davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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. (NH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : 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 Inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-01-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (IA)

I was contacted on Monday, XX/XX/XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XX/XX/XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from Check-n-Go payday loan. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on XX/XX/XXXX. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.
Consumer complaint received 2016-01-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC (NC)

I took out a XXXX loan in XXXX 2015, they were not clear in the terms, though I questioned them, and was provided false answers since then they have been garnishing my account every two weeks for at least XXXX some weeks XXXX, I have called multiple times, and tried to pay them in full, but have been unable to, I 'm being told that 's not how it works, I have paid over XXXX for this loan so far, I just want to be able to pay it off and be done. Please help.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority (WA)

My mortgage contract specifies that the mortgage company ( ServiSolutions, in this case ) is responsible for paying my property taxes ; however the taxes were not paid, and are now 2.5 months in arrears. I can accept that mistakes happen, and that it may take time to fix said mistake ( s ), but 2.5 months is not an acceptable amount of time for this issue to still be unresolved. As near as I can tell, with the information I have access to, ServiSolutions attempted to pay the taxes ( I assume by issuing a check ), but some error was made and the funds were returned to ServiSolutions and credited back to my escrow account. I discovered that the taxes had not been paid when I got my form XXXX and saw in box XXXX " Property Tax {$0.00}. '' I have received no communications from ServiSolutions about the taxes, and they still show as owing at the county Treasurer, meaning that if they did anything to discover the error, they either have not fixed it or have not discovered its origin. The easiest thing would have been for them to contact me - since I got the statement from the County Treasurer - and ask me to help them update their system, but they did not ; likewise they could have Googled it ( if it was an address/addressee problem ), and either of those solutions would have resolved the problem in a matter of minutes, not months. This is my first mortgage, and I trusted that ServiSolutions had enough experience and people that when something like this happened it would be quickly corrected, instead, it is up to me to do their job.
Consumer complaint received 2024-10-01
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. (TN)

I received a copy of my credit report and found the following item listed below to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Consumer complaint received 2024-08-16
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Both my personal and business debit cards were used on XXXX without my authorization and charged several hundreds of dollars. I did a claim with bank of America and got refunded. Now the are deducting my account again. I tried to contact XXXX and never got to talk to a person, only recordings. XXXX even restricted my account and can't login to see the issues. It's impossible to contact them for a solution.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: WELLS FARGO & COMPANY (NV)

I received a phone call today as well, as my husband, and mother-in-law from a woman named XXXX from XXXX and associates saying they were a law firm sending legal documents to my residence and/or work place so that I could be " served. '' They said this was a civil lawsuit for a credit card from Well 's Fargo bank I opened and defaulted on in 2004. This credit card had been closed and the debt has been closed and written off as a bad debt, no longer on my credit report. They then explained that If I refuse the lawsuit, criminal action will be taken against me and I will be arrested for fraud against a financial institution. Since this debt has been closed and is 11 years old, I am way beyond my statute of limitations for collection. Not only is it illegal for them to try and collect on my debt, it is also illegal for them to try and sue me, threaten criminal action, call my family members, threaten to come to my home and work, and for them to pose as an attorney 's office. I googled this company and their phone number and it is not a known company of anykind, let alone a lawfirm.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I disputed several unauthorized inquiries being reported on my Equifax credit report on XXXX XXXX 2015. The response received from Equifax on the very same day XXXX, XXXX 2015 was " Inquiries are a factual record of file access ''. No investigation with the source was even attempted regarding the unauthorized inquires. 

Equifax must reinvestigate ANY dispute under XXXX ( a ) ( XXXX ) ( A ) : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXXi ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I am filing a complaint against Ocwen Loan Servicing/XXXX Bank for utilizing BWW law group Attorneys At Law to use intimidation to force me to contact them while I was reporting their misconduct to OCC and Consumer Financial Protection Bureau. I recieved correspondence from this firm which had my complete history of my promissary note and deed of trust. In the correspondence that I signed for through the United States Post office XXXX VA. The letter stated, " This is not a demand for payment and this firm has not been retained for a lawsuit against you. '' This type of intimidation and bullying is a part of the abuse I have recieved from OCWEN Loan Servicing/Deutsche bank. XXXX XXXX XXXX XXXX requires financial institutions - companies that offer consumers financial products or services like loans, financial or investment advice, or insurance - to explain their information-sharing practices to their customers and to safeguard sensitive data. I never gave XXXX and XXXX attorneys or XXXX to have authorization to me or my ex husbands information. Will attached documents. My original note and deed said that the loan had to be kept as a VA loan.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Trident Asset Management, L.L.C. (OH)

This company is making fault reports to all XXXX credit reporting agencies saying this a retail debt which is not true it is a bad check at XXXX. Not contacted by this company to resolve this issue i called them and asked why they were saying this was a retail debt and put negative information on my credit reports. I asked them to remove it and make arrangements to pay nsf checks rep did not want to hear it.i have had bad checks in the past and resolved them and never had XXXX placed on my credit.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

In XXXX, 2015 I called Citibank 's customer number to dispute XXXX charges ( for a cancelled order ) on a rarely used credit card. Everything seemed fine at the time. But that agent must have 'flagged ' something on my account incorrectly, because they since have decided I 'm deceased! In the last XXXX weeks I 've literally spent phone-hours with various agents, who finally told me when I asked them to close my account, that it already was closed because I 'm deceased. A XXXX later, we received a letter addressed to my Estate from XXXX XXXX, Citibank XXXX XXXX. So I Priority-Mailed him/her colored photos of my Social Security card and current CA Driver 's License along with a photo of me holding that day 's XXXX XXXX XXXX. I BEGGED them NOT to report the untruth to any of the credit report agencies. If they do, this would snowball into more of a nightmare than it already is. Can you please help me with this? Thank you!
Consumer complaint received 2016-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau Collection Services, Inc. (FL)

I filed a complaint against XXXX disputing this bill with what I was told at the time was the correct agency to do so. I do not owe this debt to XXXX, so I should not be receiving notification from any third parties requesting payment for same ...
Consumer complaint received 2015-07-09
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (WA)

They call me at work pretty much every single day. When I am not there, they harass my boss asking her to tell them my working hours. She has told them she cant give them my work schedule, yet they persist and ask for it. They are very harassing. When I am at work, I am very very busy as is my boss. These repeated calls are harassing and interrupt my work as well as my co workers. I am getting in trouble because I get calls at work almost every day. I feel I may be close to getting fired for recieving constant calls at work. I have told them not to call me at work, but they continue.
Consumer complaint received 2024-08-15
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc. (NC)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX and Lockhart & Morrison, as well as the three major credit reporting agencies : XXXX, XXXX, and XXXX. 

Background Information I have no contractual agreements with either XXXX XXXX XXXX or Lockhart & Morrison ; however, I have received multiple calls and letters from both companies attempting to collect alleged debts. Additionally, both companies have reported these accounts to the credit reporting agencies, which has negatively impacted my credit score. 

Violations of the Fair Credit Reporting Act ( FCRA ) The actions of XXXX XXXX XXXX and Lockhart & Morrison, along with the failure of XXXX, XXXX, and XXXX to adequately investigate and correct these inaccuracies, constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs consumer reporting. This statute provides consumers with protections against inaccuracies and unauthorized reporting on their credit reports. 

Request for Action I am requesting the following actions be taken : 1. Investigation and Removal : I ask that the CFPB investigate the practices of XXXX XXXX XXXX and Lockhart & Morrison regarding the collection of debts for which I have no contractual obligation. I request the immediate removal of these accounts from my credit reports with XXXX, XXXX, and XXXX. 
2. Removal of Inaccurate Information : I urge the credit reporting agencies to correct their records and remove any negative reporting associated with these accounts, as they are based on false claims. 
3. Enforcement of My Rights : I seek enforcement of my rights under the FCRA, ensuring that these companies cease their unlawful collection practices and that the credit reporting agencies comply with their obligation to report accurate information. 



Conclusion I appreciate your attention to this serious matter and look forward to your prompt response. Please inform me of any updates regarding the investigation and actions taken in response to my complaint. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-01-18
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (FL)

These cards are still the latest crusade for financial institutions to steal as much as they can from consumers ... They do it in the name of fees but the reality is they are taking money that does n't belong to them and without our express consent and with terms and conditions in the smallest print possible ... They offer companies these cards at a discount knowing a great number wo n't be used and they can keep the money ... I would like the cards 'refreshed ' and if really care to add a little convenience, perhaps put the balances on XXXX card. The account numbers are : XXXX {$70.00}, not worth {$52.00}. XXXX {$50.00}, now worth {$40.00}. XXXX {$80.00}, now XXXX, XXXX {$40.00}, now {$8.00}, XXXX, {$20.00}, now XXXX.