davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America hired a firm to sue consumer in Texas and obtained a default judgment. Consumer was unaware of debt or lawsuit until XXXX when the judgment prevented consumer from obtaining mortgage financing. Consumer attempted to resolve the debt but was unable to obtain any information. Consumer hired attorney to assist. In XXXX attorney contacted Texas law firm representing Bank of America and after XXXX months of repeated requests for copies of the summons, complaint, default judgment and any statement for the account, no documentation was provided and Bank of America took back the account. For the next XXXX months attorney attempted to obtain documentation from Bank of America without success. A CFPB complaint was filed, and no response was provided. Bank of America refuses to provide any information about the account to any party and are unable to validate the debt.
Consumer complaint received 2024-09-02
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-07-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I went to XXXX Kia in XXXX XXXX, VA to find a new vehicle. My vehicle, XXXX Kia Forte financed by NFCU with a balance of {$6800.00} was in an accident and the insurance company delayed payoff. I am pregnant and need transportation. The dealership sold me a XXXX Kia Sorento and told me they would pay off my trade-in and that my total cost out the door would be {$22000.00}. I did not understand what was happening. Navy Federal provided me a blank check that I wrote out for {$22000.00}. I thought the dealership was going to pay off my trade-in as they had stated. The Dealership did not pay it off. The dealership documents did not show the negative equity on the paper work. The dealership wrote up XXXX deals. On XXXX they said they were giving me {$1500.00} as a down payment to help me. On the other they did not have the down payment. On XXXX they indicated that there was no negative equity and the balance due at delivery was {$22000.00}. I recorded the conversation at the dealership where they said what the actually did. I was pre approved for the new car loan by NFCU for up to XXXX. The paperwork from NFCU indicated that my max loan amount could not exceed XXXX and that it would be in addition to the existing loan balance of {$6800.00}. The print from NFCU is really little and it did not make since if the dealership was going to pay off the trade-in in full. The dealership indicated that NFCU would not take checks on NFCU to NFCU loan purchase and trade-ins.
Consumer complaint received 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collins Asset Group, LLC (CA)

I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX '' that the account is being reported correctly. spoke to attorney XXXX and was told they have to update and report the account correct.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

Yes I want to file a complaint because equifax every time a credit pulls my credit equifax will not generate a report and I am turned down because of their incorrect database showing me non existing. I spoke with their call center in XXXX not XXXX ga they asked to provide a copy of my drivers license social security card and utility bill which I have mailed them in over 8 months ago still they have not added me to their database at age XXXX
Consumer complaint received 2015-07-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CT)

- XXXX XXXX 2015 due to an XXXX I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the Heatlh Complex form. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the XXXX invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a XXXX invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX Tel XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about XXXX min losing the call at the end with no respond. 
- On XXXX XXXX I received a letter from XXXX reference XXXX and reference XXXX communicating that the above reference accounts are closed within their office. 
- On XXXX XXXX XXXX I received a new collection letter from AMCA collection agency located at XXXX XXXX XXXX, XXXX, XXXX XXXX with the Pin number ( XXXX ) to be provided and phone number ( XXXX ) XXXX. The collection is base on the same case used by the XXXX collection agency that closed their account. It seems XXXX ( XXXX ) XXXX uses multiple agencies to collect money without reviewing their files and answering calls. I dispute all the worng charges processed by XXXX and used by any collection agency.
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (NJ)

I applied for a TD Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by TD Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution.
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SQUARETWO FINANCIAL CORPORATION (NE)

This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 
5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide.
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I noticed a collection account on my credit from Midland Credit Management or Midland Funding. I did n't know what the account was for so I contacted them by way of certified mail 3 times and I never heard back from them until I filed a complaint. 

I am writing to you again because I have not had a account with the original creditor which is XXXX. I am dealing with them directly along with another government agency. 

I am writing you because I need for the harassment to stop. They never contacted me before placing the unknown account of my credit, now that I have filed a complaint against them they are sending me letters. I will take legal action if the harassment continues or if the unknown entry remains or is re-inserted to my credit.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America constantly ads fees before I can correct the issue. I am a XXXX living almost check to check. So when I do get the money to fix the problem I get hit with more fees which makes it worse. This problem is so bad that I closed my account. They refused to redact the fees and I lost {$180.00} in fees right before rent.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

I filed numerous complaints with the CFPB in XXXX about Equifax 's willful, illegal injuries to me, including the denial of credit, less credit, and higher interest rates for credit when it was rarely granted. Please consider the following complaint in light of my previous detailed complaints about Equifax 's habitual, numerous abuses and injuries to me. 

Recently, I received a letter from Equifax dated XXXX XXXX, XXXX. A copy of it is herewith attached. Please note that the envelope for it has a post mark date of XXXX XXXX, XXXX, indicating that Equifax mailed this short letter four days after it claims to have written it. Alternatively, it may have post-dated the letter. 

In the first paragraph of the letter, Equifax announces, " We are writing to notify you about and to confirm a new current address that was posted to your Equifax credit file within the last 30 days. '' In fact, the so-called " new '' address is XXXX I have lived at for nearly 13 years. It is the same address that appeared in numerous letters I sent to in and which can be found in many of my XXXX, aforementioned, CFPB complaints about Equifax. Furthermore, Equifax goes on to announce that another address, " was ... reporting as your current address ''. 

I am baffled by Equifax 's statements. Are they suppose to constitute some kind of unacknowledged confession from Equifax , indicating that somehow it managed to ignore my address for well over a decade and despite the fact that I received a few credit reports from Equifax going back several years, but even as recently as XXXX, that had my correct address on them ( along with numerous false ones )? Indeed, Equifax 's real purpose in this strange letter is as opaque as the source of the second address that it claims to have been reporting another " current '' address. 

Why is Equifax allowed to hide the source of inaccurate information from me and why is it allowed to continue to use such grossly inaccurate sources of information to begin with? Why is Equifax allowed to so egregiously impose on my time by forcing me to provide janitorial services for its endless streams of sewage? Why is Equifax permitted such a grossly unfair and abusive modus operandi that assumes that I am guilty of so much falsehood until I prove my innocence, again and again, against its intransigent resistance? Who appointed it as such an incompetent and morally bereft arbiter of so vaulted a standard? Why am I not allowed to defend myself from the secretive, thoroughly corrupt collusion of Equifax and its nefarious, hidden sources of information?
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (MO)

XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.
Consumer complaint received 2015-07-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Federal Pacific Credit Company, LLC (FL)

I was applying for credit and was denied I received my free credit report and found that I had a collection from federal pacific for XXXX dollars original creditor lists XXXX. I have never had a car loan from this company. Also I disputed this same claim on XXXX and it has been deleted I was unaware you had to a claim to each agency. Your help on this mater would be greatly appreciated as my family is looking to purchase a home ... .I have filed a dispute with XXXX the number is XXXX
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (SC)

I bought what I thought was my FICO score from Experian in XXXX 2015. I paid {$4.00}. As it turns out I was enrolled in a credit monitoring program without my knowledge. I called and cancelled the program on XXXX XXXX, 2015 at XXXX XXXX EDT speaking with XXXX and her supervisor XXXX. They agreed to refund XXXX months premium of {$19.00} back to me but refused to refund the XXXX months premium. I feel I was slammed with this as I had no idea I was signing up for this service and only thought I was was buying my FICO score. I feel they are using deceptive practices to sell this monitoring program. They then make it as difficult as possible to elevate the problem to a higher level. I request that you investigate Experian 's business practices with regard to this and I would like my full refund of the additional {$19.00}.
Consumer complaint received 2015-04-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (WA)

I bank with Key Bank, and have for many years, having XXXX accounts with them. In XXXX, 2014, I began to pay the wrong amount on my line of credit -- {$1200.00} vs. the correct amount of {$1300.00}. This went on through XXXX -- XXXX months. My error. However, Key did not notify me of this uncharacteristic behavior, instead issuing me late fees, while not notifying me of that, either. I made timely, if erroneous, payments -- only XXXX, actually, in an XXXX month period, while never being called by Key. XXXX the late fees and the accrual of the amount owed ( {$400.00} total ) led Key to submit this to credit reporting, again with no notification to me of their action. When I began the process of refinancing my mortgage, the error was " discovered '' by my financial consultant, who had pulled credit. When I went to talk with Key, seeing if there could be some resolve to this, they rejected any form of leniency, denying responsibility.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

Checking my XXXX Credit Report they list my Chase Mortgage as " Delinquent ''. 
This Mortgage was transferred to XXXX XXXX XXXX XXXX, XXXX. 
This Mortgage was " PAID IN FULL '' on XXXX XXXX, XXXX ; see attached Letter from XXXX XXXX or contact them directly for independent verification.
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NY)

I had an American Express Gold Rewards Plus Card.  I called Customer Service.  The representative said that I couldn't change, but that I could apply for a new credit card and cancel the Gold card.  I wanted a Green Card but the representative steered me towards a Blue Cash Every Day card even though I said I would be using the card as a XXXX or backup/emergency card.  He submitted for approval and it was denied.  This all took XXXX minutes.
I called a XXXX time immediately after to cancel the Gold Card.  The XXXX representative asked why and I explained that I wanted to downgrade to a Green Card but that option was not available to me.  She said it was and made the change.
I wanted an American Express card, but I didn't want to apply for a new credit because my credit isn't that good and I know applying for credit and getting denied further damages my creditworthiness.  I should have been able to downgrade from the Gold Card to the Green card with the XXXX representative instead of applying for a new card and getting denied.
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had XXXX accounts with Bank of America. XXXX account # XXXX this account had apparently been over drawn due to checks that were written to me by my Ex-husband and then deposited and returned. The amount was in excess of {$2300.00}. However, I did pay Bank of America back and then they updated my information in XXXX as " PAID IN FULL '' but I still can not get a checking account anywhere with any bank because they flagged it as being fraud. ( or attempting to transact account in an unauthorized prohibited manner. This is not the case and this should be removed from XXXX.
Consumer complaint received 2024-08-18
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. (VA)

I contacted the credit bureaus about these inquiries that are on my credit report that I have no knowledge of applying for. I asked the credit bureaus to remove the inquiries from my credit report due the fact that I did not authorize these companies to run my credit which makes them fraudulent. 

XXXX. XXXX : Inquiry Date : XXXX XXXX ( I never applied or authorized the inquiry ) Sent written correspondence to remove from report. No answer from XXXX or Experian to date. 

XXXX. XXXX Inquiry Date : XXXX XXXX ( I never applied or authorized the inquiry ) Sent written correspondence to remove from report. No answer from XXXX or Experian to date. 

Thank you in advance for your assistance, XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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. (TX)

These accounts are in Direct Violation of the Fair Credit Reporting ( XXXXXX/XX/XXXX XXXX ), Under 15 U.S.C 1681 Section 602 ( A ) has violated several of my rights. It also states a consumer reporting agency can not furnish my account without my written instructions. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts as per 15 U.S.C 1681. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation. Remove these accounts immediately as they are in violation of several laws under The Fair Credit Reporting Act.
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: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-02
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. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.