davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America states this account was closed on XX/XX/XXXX. It's state 's last payment was XX/XX/XXXX. There were no payments made since XXXX. This should already be off my credit report due to the XXXX retention. This is a charge off. By stating a payment was made pushes my XXXX retention back to XXXX. This information is wrong and should be deleted from my credit report. I have the same problem with XXXX XXXX XXXX these XXXX account had no payments during the same period due to financial hardship. But both state 's they got on time payments in XXXX thru XXXX which is inaccurate both should already be off my credit report. It's keeping me from obtaining credit.
Consumer complaint received 2023-10-27
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. (AZ)

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. 


XXXX Account XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please Remove and block these fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. 
I am requesting that these fraudulent accounts be DELETED and blocked from my Credit File Under federal law.
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've submitted several requests for investigation on inaccurate accounts on XX/XX/year> and XX/XX/year>, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/year> and XX/XX/year> to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage with my wife.
Consumer complaint received 2024-07-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing whose address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX whose phone number is XXXX, are illegaly and unlawfully trying to collect from me on a mortgage account # XXXX on behalf of XXXX XXXX XXXX XXXX  who is acting as a trustee for XXXXXXXX XXXX XXXX XXXX XXXX. 

These two disreputable financial institutions do not own the mortgage secured by my property and for many years is using Shellpoint Mortgage Servicing to unlawfully and illegally collect from me, by sending multiple threatening letters and initiating multiple illegal, fabricated lawsuits, therefore orchestrating an offshore-like criminal enterprise... 

Here I'm XXXX XXXX, a subject property owner desperately asking your office for your help concerning all the matters mentioned above. Thank you.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : DEPT OF EDUCATION/NELN XXXX XXXX
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (OK)

Shellpoint mortgage servicing received a transfer of my loan on XX/XX/XXXX ( my mortgage due date ). Their portal was inaccessible from XXXX XXXX and when I logged into pay my mortgage on XX/XX/XXXX as I was told to do by a customer service representative, someone else 's personal and mortgage information was in my account. I logged in with MY username and password and it pulled up someone else 's mortgage, statement, loan number, phone number, address etc. I called customer service to report the issue and gain access to MY loan and the customer service agent did identify this as a problem and remedied the situation. He assured me that my data was not compromised as this other customer 's data had been but I find that hard to believe. I doubt that they have notified the other individual that her information was accessed by me. The purpose of my complaint is to notify customers that their data could have been accessed by others and to have this practice investigated appropriately.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

This my refilling of my complaint to WELLS FARGO BANK CAR for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-07-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

I applied for a loan with Big Picture Loans on XX/XX/year> for {$500.00}. I also obtained loans XX/XX/XXXX and XX/XX/XXXX. I later did some research and found the company is not licensed in Georgia, and the amount of interest they charge is in violation of the Georgia usury laws. They charged me XXXX  % annual percentage rate. The company is also not licensed with the state of Georgia to offer payday loans or installment loans. I have not taken any actions to inform the company of the violations because they said in the contract, " Unless expressly stated elsewhere in this loan agreement, no state law ( s ) shall apply to the loan agreement or the Lender ''. I was unsure if I could bring a complaint to them that is based on Georgia laws. I have also obtained two other loans from the company this year. I do not have the loan agreements for the other two loans. I looked on the website and they are not there anymore. I do have emails indicating I applied and received the loan.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE FRAUDULENTLY OPENED THE FOLLOWING INQUIRIES IN MY NAME IN ORDER TO OBTAIN CREDIT FOR A CAR LOAN : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

By law and under consumer rights this debt was to be reported for XXXX. This debt that was to be removed 6 months and is currently still being reported on my credit report hindering me from moving forward in my life. The account says closed/charged off however still reporting late payments and so forth.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

This complaint seems to be about issues described in an earlier complaint. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Communication tactics This complaint appears to be about issues described in complaint XXXX. Companies are generally not required to provide a new response to issues described in an earlier complaint. If you are not satisfied with the companys response to complaint XXXX, heres what you can do : Tell the CFPB and the company what you think about t THIS IS NOT TRUE. THIS IS ABOUT A SEPARATE LETTER THAT WAS RECEIVED ON THE XXXX AND RESULTED IN AN ADDITIONAL XXXX OF DAMAGES. XXXX XXXX PROCESS THE XXXX COMPLAINT! THE CFPB OUGHT NOT TO BE DEFENDING BANKRUPTCY FRAUD! FILE THE XXXX COMPLAINT! IT IS A SEPARATE COMPLAINT XXXX XXXX  XXXX I HAVE ADDED THE RECORDING OF THE CFPB HANGING UP THE PHONE ON ME AND NOT REFILING THE COMPLAINT. XXXX XXXX. THIS IS FRAUD.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Holloway Credit Solutions (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2017-10-22
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. (IA)

Related OPEN Cases : CFPB # XXXX TO WHOM IT XXXX CONCERN, I believe these documents should be shared with the companies that are involved in my Identity theft which are XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security, Federal Reserve XXXX and XXXX else CFPB Seems appropriate. 

I 've attached a document that will explain my complaint. This is an additional complaint in reference to my 13 years of continual identity theft that CFPB has greatly assisted me with. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***THE XXXX DOCUMENTS THAT WILL EXPLAIN MY COMPLAINT ARE CFPB LETTER TO XXXX BANK AND LETTER TO XXXX XXXX XXXX XXXX, THE REST ARE SUPPORTING DOCUMENTS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note : Please mail all hard copies to my address b/c my online access has NOT been accessible since the first complaint. For some reason i can not get access to it and have gave up on attempting to resolve this issue. 

NOTE : POLICE REPORT IS INACCURATE B/C MY ADDRESS IS NOT XXXX XXXX XXXX XXXX, XXXX, IA XXXX. THAT ADDRESS IS THE SUSPECT ON MY POLICE REPORT, XXXX XXXX. 

THE SUSPECT, XXXX XXXX WAS UNEMPLOYED FROM XXXX. XXXX XXXX DID NOT RETURN TO WORK UNTIL XXXX WHICH MY MOTHER GOT HIM A JOB WITH HER WHICH THEIR TAKE HOME AFTER TAXES IS A LITTLE BIT OVER XXXX, AND HIS DIVORCE WAS NOT FINALIZED WITH HIS EXWIFE ( a victim of abuse by suspect XXXX XXXX ) UNTIL XXXX, WHICH HE HAD XXXX KIDS STILL IN SCHOOL AND HAS BEEN WORKING A REGULAR LABOR JOB AT " BASE PAY, AND THE XXXX, XXXX XXXX IS ALSO XXXX MY MOTHER BOTH PHYSICALLY AND MENTALLY, which was discovered in XXXX, and is when XXXX XXXX from the Attorney General 's Office requested the letter I attached below Thanks Respectfully and Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (VA)

I contacted one main financial with the intention of obtaining a loan to assist with financial crisis due to covid and use funds to pay off credit cards as well as help keep my business afloat. During the approval process I was advised that I had a monthly payment of {$360.00} which was something I could afford as well as make additional payments to pay loan off quicker. After 2 years of payment monthly payment with an additional payment and not seeing my loan amount go down I learned that one main financial was actually charging interest daily verses monthly as I was advised during the time of approval. They continued to offer me more money which I did not take as I felt they were doing so to keep me paying longer terms which I did not agree upon. As I did the calculations and seemed advice through legal services instead of being able to pay my loan off in XXXX years with additional payments of would in fact be around 8 years. My loan was for $ XXXX. I was making monthly payments of {$400.00} to {$600.00} for XXXX years and my balance is sitting at around $ XXXX due to the daily interest I was not informed about during approval. My loan should be close to payoff and yet the amount continues to go up. Which has led me to stop making payments because I can not afford the daily interest I was not advised about during approval and my payments are not making a dent in the original amount approved. I feel taken advantage of.
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

I received a title loan from Loanmart on XX/XX/XXXX. I received my first one from them in XX/XX/XXXX. My car was stolen on XX/XX/XXXX. I emailed LoanMart on XX/XX/XXXX and they told me I needed to call on XX/XX/XXXX. I called on XX/XX/XXXX and was transferred to the insurance department for Loanmart to leave a voicemail because they were closed. Their insurance company called me on XX/XX/XXXX to discuss the car and i told them my insurance company and the police told me to inform them that the car was stolen. They gave me a police report number, and I emailed them the webpage showing the report was in process. On XX/XX/XXXX, the rental i had was totaled by a drunk driver and the deductible depleted all my funds. Loanmart called me on XX/XX/XXXX in reference to a payment and i told them the car was stolen and I was waiting for it to be returned. and I have no money due to paying the deductible for the rental, my mortgage, my XXXX bill, and other bills. I explained that there was no way I could make a payment and I had already spoken to their insurance, who told me to send a report and the claim, which I emailed to their customer service email address. I will also send them a hard copy. I was then threatened that if I didn't make a payment, I would suffer the consequences because my payment is late as of XX/XX/XXXX. I am not sure what I can do right now due to everything I am experiencing days apart from each incident. My car is a XXXX and their is currently a high crime rate of these cars being stolen at this time. I feel that LoanMart is a predatory lender and they really don't care what financial hardship a customer is going through. The woman hit my car and had no insurance or license, totaled my car and XXXX others and left the scene. The young men who stole my car have not been caught. Its a lot to deal with financially, emotionally, and mentally, and LoanMart reps are calling me, threatening me, and being disrespectful. As though what I am dealing with isn't enough to bear at this moment.
Consumer complaint received 2024-07-13
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: DISCOVER BANK (NY)

From XX/XX/XXXX to XX/XX/XXXX at some point between those dates, I realized my wallet was stolen. I came to this conclusion after not finding my wallet and then checking my bank accounts to see multiple transactions being made that I did not authorize ( transactions were made on multiple cards but this case specifically involves DISCOVER ). I went through the process of shutting down all my credit cards and spoke with each credit card 's respective bankers to solve this issue of fraud and unauthorized transactions. All the credit card companies were understanding and assisted me in recovering my cards and clearing those specific transactions. All companies except one, that company was DISCOVER. I called DISCOVER and briefed their fraud team about my situation. Initially, they understood and closed my credit card temporarily and sent a new one as well as added pending credit in the meantime. Eventually, the fraud transactions were removed and the credit was permanently given to me, until I activated the new card and the fraud transactions were reposted. I again called and the call wasn't productive I was told that their fraud team had just simply concluded that it wasn't fraud based on an XXXX address that was similar to mine given by a merchant and a reoccurring transaction/subscription. 

Overall all other credit card companies understood and were very helpful, but DISCOVER seems to be very difficult to deal with in this case and has given unreasonable justifications as to why they came to their conclusions.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (CA)

I reported identity theft on card ending in XXXX, months, years went by while I waited for credits. I do not shop at XXXX. I am currently receiving statements from XXXX 's on a card ending in XXXX which just started. I do not have a XXXX XXXX XXXX XXXX. At the same time I am receiving collection letters from United Collection Bureau Inc. regarding the same XXXX XXXX Account. I have sent a Cease and Desist to United. XXXX is now sending me a form letter threatening to update my credit reports with this fraudulent account ending in XXXX. The XXXX Identity Theft Claim on XXXX  needs to be closed properly.
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

IC Systems added an account to my credit file. They have not provided me with any paperwork. I do not have a contract to do business with IC Systems or XXXX XXXX. IC Systems has yet to validate this debt.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I opened a checking and savings account {$13000.00} XXXX was to be deposited in to my savings, remaining XXXX in to my checking. 

I would like to understand how a deposit of {$13000.00}. XXXX Turned in to {$20000.00}. Because when tax time comes the irs willask me.
Consumer complaint received 2024-06-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Debt is Duplicate, the account was sold without my permission. 

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 

Request validation of debt the collector must provide you with certain information, including a written verification of the debt, if requested. 

original contract payment history
Consumer complaint received 2024-07-13
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: TD BANK US HOLDING COMPANY (TX)

FIRST, MANY UNRECOGNIZED CREDIT INQUIRY - I did not authorized those credit checks. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (CA)

I looked at my report and noticed things are incomplete and not accurate. according to the Fair Credit Report Act 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 these accounts ( XXXX XXXX XXXX ) ( Money Lion XXXX ) are not complete or accurate.
Consumer complaint received 2024-07-14
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: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/year>, I noticed a hard inquiry from AMEX on my credit report, even though I did not apply for any new credit card. This wasn't authorized by me, and I would like it to be removed from my credit report.