXX XXXX did not initiate the Foreclosure as required by law and XXXX XXXX XXXX XXXX, XXXX, Substitute Trustee, should have filed the action on behalf of XXXX XXXX as opposed to Bank of America , N.A .
Consumer complaint received 2024-10-04
Product: Credit reporting 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: EQUIFAX, INC. (CA)

Lender tried to pull equifax credit on XX/XX/year>. Mortage lender went to pull final equifax it showed that the report was showing XXXX credit history. Contacted equifax spoke to Custmer service manager stated there was an inconsistency on the social security number but was able to pull the report back in XX/XX/year>.
Consumer complaint received 2024-08-09
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. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-09
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. (MS)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting 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. (NV)

RE : XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 + XXXX ( XXXX ) XXXX I have recently obtained a copy of my credit bureau-XXXX XXXX, Equifax ) credit report. It showed a credit inquiry by the companies listed below that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry 's removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 

I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-10-06
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CU Recovery, Inc. (NH)

Approximately 2 months ago our family members and in-laws began receiving telephone calls from a man identifying himself as XXXX XXXX on their personal and private, never publicly published numbers. This included business telephone numbers of cell phones for inter-company use. The man would ask for a family member by first name as if he were an old friend, he refused to provide his true name and company he worked for. He was extremely rude and hung up on family members who continued to ask for this information. He also threatened to have his telephone number blocked if we continued to call him and ask for this general information because he " did n't have business with us. '' After our own investigation, we discovered this man works for CU Recovery, a debt collector in Minnesota. Our family member also recently received a forwarded letter from CU Recovery stating they were attempting to collect over {$8000.00} worth of debt from an auto loan that is over 15 years old, no longer collectible or owed by all applicable state and federal laws, and the vehicle was repossessed and resold at auction from this family member over 15 years ago.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM ******** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Unfortunately Bank of America does not care about their customers! I contacted customer service today because they sent me the wrong debit card. I ordered the XXXX White Sox affinity debit card, and selected it online when I opened my account. The customer service rep XXXX fixed it to the white sox card and when I asked him to overnight me a new card he said there would be a {$15.00} fee, I asked him to waive it since it was Bank of America 's fault, he refused. I asked him to explain the situation to his supervisor and see if she could waive the fee. He came back and said his supervisor XXXX XXXX denied the request, refused to give me her first name or either of their employee ID numbers. Completely unacceptable! I guess this is how Bank of America treats their customers! Now I have to wait 5-7 days before I can have access to my money, and they wo n't take care of a customer over {$15.00}??? TERRIBLE BANK! I am thinking of switching and going elsewhere, why should I stay with a bank that is n't there for their customers?? I would like to have a {$15.00} credit placed in my checking account since I ca n't access my funds for 5 -7 days I think that 's fair. I have already posted social media as well and will be writing a personal email to the CEO and VP of Bank of America on how terrible their customer service department is. That supervisor XXXX XXXX should immediately be terminated for allowing this type of behavior be be conducted by her associates.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America has an old debt of mine that they charged off. They will not allow me to settle this debt at this point because they wrote it off as a loss but they are continually, on a monthly basis, reporting this debt to the credit bureaus as a " late payment '' every single month. Their lack of regard for consumer credit reporting laws is stopping me from cleaning up the wreckage of my past and even more worrisome is making it impossible to get a home loan.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (NC)

I noticed back in XXXX of 2015 that Experian had charged XXXX XXXX on my card. My wife called them and made sure whatever service they had signed us up for was cancelled. Two months later another XXXX charges of XXXX appear. In an entire two month period nothing was charged, and all of a sudden the charges appear. On the day they came through my card which was XXXX XXXX I called. I was told by XXXX ' that the charges were n't cancelled. He would cancel them now and refund me the XXXX charges. I did n't see the refund today so I called. I was told by 'XXXX ' that the account was n't cancelled. I pulled up a confirmation number. They agreed that it was cancelled as per the email. But they wound't refund us fully. Only for XXXX dollars. I told them to check 'XXXX ' notes, and refer back to the taped audio of the conversation. They said that his notes only state we called to cancel. However, I told them if that was the case then why did they initially say it was n't cancelled UNTIL i gave them a confirmation number? 

I told them that in this discrepancy the audio would prove what 'XXXX ' told me. Manager 'XXXX ' said that it was too hard to get the audio, and that XXXX dollars was all she could do. They have had MANY FTC complaints. I told her I would file a complaint. She said I was free to do that and ended the call.
Consumer complaint received 2024-09-30
Product: Credit reporting 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: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2015-06-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Levy & Associates, LLC (OH)

I do n't owe any bills or any debts I have informed this company of this and to stop communications with me they have ignored my written letter and are attempting to collect a debt I do not owe they just sent me more communications that have nothing to do with me what so ever their letter is claiming identity fraud their letter ignores my previous communications and has nothing to do with me
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Fifth Third Bank has lowered my credit limit creating a large point score loss because the balance to high credit ratio has gone over 80 %. I opened this account earlier this year. At that time the banker told me my credit score was XXXX. Fifth third ran a retrospective analysis ( I will discuss this in a moment ) that showed my new score XXXX points higher. They lowered my limit. I have never missed a payment with them. 
I worked in middle management with XXXX XXXX and XXXX. I hired XXXX XXXX to build a point score for my company BEFORE they built the ones for the Bureaus in XXXX. I know the scoring system. A retrospective analysis allows them to run their portfolio against the data base to see major changes in payment activity and score reductions and change limits accordingly. MY SCORE WENT UP. 
They were the ones giving me a notice that my score is now XXXX on the letter indicating the reduction in limit. This action has lowered my score to the XXXX. In other words, through no missed payments with this company, they have now subjected me to higher interest rates on loans, potential credit line reduction at other companies and continued score drop. 

I will be suing Fifth Third for this theft of my funds and hardship they have put on me even though I have lived up to my agreement with them.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

The business did not have a permissible purpose to pull my XXXX credit report on XXXX.In fact, I do not owe any debts related to this debt collection mill that falls within the Statute of Limitations. 

Identifying information is as follows : MIDLAND CREDIT MGMT IN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CA)

Dear XXXX, I am just writing back to let you know that I have not received a response to my complaint at Ocwen Loan. I have submitted my letter of complaint last XXXX XXXX, 2015. As of today I have not received anything from them aside for letter stating that my case is still open. My case number was XXXX. I apologized that I have to write you again for follow up. I am just very concern about this lack of response coming from Ocwen Loan. My bankruptcy case was discharged last XXXX XXXX, 2015. As of to date, they have not updated their records. I am still on bankruptcy on their records. They have not done anything inspite of my multiple calls to them and letter from my lawyer. The sad part, I can not refinance to a better rate because they are not updating my records and there credit report on me. In short, I am still not moving after 6 years after the bankruptcy. All my records has already been faxed to you through my previous letter. 
Thank you very much for your very kind assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-08-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT)

I received a phone call from the " FBI '' ( hackers must 've changed their caller id because the phone number they called from matched my local FBI office XXXX. They knew my name, had all my information such as address, school, school email, phone number, etc. They stated that a federal complaint had been filed against me, etc. Used a lot of legal terms, basically stated I had failed to pay {$1800.00} for an education tax. Told me that the case was on its way to court, I had an arrest warrant out for me, cops would show up to my door if I failed to comply with their orders. Since I did not have {$1800.00}, they said I could pay whatever I have and do the rest in monthly installments. 

In a state of panic and having been uneducated about how fraud and scammers work, I listened them and drove to my nearby Walmart to wire {$900.00} over to them using Moneygram to somebody named XXXX XXXX in FLORIDA. 

They then had me email a picture of the receipt with reference number, my license, and a picture of myself to XXXXXXXXXXXX. 

By the time I had realized I was being scammed, it had been already too late. I hung up and proceeded to call my family member. They continued calling me back ( I assume to try and get my bank information so I could do monthly installments ). After I blocked the number, they proceeded calling through an " Unknown '' number and left me many voicemails, all of which were just silent noise. 

The caller was male, around 20-30 years old, and had an XXXX accent. He uses a lot of legal-sounding terms and speaks very seriously. He tries to stay on the line with you the whole time and guides you through the whole process. 

I have reported this to my local police office, case number XXXX
Consumer complaint received 2015-10-05
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AZ)

I received a threatening letter in the mail stating that if I do n't pay {$1300.00} by XXXX / XXXX / 2015 they are going to take repossession of my vehicle. After I have made XXXX car payments and they know I 'm out of work from giving birth to my son.
Consumer complaint received 2015-06-07
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: CITIBANK, N.A. (SC)

On XX/XX/2013 I purchased to coolers, from Sears, to be picked up. They told me I had up to a year to get them. When I went to get them several months after, I was told the new manager sent all items back to the warehouse and refunded those cards. I check all my statements from XX/XX/2013 to current and found no refund from those purchases on it. I contacted Sears several times and was told they would investigated then get back with me. I have not heard from Sears store nor Sears customer service. At this point, I want either the refund or the coolers.