davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (OH)

Equifax has not did a proper investigation of this company XXXX XXXX XXXX in giving the consumer actual real documents from this company and I contacted the company and XXXX stated she didn't have or could PRODUCE DOCUMENTS, of my ownership and payment history, or first date of delinquency from the original document from the original creditors, this account is incomplete information of payments on my report there is no information on my report from Equifax period please delete immediately, this is reporting incomplete and inaccurate information that hasn't been produced to the consumer according to compliance rules of FCRA OF COMPLETE AND FAIR CREDIT REPORTING
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I understand that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

U.S. Bank, XXXX XXXX is the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has closed an alleged, account in a prior complaint through this CFPB platform for false representation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has refused to answer any affidavits that have refuted debts. Account number XXXX was the account in question and was closed by XXXX as the adminstrator of the account. Notice was sent to the credit bureau 's. US Bank XXXX, needs to confrim that the company that they are acting as trustees XXXX XXXXs reporting information correctly. I appears that XXXX is acting as an agency of XXXX XXXX XXXX in a vendor capacity. Mail being sent from XXXX XXXX XXXX, XXXX, XXXX XXXX is sent from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. All the correspondance is under the guise that it is an action of XXXX of New York requesting payment on debts when it is actually XXXX send recieving and conducting business under contract. When this matter was directed to the entire XXXX of Directors for XXXX via email communication, non response was the response. This simply is mail fraud. I have refused mail from the sender and have also sent letters to a lawyer that claimed PoA over my estate without my knowledge or consent. This means that XXXX as a vendor is acting in private equity for the XXXX of XXXX XXXX to engage programs to require the XXXX to enter a treaty. Filed below is a list of XXXX filings that show the check kiting scheme. XXXXXXXX XXXX XXXX XXXX appears finding transmitting utility as a XXXX foreign trust.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I mailed a certified letter to Experian, with all necessary documentation ( copies of driver license, social security card, bank statement ), that was received on XX/XX/XXXX to dispute incorrect name and address information appearing in my Experian credit report. After submitting this dispute, my Experian credit score dropped XXXX points ( XXXX to XXXX ) on XX/XX/XXXX for no apparent reason, while my credit score actually went up with the other CRAs. 
Additionally, Experian mis-spelled the correct address once it supposedly concluded the dispute on XX/XX/XXXX, causing a problem with my bank accounts and additional, inaccurate, names continue to be reported. I called and spoke to an Experian agent ( XXXX on XX/XX/XXXX ) to try and correct this error. She confirmed the information I provided and said she would initiate the correction. Again, I received another notification that the address information was updated on XX/XX/XXXX, only to find that once again, the prior, incorrect address is now being displayed on my Experian credit report along with incorrect, additional names. 
As you know, it is required for all CRA to report only accurate, valid and correct information on a consumer credit report. 
I also find that they are intentionally lowering my credit score for no apparent reason. 
Experian needs to display my correct name and address and cease from manipulating my credit score in order to damage my credit worthiness. 
I will provide documentation to support this complaint.
Consumer complaint received 2024-05-30
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. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-28
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. (ID)

I have an existing complaint involving XXXXXXXX XXXX already filed with XXXX. 
I have been disputing XXXX XXXX XXXXXXXX onto my Experian Credit Report since XXXX. I was a fraud victim of unauthorized charges on my XXXXXXXX XXXX Credit Card. I have submitted all the proof to Experian, a copy of the police report, ID, my XXXX data breech claim number and dispute results from XXXX and XXXX ( Both XXXX and XXXX have removed XXXX XXXX entry on my credit report ). Every time I dispute the entry with Experian, they tell me it is denied because XXXXXXXX XXXX says it is my debt. I recently disputed the entry again with Experian and the most recent one said that XXXXXXXX XXXX  XXXX not know the charges are XXXX. XXXX XXXX does know as I have been in conflict with them since XXXX due to their refusal to acknowledge I was a Fraud Victim and that the charges were incurred by Fraud. The other XXXX credit reporting companies have both agreed and removed XXXX XXXX  XXXX because of XXXX. But Experian keeps listening to XXXXXXXX XXXX instead of looking at the evidence I have sent them. I do not know why Experian refuses to remove the entry but it is not right. I want the entry removed because I was a legit victim, I have sent them evidence of it but they keep checking with XXXXXXXX XXXX instead of looking at the evidence I have sent them. Why is it the XXXX other credit reporting companies have removed it but Experian does not? This is unfair and that is why I am reporting the info to CFPB. Experian and XXXXXXXX XXXX must have a relationship because the XXXX seem to come up with the decisions every time I have asked for an appropriate investigation. 
Also, I have attached Experians report from my dispute filed XXXX. It states the credit grantor requests that I contact them directly as they XXXX not know how to contact me to discuss this matter. I have discussed this matter with XXXXXXXX XXXX since XXXX. I will attach photos of XXXX XXXX last letter they sent me in XX/XX/XXXX regarding my XXXX XXXX.
Consumer complaint received 2024-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

Navient is my private student loan servicer. I attended XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XXXX and my school was found guilty by the federal government of misconduct. The federal government discharged my federal loans due to my school 's misconduct. I applied to discharge my private loans using Navient 's School Misconduct Discharge application.

My request was denied citing no specific details except the following reply. " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' If my school was found guilty by the federal government of school misconduct why do I have to jump through hoops to get my private student loans discharged? I made sure to provide as much information in my application as possible and the level of detail they are requesting is intrusive and unnecessary to receive discharge. ( Bank records, credit reports, resumes, income history ) I also cited the Holder Rule stating Navient knowingly took on this bad debt from XXXX XXXX and is continuing to collect on this debt even though they know the practices of this school were fraudulent. 

I will be filing an appeal but I've seen many people experience blanket denial letters in community groups with no explanation of their reason for denial.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (OH)

I received the following email to activate my wallet in which I have not applied for any funds or wall of any sort : Trust Wallet XXXX XXXX ( 2 hours ago ) to trust.wallet Dear customer, Our system has shown that you wallet has not yet been verified. 
accounts unverified will be suspended on XX/XX/year>. 
Please make sure to verify your wallet as soon as possible. 

Click the following link to verify and activate your wallet using this link. 


We are sorry for any inconvenience we cause doing this, but please keep in mind that our intention is to keep our customers safe and happy. 


Thank you for your understanding. 




verify and activate I sent a response to be removed from their list, and have since been spammed with many emails.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (VA)

In response to subject Summons delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on American Express Credit Card Account ending in XXXX was paid XX/XX/XXXX XXXX as required. American Express payment reference number XXXX. For payment reconciliation purposes see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has an additional account with American Express ending in XXXX that had a balance of {$540.00} when American Express called regarding its payment request on XX/XX/XXXX. XXXX made a payment to American Express on the same date XX/XX/XXXX of {$11000.00} to pay the balance on both cards. 
I have attached the American Express XXXX  Year End Statement entitled Activity for your review; the Tab entitled Transaction summary shows account ending in XXXX has an {$11000.00} over payment at years end XXXX XXXX. American Express called XXXX XX/XX/XXXX for a payment on card ending in XXXX and then applied the payment to account ending in XXXX. XXXX also submitted payments to American Express from its XXXX XXXX XXXX XXXX showing payment cleared American Express. XXXX fulfilled its obligation to American Express over XXXX XXXX XXXX and would like this case to end as soon as possible. Can someone please respond upon receipt?
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (AL)

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-11-17
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. (OH)

I decided to contact the furnisher and the credit reporting agency in regard to my credit report. After I received no resolution, I filed a CFPB complaint # XXXX and after no resolution I filed complaint # XXXX. The credit reporting agency is being monetarily compensated and thus refuses to provide me with validation of the debt of the US DEPT OF EDUXXXX account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and the process used in such validation.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Acct # XXXX. Violated my rights.

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

15 U.S.C 1681 section 604A. Also States a consumer reporting agency can not furnish my account without my written instructions.

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 2024-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My reason for contacting the CFPB is due to Bank of Americas unfair and deceptive practices. On XX/XX/XXXX XXXX mobile deposited a refund check from my college tuition fees for {$5000.00} since I decided not to continue attending there during the first week. It showed as of XX/XX/XXXX my funds would be released from the hold that was in place. XX/XX/XXXX I called and spoke to a BOA representative due to my online access all of a sudden being restricted. I was told my account was locked because they deem it was at risk of fraud. They informed me my account would be closed as of XX/XX/XXXX. That I would be receiving the remaining balance in my account in a cashiers check, theyd be mailing to my address on file. My balance at that time was {$4800.00}, after they took out what I was over-drafted which was {$100.00}. I then received an account closure notice once again stating the remaining balance would be mailed to me. About a week later I received another notice stating that the funds were being frozen under there deposit account agreement and to call their client protection team. On that phone call I was told that the funds are being held at harmless by the back office team and that unless the merchant is to file a claim for the funds back and reissued the check to me, they would not be releasing any rightfully owed funds to me. Today XX/XX/XXXX I received a statement in the mail showing a transaction on XX/XX/XXXX for the exact amount of {$4800.00} with a description that says Account Closing Transaction. Yet Im still to receive anything else from BOA. I feel as if BOA is retaliating against me for filing previous Complaints against there Subsidiary Merrill Lynch which has continued to use unfair and deceptive practices against me for over 5 months.
Consumer complaint received 2024-08-03
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 looked at my credit report from all XXXX credit bureaus and there were several inaccuracies. These inaccurate remarks are placing a very negative hold over my life and I just want my life back. I disputed with all XXXX and nothing was done.
Consumer complaint received 2024-07-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC (PA)

On XX/XX/XXXX I applied for a mortgage loan with XXXX XXXX XXXX the lender was told my circumstances on XX/XX/XXXX2024 I have the text message proof that he was well aware an the documents were submitted I told him per first phone call I would like to use my retired grandfather as a co-signer because my employment is transitional and I receive survivors benefits he told me oh no XXXX you qualify with your own income its no need to use your grandfather income to qualify we went further into the loan process in which he stated I qualified for XXXX I found a home for XXXX in which I am still under contract but had XXXX settlement dates held up due to last minute discrimination and bias practices towards my minors age XXXX clearly states that per school year is paid to children in school and can last even after XXXX if the child is still enrolled in school an that mortgage lenders are suppose to go by this scenario in order to meet fair housing and credit opportunities to individuals such as myself! However I have been interrogated after I was told all my information was received and that I had to submit nothing else this company breached that email and started asking for grades my minor was currently in for me to submit her report card if I would still be her payee etcetera. This has caused me so much discouragement because of the barriers and illegal discriminatory practices lenders in banks will go through towards individuals who they believe can not pay the loan based off bias factual information! I am appalled at how I was given a disclosure that was submitted XXXX day before my closing date and did not match up to my loan estimate this occurred on XX/XX/XXXX24 my closing was delayed last min due to my daughters age I reached out to all team members and no one responded the loan processor finally responded and continued to say XXXX XXXX/XXXX/24! This has caused my family such distress as a single mom trying to attain homeownership this bank went to the highest extent of bias tactics to make it impossible for me to ever own a home! My child has XXXX  years of school left in which her first out of XXXX years have not even started yet per ssa website says lenders should use at least XXXX  years as if the benefit will last but due to age I was a target of bias misconduct and my loan that is under contract will end on XX/XX/XXXX24 my lock rate will also expire this is very sad that everyone who claimed they were apart of the loan team actually were not even available to be honest about my loan instead I was hanging on to lost hope because their biases towards me showed that my loan will soon be terminated due to my childs age which violates the equal opportunity rights and also the fair housing rights during lending process!
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC (SC)

I received a notice about an alleged " debt '' I owed to XXXX XXXX in XXXX  XXXX. The statement did not include the provider, itemized services and charges, or the specific date or dates of service for this. I requested all of this in writing several weeks ago, via email to XXXX. No response from them whatsoever.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit report from Transunion said that my XXXX XXXX  credit card was closed. I disputed this, as it is an open, active account. Their response was to delete the card entirely. My credit score dropped significantly because of this. I've contacted them numerous times to fix this, but after several months, it's still not taken care of. My latest attempt, the case was escalated, and I was told it would be resolved in XXXX business days. That was over XXXX weeks ago, still nothing.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I have been trying to access my myEquifax account since the Social Security number breach in order to place a Freeze. I was able to do this XXXX and XXXX fairly easily the latter offering a call back option when login problems arouse. Equifax on the other hand has been nearly impossible to deal with. After Days and Hours on hold with terrible music I still have no resolution, I've gotten to a person twice, other times just abruptly disconnected after following lengthy menus. The last call was yesterday with XXXX she promised all was well. It is not I still recieve an error message that my login is invalid and to please call. I'm at my wits end Please Help or at least ask them to update their phone system. See Attachments :
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services (TX)

In the Retail Installment Contract, there were several areas the were designated N/A. The first N/A was in the upper right box asking if the vehicle was for personal, business..etc. This question was answered for me. But there is a clause at the bottom of page one that states that if the vehicle is for personal use that finance charge would not apply to the purchase, yet the box was answered for me, no full disclosure. This makes every question/statement declaration on said contract false information. If info was truthfully applied correctly the correct amount of the contract would be drastically different in the amount of {$32000.00}, the finance charge. The next issue is the FEDERAL TRUTH-IN-LENDING DISCLOSURES BOX5. " The total cost of your purchase on CREDIT, including your down payment ''. This box indicates that the credit paid for the vehicle on the date the contract was signed XX/XX/year>. This is also a problem based off of the finance charge that should have not been applied because the vehicle is for personal use. I reached out to Mercedes Benz Financial Services multiple time on recorded conversation trying to remedy the situation per the contract thru arbitration, they claimed they were unaware left me on hold multiple times only to have my vehicle repoed. They repoed the car with no court order, no lien or title so technically they're holding my car ( that's paid for thru the credit received at the signature per first paragraph on page 1 ) for ransom. My credit has suffered because of false claims of late payments on a false loan based of misleading information, no equal consideration for both parties in the contract, which basically is trying to make me pay twice with cash installments thru 72 months and my credit via my signature paragraph 1, page 1.