davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Three months ago in late XXXX which is the time after graduation, I received a call from XXXX saying that they found out there is a phone number under my name that keeps sending fraud messages, in order to keep my personal credit, I need to prove that this is because someone is using my information to register that phone number. So she connected my call to a XXXX police, who is a scammer. And the police initially pretended to help me with the phone number, and he also make another call for the upper office to see if there is any other card under my name. And the upper office says Ive been involved in a secret international money laundry case, where someone stolen my information and there are already victims sending money to my XXXX  XXXX XXXX bank account. So the police asked me to download XXXX and show me his police number and card and he send me some case information. He asked me to report my safety to him every several hours and not allowed to go outside. 
After several days, there is another person who pretend to be the Attorney general, he said he need to arrest me for 90 days to gather information and evidence until approving my innocence. So I was totally panicked, and they send a file XXXX which contains my past driving license and also my past hotel living history and travel history. So I was totally shocked The police said that from his perspective Im a good person and hes willing to use his job as an insurance for me to stay in US until the case being closed. 
But for that, I need to put some money in the XXXX XXXX bank for approving that I will not escape. So I transferred XXXX dollars for the first time, and they asked me to report 2 days before if I want to go outside. 
After several days, they said the victims are so angry why I dont need to go back to XXXX to solve this, so they raised a case upon me, in order to prove to them that I dont have that intention, I will need to further prove XXXX dollars and once the case is over the money will be send back. 
Tracing back this is a huge lie but I was too shocked and dont dare to tell anyone because this is a secret case. And they asked me for the final XXXX dollars for the lawyers fee. I was a little bit scared and dont dare to tell my parents since they provide the first two rounds of money and for the last round I use my salary and some money borrowed. I was so desperate like several weeks ago. 

The scammer 's phone number is : XXXX XXXX I already file a claim to Bank of America about this fraud and my claim number is : XXXX. 

Also the FBI and XXXX local police and XXXX police. 

Please help me I really really need your help really, I feel so hopeless and don't know how to live right now. 

Please help me with my bank please
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BetterNOI, LLC (GA)

I applied for an apartment at XXXX XXXX  in XXXX, GA, and was advised that my app was denied due to Screenin Reports, Inc. 's information claiming I was evicted in XXXX of XXXX. This is not correct. I was not evicted in 2023 from XXXX XXXX XXXX XXXX nor were any legal proceedings brought against me at that time. I just had a court appearance this month in which I am voluntarily moving on the XXXX of XXXX thud no writ of possession has been ordered and any funds I still owe the landlord has been agreed to be paid monthly between the landlord and myself starting in XXXX. The landlord is not renewing my lease because due to unfortunate circumstances my son had to move in with me so he would not be homeless. Since this is a senior citizen development and I knly have a XXXX bedroom apartment the XXXX will not renew my lease whether I owed rent or not ; but I was not evicted in XXXX, and no proceedings were filed in XXXX, thus the information that Screening Reports Inc. is reporting is inaccurate and should be removed immediately so that I can be approved for another apartment asap. Thank you for your assistance.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority (AR)

Ok so a year ago I consolidated all my loans and they were transfered to XXXX. While making the transfer all my servicers were brought over except for Oklahoma student loan authority ( OSLA ). I am getting letters saying my loans didn't transfer from OSLA and I can not apply for a income driven plan due to no activity on the account. I have been renewing my IDR plan every year like I was supposed to so I didn't understand this. Also it shows these loans are at XXXX as well. I am very confused because I wasn't explained that this was going on I thought my loans were with XXXX and I had income driven plan already in place. I really need this IDR plan to stand as I have a family of 4 and can not pay a XXXX payment., I make XXXX gross a month. I pay all my obligations on time just for the basic rent, utilities, food, internet, phone. I make just enough to pay these obligations. Also OSLA has been reporting me to credit bureau since XXXX before the payment pause was lifted. There is something funny going on that has made it where half my loans are set up on IDR and other half can only be set up on a standard repayment plan. I really need OSLA to be looked into on fraud on my account and I should have all my loans set up on IDR plan and adjusted to my income so I don't become homeless paying down my student loans. 
Thanks, XXXX XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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.

has violated my rights. Or list of inquiries 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed XXXX vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York State  does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXXA copy of the XXXX details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Consumer complaint received 2023-09-07
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: LoanCare, LLC (CA)

I have emailed LoanCare LLC back in XX/XX/XXXX a written request Via email to fix a False reporting. 
My loan XXXX was paid off in XX/XX/XXXX This company reported me late on my mortgage payment of XX/XX/XXXX In XXXX of XXXX I have made a written request via email as instructed by the customer service I called at XXXX. I have received acknowledgment via email that they are working on it. 
XX/XX/XXXX, they acknowledged the mistake. 
It is XX/XX/XXXX and this has still not been fixed, this false reporting has had a determinatal effect on getting loans! please help
Consumer complaint received 2023-09-07
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-07
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this matter with the credit reporting agencies and the involved creditors, I have not received a satisfactory resolution. 

I have recently discovered that there are several accounts listed on my credit report that I have no knowledge of and have never opened. These fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I believe that my personal information has been compromised. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the situation. I also request that the fraudulent accounts be removed from my credit report promptly, as they are severely affecting my creditworthiness and financial well-being.
Consumer complaint received 2023-09-07
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

As of XX/XX/2023 Experian, XXXX and XXXX corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-09-22
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: Camelot Financial Services, Inc. (IN)

I have received mails from different financial organizations few weeks back which states that, a loan application was submitted on my behalf from Ray Skillman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX of a XXXX XXXX XXXX. I like to mention that, I have never applied to get a XXXX XXXX XXXX as well as I have never approved my consent for a credit application. I have contacted all those financial organizations to dispute all those inquiries but they have advised me to contact the car dealership and the dealership should retract my application. I have contacted the car dealership and they have told me that they have not charged and/ or contracted me for anything, and when I have told them to dispute the hard inquiries, one of their managers have told me they have no idea how to do that and they have never heard of such inquiry dispute. However, the manager named XXXX XXXX has advised me if any financial organization and/ or credit reporting agency contacts him, then he will verify that I have not consented to the application and he is willing to verify that it was done mistakenly, he can be contacted at XXXX. 

The background of the event is : I saw a used XXXX XXXX XXXX in their website and I inquired about that. When I noticed and also, I was notified that it got sold, I instantly ( on XX/XX/XXXX ) told my handling sales repXXXX XXXX to pause my application as the car I was looking for got sold. Then she asked me if there would be any particular car I was looking to get, I replied saying I was looking for a XXXX XXXX and when she called me in my phone, I also advised here about my preference in terms of year of the car and my budget. Later she told me that her colleague would reach out to me if he found cars of my preference. Next day ( on XX/XX/XXXX ) another sales rep. XXXX reached out to me and advised I had been pre-approved for a XXXX XXXX XXXX and instantly I told XXXX that, the car was out of my preference and I had never asked for a newer car. That was the end of events. Then I started receiving mails from different financial organizations stating a loan application was submitted and either I was approved or I was denied or I was approved with conditions. 

As my credit report shows so many hard inquiries in XXXX moth, it impacts negatively on my financial goals and targets. As a result, I am being impacted on a personal level too. So, I am requesting to you to dispute those credit inquiries from my record. 
I am attaching my email threads with Ray Skillman as a proof as well as the finance manager at Ray Skillman named XXXX XXXX ( email : XXXX ) can verify that I did not consent for an application nor did I consent for hard inquiry. 

The only two financial organizations to which I have consented for a hard inquiry and loan applications are : XXXX  XXXX XXXX XXXX and XXXX XXXX. All others were applied without my consent.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (MD)

Received letter- XXXX allegedly from Wells Fargo Bank denying a credit card that I NEVER APPLIED FOR. ( I have nothing to do with this bank. My city sued them and won. ) Who tried to get this credit card? Am I at risk? 

I called Well Fargo- transferred twice. I called their phone number not the one on the letter. btw the letterhead looked copied not original. Photocopied.

The letter had my name and address. WF wanted a lot of info but I finally refused to give my DOB. 

How do protect myself? 

Thank you for all the great work you are doing.