davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MA)

Hello, I received an unsolicited credit card in the mail from cashapp with my information on it but I never signed up for the service. My credit files are all locked but someone opened the account in my name and information. 

I tried calling their customer support to cancel the account but I was hung up on multiple times.
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (TX)

In 2019 I purchased a vehicle from a dealer that I receive financing through West Lake Financial. At some point I called West Lake Financial and they told me that my balance had been paid off and that my title was ready and they needed was an address to send it to and I was like ok, then they hung up on me. Then I call back and they tell me the dealership paid off balance and I start asking them about the title and they hang up on me. So then I guess they put some kind of note in their system because after that whenever I would call them and start asking questions they would hang up on me. So I tried talking with them over e-mail. They say I don't have an account with them, yet the registration of my vehicle has them as a lien holder. They are basically just lying saying whatever violating a bunch of laws. I don't know why the dealership paid off my loan, it's very strange. It's seems to me like someone was trying to do something crooked. I didn't ask them to pay the balance and its not my fault but I need access to the account information I'm rightfully suppose to have, like proof this lien/loan has been paid and the release of lien.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MI)

Barclays sent me a letter dated XX/XX/year> that they accessed both my accounts a higher late fee or returned payment fee. The letter did not provide a time frame or a dollar amount. In the letter they said to call for more information. I tried to go onto my online account but could not log in. When I called and the automated system could not find my account. I called back later and talked to a representative. They said because my account had been closed for 6 months, I could no longer access the online account. I told them my account has been closed for longer than that and that I was just in my account last month. They kept putting me on hold. Then I asked how can I pay my bill if I can't access my online account. They told me to I could call them to make a payment. I told them to remove my paperless status and send me a bill. I have not receive a bill for either account. They keep sending me emails saying I owe but they won't send me a paper bill so that I can verify the credits they say I am entitled to. I'm uncomfortable just calling them and making a payment without written confirmation of what I owe.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I submitted a dispute on account XXXX  XXXX for MISSING DATA between XX/XX/XXXX and XX/XX/XXXX. I asked Experian to remove this account because this credit file is incomplete. In only 4 days on XX/XX/XXXX, Experian " UPDATED '' account. The only update that was made on that account was that now it says In the Reinvestigation Section " This item was updated from our processing of your dispute in XX/XX/XXXX ''. Other than that, everything is exactly the same. I demand a reinvestigation take place, and if the account in question is incomplete, inaccurate or unverifiable in any way that it be removed from my credit report. It is my right as a consumer to a complete and accurate credit file. Experian said that they completed an investigation but according to FCRA 1681 ( a ) ( e ) " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. " They have not provided such evidence to show that there was any investigation other than that of sending and receiving information from the data furnisher which as you know is not considered a complete investigation. 

According to FCRA 15 U.S.Code 1681 everything has to be with certainty 100 percent accurate. 

I look forward to a proper and expedited investigation into this matter. Thank you for your time.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (OK)

The company has sent me a letter by mail for the estate of my father. They sent a copy of the letter to the probate attorney. I have no personal connection to any of his debts, so they need to stop harassing me. 

On XX/XX/22, they called me. I have previously told them to stop calling me, but now they are harassing me. I did not save the date of the last phone call attempt.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a XXXX of XXXX beautiful XXXX, and I have been married to my wife XXXX XXXX for XXXX years. We both work full time. 

I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XXXX which I was supposed to purchase after the lease ended which was going to be around XXXX. 

I had problems with the vehicle immediately. I even got stuck on XXXX XXXX nearly 3 times. XXXX time a XXXX XXXX XXXX had to get me off XXXX XXXX because I nearly got struck by a bus. 

They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. 

XXXX decided to send me {$3000.00} and offer me a XXXX discount on my next vehicle to help offset all these issues. A XXXX discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. 

After I returned the vehicle .... XXXX  decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called XXXX, which is nearly impossible to get a hold of. They told me numerous times that I had until XXXX to pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. 

I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. 

Last month XXXX sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. 

The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. 

XXXX weeks ago XXXX took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. 

Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. 


I have attached all documents to this email chain. 

XXXX. XXXX  contract. 
XXXX. Payments showing on time. 
XXXX. Documents showing lease paid in full. 
XXXX. Documents showing all the service records which show everything. 
XXXX. Documents showing XXXX ruined my credit. 
XXXX. Document showing I had to sign an agreement not to go after XXXX but I was forced to sign this, I had no choice.
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I have sent multiple certified letters to resurgent capital aka lvnv asking for verification of this debt on multiple accounts which they failed to provide lvnv owns this debt not me they purchased the debt from the original creditor and I have no contract with them for the money they claim I owe them..
Consumer complaint received 2023-06-02
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MO)

XX/XX/year> bought furniture from XXXX store XXXX They told us to use synchrony bank. We did. No problems, then we were told, we would be charged {$1.00} for a paper bill. We had our payment deducted from our credit union every month. We told the. We were not happy, the. They sent a paper bill as they had previously. Unbeknown to us they raised our payment by {$1.00} then assessed us a penalty fee of {$40.00} for being late. 
When we finally got through to the XXXX lady who we could not understand and she did not ever understand. She was rude ( that translated very well ). 
They are the worst and take advantage of older poor people!
Consumer complaint received 2024-08-27
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 Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to Privacy and confidentiality under 15 USC 1681.

All ACCOUNTS BE REMOVED All INQUIRES BE REMOVED, this has VIOLATED MY RIGHTS. 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 States A Consumer Reporting Agency CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No Consumer Reporting agency may make any Consumer report cont
aining any of the following items of information, other than adverse item of information, other than records of convictions and crimes which antedates the report by 7 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. 

A person shall not FURNISH information relating to a consumer to any consumer Reporting agency
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had already filed a complaint previously regarding capital one 360 that my closing balance was not sent to me previously after the complain capital one responded that my cheque will be sent back to me. 
But it has been more ghan 60 days no cheque is recieved
Consumer complaint received 2024-07-12
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. (AR)

XXXX XXXX Credit Cards {$2100.00} {$3100.00} Both Cards have been charged off and it is a violation to report charge off accounts. 

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2015-09-25
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We are buyers of a short sale property from Bank of America. We went through the negotiation process 10 weeks ago and agreed to their price. All paperwork, including the XXXX Affadavit have been filed, but still no response from the bank. The seller 's realtor does n't respond to us, yet has $ XXXX of our money! We were given a close date ( on or before ) which is now 3 weeks away. Using that close date we sold our house with a close date 3 days later. If we do n't get an approval letter from Bank of America soon, my family - including a XXXX year old and XXXX year old - are not going to have a home leading into the winter months of Massachusetts. I ca n't call Bank of America because I am not the seller, so I have no idea how to get information on where we stand. My mortgage company wants the signed approval letter or they wo n't approve my mortgage either. How do I get Bank of America to move on the approval letter?!
Consumer complaint received 2023-05-31
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. (ID)

I am filing this complaint with the CFPB ( Consumer Financial Protection Bureau ) regarding fraudulent items appearing on my credit report. Upon recent discovery, I have found multiple items on my credit report that I did not authorize or participate in. I have taken the necessary steps to dispute these fraudulent items with both the credit reporting agencies and the relevant creditors, but unfortunately, I have not received a satisfactory resolution. Despite providing ample documentation and evidence of the fraudulent activity, these items persist on my credit report, continuously harming my credit score. I strongly believe that these fraudulent items are a direct result of identity theft, and I am deeply concerned about the potential consequences for my financial well-being. Therefore, I kindly request the Credit Reporting Agencies to investigate this matter thoroughly and take appropriate action to ensure the removal of these fraudulent items from my credit report, as well as the restoration of my credit score to its previous state. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.
Consumer complaint received 2024-07-11
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. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services ()

The company is Edfinancial. On their website, they said the could update a legal name change my simply uploading a legal document such as a passport that reflects the name change, and the would take care of it. I have done that several times since last year and it still hasn't been fixed.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2015-11-19
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America has changed a {$12.00} maintenance fee for my savings account several times. Each time I have called, I have gotten a different reason as to why my account is charged. Each time, I have followed their instructions to avoid the fee in the future. This time, they were " unable '' to refund my {$12.00}.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV INC. (CA)

On XX/XX/ 2024 there were two charges to my debit card that I did not make. These two charges were {$69.00} and {$29.00}. I immediately called the same day to question these charges. I had never heard of either of the vendors. I was told to call back in seven business days to report this again ( I believe this was misinformation ) upon calling back I was mailed forms to fill out and return, which I did, they also canceled card and mailed a new one. I did not make these charges, I am retired and single, no one has access to my card, it always remained in my possession. The card is a debit XXXX through Money Network XXXX