davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My credit score has not improved very much even though I have a long credit history, ( XXXX ) years. I make weekly payments on my credit cards, my credit usage is always under 30 %, and I never make late payments.. I have had my credit score drop at times for no justified reason at all without explanation. My score should be in excess of XXXX, if the credit reporting agencies along with the credit card companies were reporting my information accurately I am requesting the CFPB do a thorough, and address my concerns fully. Thanks in advance...
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a business saving with Bank of America I have went to branch called customer service they have failed to give me answers regarding my account they have debit/hold my entire saving I have for my business my balance inside my account was XXXX now it shown XXXX I have never gone through anything like this I would like my funds to be unfrozen and my funds returned to me this isnt okay its unprofessional I have a business I have children to be taking care of these are hard working funds I have verified myself my business to Bank of America over 8 times I understand its a lot of crazy fraud doing going on but I dont condone that at all and for my money to be token like that is insane this has caused me and my kids to go without meals them to miss out in school due to no funds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I cant even make it to an appointment my business is at a stand still I have provided all information need supporting documentation etc etc AND STILL NOTHING why is this happening I need help asap I HAVE NOTHING IT MIGHT NOT BE ALOT TO OTHERS BUT ITS ALOT TO ME AND MY FAMILY AND MY BUSINESS
Consumer complaint received 2023-04-26
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. (PA)

I am writing this complaint against EXPERIAN for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report
Consumer complaint received 2024-04-14
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. (AZ)

I am writing to dispute the accuracy of certain information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under 15 USC 6802, 15 USC 1681b, and 18 USC 1028a. I am concerned that the information contained in my credit report may be inaccurate, incomplete and was obtained and reported without proper authorization. I have attached a copy of the " copyright notice '' recorded with the county in the State of Arizona as well.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX I deposited XXXX checks payable to my XXXX from the US Treasury in the amounts of {$63000.00}, {$63000.00}, {$36000.00}. At which time I was told they would be delayed til XX/XX/XXXX. On XX/XX/XXXX I was informed they would be holding my funds longer. Then I was notified they were closing my account and the fund would be sent out to me in form of a Cashiers check. I never received the cashiers check when I called them they said they was holding the fund for investigation and to contact the US Treasury.

I called the IRS and US Treasury and was informed the check was cashed and there was no issue on their end involving the funds and that Bank of America had received the funds and there was nothing further they could assist me with.

I have been trying to get Bank of America to release my funds and send the cashiers check.

I had already provided them the business license from the City showing the XXXX. 

I will be attaching copies of the letters I got from my last complaint, IRS Transcripts, Copies of the checks deposited.
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (CA)

Westlake Portfolio Management based in XXXX XXXX, CA has been continuously emailing attempting to collect a debt that was paid in XXXX, XXXX. 

When speaking to a customer service representative, they act as though they can not locate the account. The issue may be that the account was made in my daughters name, however I am her mother and handling the account. Even then, when I provide my daughters information, they continue to say they can not locate the account.

When I send emails or customer service inquiries on their website ( and include a copy of the payment receipt with the account number clearly indicated on the receipt ), they say the inquiry has been sent to the appropriate dept. but then a day or so later I get an email stating the inquiry is marked as closed without any acknowledgement of receipt of payment.

I then continue to receive emails from them attempting to collect the debt.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

never received a notification on this, i have never heard of this company and now is showing on my credit report I have made several attempts to inform XXXX and Transunion that the following account report is inaccurately on my credit file. I have not received sufficient verified documentation regarding this account and they haven't done their job of verifying if this account belongs to me.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

There are excessive late payment accounts reported on my credit file. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I did not authorize the addition of certain information to my credit profile. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Consumer complaint received 2024-04-14
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. (GA)

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 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 XXXXXXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received a letter in English and Spanish about your companys program, XXXX. As far as I understand, the condition which requires XXXX  means I have the account which I do not authorize the third party to use. However, as far as I remember, my accounts, which opened before the Pandemic were closed completely after official announcement of identity theft by your government organization in the United States. At least, I received a letter of confirmation of the closure of the account from Wells Fargo itself. Anyway, I do not have any means to check the bank activities, since the business email address, which was disappeared was unable to check at all, because the host of the business website, which connects to this email address, unable to solve the issue to recover my website and the issue has remained unsolved and I have never received any procedure with this host, XXXX, which used to be XXXX Small Business Website Host company. If you want to complain or wish me to find out how to check my closed bank accounts with Wells Fargo, please ask XXXX, to fix my website and then I will pay the host fee and make sure I will update all information regarding my business matters. Since I do not know the reason why I need to sign the document, which you have sent, I will not sign this letter to the XXXX  XXXX. 

And you stated that I have contacted Wells Fargo on XX/XX/XXXX of XXXX  ; however, I do not remember that I have contacted with your company regarding unauthorized account of your bank. I hope you will recheck this matter to clarify whether I have connected with your company for the unauthorized usage of your bank account, since I consider your bank must have some monitor system if I called. Or you must have kept the written document to clarify the matter. Or somebody else, who stole my identity might have contacted with your company. Then, you need to notify officially to the authority. 

Therefore, I will keep the English version without signing. And I will return the Spanish version, which I do not need at all due to unfamiliar language for me, and please never send me the documents in Spanish. Of course, this matter will be reported to Consumer Financial Protection Bureau. Also, I wish you will use the proper format letter pad, which has the logo color Red. 

Sincerely,
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir, Today, I received a letter from one of your offices, Wells Fargo Mediation Program XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, regarding the offering service of mediation on my closed business ( credit card ) account. Since my card was closed after the notice of identity theft, I am not sure why I have asked this service and to sign. This office stated in the letter that I have contacted with this office on unauthorized account usage. I might have contacted around that time whether my account was closed or not, but I never considered the unauthorized usage at that time. Since there is a concern of possible fraud and illegal activity on the credit cards activities in my name, this inquiry of unauthorized account usage on XX/XX/XXXX of 2023 might be performed by the third party who might have known the illegal activities. Therefore, I would like you to investigate further on this matter. 

Sincerely,
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

MOHELA automatically put me in forbearance in XX/XX/2023 when I requested IDR with updated income. Then when my first payment was due it read {$0.00}. The next payment was only {$28.00} instead of the correct payment of over {$500.00}. I can not afford the IDR program determined value. I live in XXXX XXXX and taxes take XXXX of my income. Housing and cost of living is at an all time high. I have XXXX XXXX I need health insurance premiums for. Im single with no children and losing money each month just from living.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-14
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with Experian, a credit reporting agency. Recently, I discovered that Experian has deleted an account ( XXXX XXXX account number : XXXX ) from my credit report without my authorization or consent. 

What is more alarming is that Experian has sent me alerts indicating that I disputed this account, which is entirely falseI never initiated such a dispute. This erroneous action has had a detrimental impact on my credit score, which has dropped to XXXX without a valid reason. 

Despite contacting Experian for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. 

I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Re : Formal Complaint Against Moehla for Mismanagement of Student Loan Payments Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my student loan by Moehla, a loan servicing company. I believe that Moehla has failed to accurately apply and report my payments, causing significant financial and personal distress. 

I have an account with Moehla. Over the course of my loan repayment, I have paid over {$12000.00}, as evidenced by bank receipts and transaction histories. However, following the transfer of my loan servicing to Moehla in 2020, these payments have not been reflected accurately on my account. This error has led to an inflated principal balance, increased monthly payments, and a rise in my interest rate. 

Despite multiple attempts to resolve this issue through phone calls and submitting proof of my payments, Moehla has not provided any response or resolution. The lack of acknowledgement and action from Moehla 's side has compounded the problem, leaving me in a financially precarious position and causing undue stress.

I am hereby requesting the CFPB 's intervention in this matter. I am seeking the CFPB 's assistance in ensuring that my payments are correctly applied to my account, my account balance is adjusted, and my interest rates and monthly payments are returned to their proper amounts. 

I trust that the CFPB will understand the severity of this issue and take appropriate action to rectify the situation. I am available for any further information or clarification needed in this regard. 

Thank you for your attention to this critical matter. I look forward to a prompt and fair resolution.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

On XX/XX/XXXX, after several weeks of trying to get through to a my loan servicer, MOHELA, to request a refund of payments made during the Covid Forbearance, I was given inaccurate information regarding my payments made during the Covid Forbearance. I had been calling to request a refund of those payments, which per the CARES Act, I am eligible to receive a refund of. The XXXX MOHELA incorrectly told me that the payments I made would be counted as " Paid Ahead '' and be applied to my future student loan payments, this was inaccurate. I had requested a refund of the payments I made on XX/XX/XXXX of XXXX during the XXXX forbearance, this request was not properly sent for processing. Now for several months I have had to sit on hold with MOHELA for hours on end to be told that my request is being submitted, then when I follow up we find out it was submitted incorrectly or to the wrong department at MOHELA. This has happened on numerous occasions. I feel that my request is not being submitted properly and that the inaccurate and misleading information I received is preventing me from receiving the refund of the loan payments made during Covid forbearance. MOHELA needs to ensure that my request is honored and sent to the XXXX. of XXXX, they are the servicer who mishandled my request and gave me inaccurate information regarding the payments made during the forbearance. I am having great difficulty getting through to anyone at MOHELA and or the XXXX. of XXXX that can resolve this issue, this is no fault of mine. Neither MOHELA or the XXXX XXXX XXXX are properly staffed to provide borrowers with adequate service in a timely matter. MOHELA has made no effort to correct this mistake by contacting the XXXX. of XXXX directly and/or having it corrected via special channels. Each entity has referred me back to the other on XXXX occasions.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Porsche Financial Services, Inc. (CO)

In XXXX of XXXX, I, XXXX XXXX, took possession of a XXXX XXXX XXXX XXXX  from XXXX XXXX in XXXX, Colorado. Since then I have been the exclusive owner of this vehicle. Therefore, let it be known that I, XXXX XXXX, do hereby claim this vehicle to be mine by right of possession and usage and do not recognize any counter claims secured through fraud such as the one being made by Porsche Financing XXXX who falsely secured the title to this property with bank credit fabricated from nothing thus failing to provide proper consideration. Let it be further knowing that any attempts to take this property from XXXX XXXX or deprive him of his rightful usage are illegal and a violation of his rights. Should attempts be made by any person public or private, the owner maintains his right to lethal self-defense and will do so with impunity according to the Make My Day law of the State of Colorado. 

XXXX XXXX is open to receiving counter claims at his residence provided those claims can prove legitimate ownership. XXXX does not recognize claims of ownership that can not prove possession, usage, or a valid transfer of title. Any claims to a valid transfer of title that were secured with Federal Reserve Notes ( ie U.S. Dollars ) are dismissed as null and void, failing the requirements of contract law. Any precedent of lending institutions successfully using Federal Reserve Notes to secure contracts is invalid on this basis. 

This post serves as public notice. I dont have the time, resources, energy, nor will to navigate the convoluted legal system that has been complicated by the vested interest of attorneys and their law firms. XXXX XXXX would further like to inform the Porsche Financing XXXX and the CFPB that he is training hundreds of thousands of people worldwide how to expose the fraudulent and deceptive practices of the Federal Reserve System and its participants in depriving people of their rightful possession and usage of their private property.