davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account and hasnt credited my accounts or returned to me 4 negotiable instruments I deposited the instrument were postal money orders deposit on the 6 and 9 2 on each day two were made to the order of the United States TREASURY and two were made out to me the amounts of the instruments were {$200000.00}, {$200000.00} deposited on XXXXand {$900000.00}, {$900000.00} deposited on the XX/XX/2023 I have a medillion stamp guarantee, and affidavit that all accounts are prepaid a power of attorney fsform XXXX one given myself power of attorney and one granting Bank of America poa to convert checks made out to the us treasury on my behalf . I have not been credited those amounts nor have they returned the instrument to me instead they closed my account with outstanding checks still out theres, which is causing me to potentially be charged with fraud. Its is illegal to write checks from closed accounts I write those outstanding checks when my account was open but they closed my account with no warning. Now those checks are going to bounce Bank of America stole my instrument I have them all documented and I took pictures of them and have them in my ledger with serial number date deposited all that they were correctly executed instruments but because I made them bearer boa thinks they can snatch them up with no consequences, I think I should file a police report on them for theft. When I call them I get the run around and going in to the bank is like telling the cashier at XXXX you want to buy a franchise if you get my analogy. I need help I have everything in order for me to sell transfer negotiate instruments/securities but boa XXXX respect the law when it comes to my case they want to say I committed fraud no they committed fraud
Consumer complaint received 2024-10-28
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. (SC)

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am entitled to have these entries removed to protect my credit, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ). 
The accounts in question are as follows : XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} The unauthorized inquiries are as follows : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-28
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. (CA)

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXXXXXX ) : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2018-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (WI)

I filed a complaint earlier this year when the car was still in my possession. The company Santander appeared to comply with my request if I volunteer the surrender the vehicle. I agreed to surrender the vehicle under the conditions I would have a XXXX  balance. Santander hired a local law firm that send deceptive documentation NOT written in laymans terms that stated I surrender the vehicle and after it sells in the auction I will owe the difference. If i signed the form I waived my rights to any future due process. I replied to the letter and asked for the letter to state amounts so that both parties were clear on arrangement and also asked that the letter be signed by Santander and myself like a proper contract should. 

The lawyer did not respond to my request. I received several visits to my house to be served for a court date. I received tons of advertisements from local law firms willing to represent me for my court date. I was never properly served but knew my court date existed. I complied and went to court and agreed that I would have the car ready and available to be repossessed.

The car was repossessed and resold at an auction. I was charged auction fees legal fees as well as the remaining balance of the car. Why am I responsible for their remaining balance Santander has the car and has sold it. Contract? The contract was illegal I was never able to afford the car loan my income was inflated to be approved. Why is it when one loses their home due to foreclosure they lose their home and no longer have to pay on the loan?

How is it that Santander acquires an illegal loan from a fraudulent company that is no longer in business due to fraud and is able to legally launder an illegal loan?

How is it that Santander writes the car off on their taxes as a total lose but then has it show on my credit twice once as a total loss and then reappear as a open account for the remaining balance?

How can Santander write off the car for tax purposes but then re gain possession of the car and make a profit from it?

Why is a blind eye being turned to this illegal activity?

Why is Santander able to target low income, low credit score and red line individuals and neighbors legally?

Why is Santander able to admit fault in court and never change their illegal tactics?

Why is it that Santander can acquire billions of dollars in profit through illegal loans but only pay bare minimum consequences?

Why is the companies being protected and not the people?

I am still waiting on the questions asked in the initial letter to be addressed.

I have been in constatnt contact with the company representatives and have been complaint. I just requested a document that stated the dollar amounts and signed by myself and the company as legal and proper agreements should with non deceptive language that the general public can read and understand. This could have been prevented.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I signed up for the XXXX credit card with the offer of XXXX points and {$0.00} annual fee for the first year. Later, I found out that I was charged the {$95.00} annual fee less than 1 month. I am certain that it was shown {$0.00} intro annual fee for the first year and {$95.00} after the first year with a XXXX bonus on their website when I signed up for it. 

I have contacted Chase through Chase secure message center and called their customer service line, I got the same answer from both sides where they refused to refund the annual fee.
Consumer complaint received 2024-10-28
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)

Experian is reporting a negative account from XXXX XXXX  on my credit report. This account and balance do not belong to me ; it is a case of fraud or identity theft. I have attached XXXXXXXX XXXX XXXX from XXXX XXXX, which confirms this and requests the removal of the account. Please remove this invalid account as soon as possible.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

In XXXX of XXXX I had a legal name and XXXX  change  ( I am XXXX  ). I have been trying to update my name with Experian ever since ( I am submitting this on XX/XX/XXXX ). They keep saying that my information is correct on their end, they even send mail to my listed address under my legal name, yet my account and credit reports don't reflect that. Despite calling several times and having several agents " resolve '' the issue, neither my account information nor my credit report have been updated. Whenever I log into my account it shows my old name, and whenever I check the brief report on the website it shows my old name. To make matters worse, since the first time I tried updating my name with Experian my credit score has been broken, it comes back as " unscorable '' /null. I have had a debit account for over XXXX  years, and a credit account for several years too with consistent and frequent activity. My activity is there, but for some reason Experian either refuses to or can't properly track it, in addition, my SSN has remained the same, there should be no issue tying my financial activities to my identity. The other XXXX credit reporting agencies ( XXXX and XXXX ) have also shown null/unscorable credit scores, but only AFTER I attempted to update my information with Experian. The other XXXX credit reporting agencies ( XXXX and XXXX ) have acknowledged and accepted my name changes, leaving only Experian as the stubborn outlier. It is near impossible to finally speak with a human agent when calling Experian 's customer service/support lines, their robo-system easily sends the caller into endless loops or just flat-out hangs up on them. I have submitted the necessary verifying documents to Experian several times, and when I call customer service, they acknowledge the documents are there and claim to be processing them, however, it never results in change, my name on both my account and credit report remain unchanged whenever I view them. It has been over XXXX years, I need my credit reports and scores fixed, it has already negatively impacted me, resulting in me having to pay a much larger security deposit for an apartment lease than should have been necessary, but because the apartment management had difficulty finding my credit reports, I had to pay.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My credit rating debt usage has been negativity impacted by the erroneous statement issued by XXXX XXXX XXXX causing my usage to reflect at XXXX XXXX. I made my payment in full on XX/XX/year> - confirm # XXXX. However XXXX reported to the credit bureaus that I have a balance of {$280.00}. In addition the posted statement to my account on their website reflects {$280.00} in error as well. I spoke with a representative XXXX to resolve the issue the language barriers at this company makes it impossible to resolve errors they have caused. This in accurate reporting has caused my credit score to drop making me ineligible for approval on the unwriting of my mortgage loan I was set to close on XXXXXXXX XXXX. My family has suffered a huge set back because of XXXX XXXX XXXX.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I am submitting this complaint regarding XXXX XXXX inaccurate reporting of late payments on my credit report, despite my efforts to settle my account in full. 

On XX/XX/year>, my wife made a payment of {$320.00}. I followed up with an additional payment of {$350.00} on XX/XX/year>, to ensure the account was fully paid off. When I called XXXX XXXX, a representative confirmed that my balance was XXXX and assured me that everything was up to date. 

In the months following, I contacted XXXX XXXX an additional 3-4 times to verify my account status and was consistently informed that my balance remained clear. However, two months later, I received an unexpected invoice from XXXX XXXX stating that I owed additional funds, despite my prior payments and their repeated confirmation of a XXXX balance. 

Without any further noticeno calls, emails, or correspondenceXXXX XXXX began reporting negative information on my credit report, which has significantly damaged my credit score. I believe this balance was due to their error, as they failed to disclose any remaining balance at the time of my payments or during my follow-up calls. Had I been informed, I would have immediately resolved it to avoid this impact. 


Thank you for your attention to this matter.
Consumer complaint received 2024-10-28
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)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX XXXX XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-28
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. (FL)

Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-10-28
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. (FL)

Incorrect information related to 15 USC 16c-2 is showing up on my credit report. I did not authorize the listed hard inquiries, and they're damaging my score. Please delete these unauthorized entries. Thank you.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (CA)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

On XX/XX/XXXX I contacted the XXXX  to request an amortization schedule for my student loan. They refused to comply with my request. They claimed due to uncertainty over the plan, they could not provide such a schedule, even though they had the end date of the loan and monthly payment schedule listed. As the borrower I have a right to know any and all information about my loan including a standard amortization schedule which lays out the principle versus interest in the loan. XXXX  servicer, XXXX ( no last name given, as is standard for this shady company ) ID # XXXX claimed it is company policy not to provide such information, and yet could point to no written company policy at all. In fact, in the course of our conversation he discovered what he saw as contradictory information given to me by the last agent on XX/XX/XXXX, who said that if we left the Revised Income Pay-as-you-Earn plan we could in fact get a amortization plan. He said it was impossible to get one. Period. This is unacceptable. This is my information. I deserve to see all of it. I can not be a responsible borrower without having full knowledge of the plan. This is not how Free Markets or Capitalism is supposed to work.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OH)

On XX/XX/XXXX, this debt for { { {$280.00} } } appeared on my credit report. I have no knowledge of this debt. I have been requesting a signed confirmation with my signature that I opened this account over and over. They only replied to billing printouts. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report. 

They have sent me documentation with service under my name in XXXX, XXXX   XXXX and I have never lived in XXXX. but they continue to say that they have verified this information. They have also sent a service worker to my present address in XXXX which I moved into this apartment on XX/XX/XXXX, and he verified that I don't have XXXX when in fact as he found out after checking the wires outside of my apartment that I have XXXX. The service worker then left my apartment with no incident or resolution to what was to happen. 

This account was previously with another collection agency and I asked for validation as I have done with Southwest and they had none so they sold it to Southwest. Which I believe it is against policy and law for collection agencies to sell accounts to other collection agencies.
Consumer complaint received 2024-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (PA)

On or about XX/XX/year> I received this notification from the XXXX XXXX XXXX XXXX. But XXXX XXXX Mortgage and Preservation Bankruptcy Department is being vindictive and refusing to honor this and instead is trying to get me to reapply for their Mortgage Assistance Program in which is useless because this failed program by then is what has me in this Foreclosure situation. And sadly there tends to be an unpleasant atmosphere amongst these customer service representatives of lies, deception and mockery towards minorities. Because obviously they cant expect the fact that this minority has been approved for this {$50000.00} grant from a third party. And if these individuals are supposed to be helping those to whom are in needing according to their political associates then why are they doing this to me? Also it was just brought to my attention than a Refinance Check for XXXX Plus Dollars was forged in my name by Step Father XXXX XXXX to whom is also on the mortgage. And one of the main reasons to why he has no interest in this property is because hes fearful that he may face legal action for forging the bogus name of XXXX XXXX XXXX on the Mortgage Note and the Refinance Check
Consumer complaint received 2022-03-26
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX, WHICH FALLS UNDER TRAFFICKING ACCORDING TO XXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX CAPITAL ONE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX