davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

I am writing to bring to your attention a serious issue regarding inaccurate information being reported on my credit reports by multiple credit bureaus. Despite my numerous attempts to have these errors corrected, the account in question continues to be reported with derogatory remarks and comments about foreclosure. This inaccurate reporting has severely damaged my credit score and financial standing. 

Specifically, the account should be reflected as PAID and without any foreclosure remarks. I have provided detailed evidence, including account summaries and correspondence with the creditor, indicating that the account was settled in full and no foreclosure proceedings occurred. These documents clearly demonstrate the inaccuracies and the need for correction. 

The credit bureaus involved have failed to take appropriate action to correct these errors, despite my ongoing efforts to resolve this matter. As a result, I am escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit reports are accurately updated and to prevent further harm to my creditworthiness. 

Failure to address this issue promptly will leave me with no choice but to consider legal action to rectify the situation. I trust that the CFPB will assist in ensuring that the necessary corrections are made.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC (GA)

Westlake Portfolio Management mentioned that they sent a welcome letter, which is not true. I never received a welcome letter. There was a link on American Financial Car Center website directing me to Westlake Portfolio, but when I clicked on the link, nothing happened. Also, there was a phone number, I called the number several times and no answer. I repeated this several times in XXXX of XXXX. I can provide the phone number used and the IP address that I will be delivering to my attorney. After, I reported the car stolen, I was told by the XXXX XXXX Sheriff Department that ALL repossessions should legally be contacted by XXXX. That never happened. I just saw marks where the car had been dragged away and after all of that : I DID NOT WANT TO GET THE CAR BACK FROM WESTLAKE PORTFOLIO MANAGEMENT DUE TO VEHICLE NOT WORKING PROPERLY FROM BEING DRAGGED WITHOUT THE KEYS. ALSO, NO ONE KNOCKED ON THE DOOR TO GET THE KEYS TO THE VEHICLE. THERE WAS NO THREAT OR ANYTHING.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (MS)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken  account to fraudulent investment firm. 
I wanted to earn some extra money, and found this Investment firm online. After some time, when I figured I can not retrieve my earnings, I figured out I was scammed. 
They went extra mile, and hacked my friends account, and wrote to me, so that I can feel reassured that someone I know is already doing business with them.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc. (FL)

I opened an account on XX/XX/2024 with promo code XXXX. Tradestation is now claiming that the promo code is no longer valid. Well, it was valid on the day I signed up and it even displayed the code on the landing page which I took a screenshot of ( see attachment ). This is a clear case of bait and switch. 
Company claims that the website was not updated, but whose fault is that? The application page accepted the promo code and honestly would not have signed up without that offer.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was sent a fake email pretending to be one of my suppliers regarding outstanding invoices. They asked me to make payment by ACH. I sent payment of {$19000.00} and found out that day it was fraud, so I called Chase Bank same day to reverse transaction. Two days later they told me they couldn't, I submitted a claim twice because it was submitted incorrectly but they said it was not fraud. I reached out to the receiving bank, XXXXXXXX XXXX XXXX  and they said they needed a letter from Chase Bank, but Chase Bank would not give me a letter to claim fraud.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IA)

My loans are part of the XXXX XXXX XXXX case. Per the settlement agreement loans pertaining to the case are supposed to be cleared from the credit report by the end of XX/XX/year>. I filed a dispute where it came back that the loans were correct. My loans are still being processed for discharge per the settlement agreement. The balance is incorrect. The deadline for discharge per the settlement agreement has passed. Interest is being reported to the credit bureaus for the loans which is still impacting my credit score which is a violation of the settlement agreement.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp (NC)

I contacted XXXX XXXX XXXX XXXX and they notified me that they use XXXX  to screen teanants I contacted XXXX and they informed me that CIC provides them with applicant information that they provide to XXXX XXXXXXXX XXXX XXXXXXXX. I requested my report from CIC and on it was housing that I never obtained. I filed notifying that it did not belong to me and I also was notified by XXXX XXXX that they are providing and sharing the fraudulent information with them as well. XXXX XXXX said that the CIC was not regulated with the FCRA and should not be sharing information publically with companies. 
And they can not share that information that could prevent me from obtaining housing because it would be unlawful for them to do so. 

They have records attached to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC reporting 2 evictions from that address from a company listed as XXXX XXXX I can provided my full social security number, and my full name and information That information does not belong to me CIC also did not share my full report that they share with XXXX  they sent me a portion. Due to my rights I want CIC to remove the fraudulent information that it has attached to my identitiy. Under Fair Credit Reporting Act. 

The Address for CIC is : CIC Contemporary Information Corporation XXXX XXXX XXXX # XXXX XXXX, GA XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (PA)

I have no knowledge of this debt to Waypoint has reported on my credit report in XXXX in the amount of {$330.00}. It was to be removed and it has been removed from all reports except for XXXX. It is now increased to {$670.00}. I have no knowledge whatsoever of this. They have never contacted me via mail nor phone. This is damaging my credit score and this is not a debt I owe. I want this removed immediately.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (IL)

Upon receiving my criminal review sterling was asking my employer to consider XXXX  from XXXX  years ago when I was XXXX and Im almost XXXX XXXX XXXX in the state of Illinois our Government passed a law that anything thats over XXXX years isnt used against us its illegal to do so this company refuses to follow our laws see laws and its XXXX years for XXXX
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) RE : Account Number XXXX Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/year> I was informed by USAA that my account will be closed. They stated that I will not have access to the direct deposit coming into my account on XX/XX/scrub>XXXX For 60 days until the account fully closes. I explained to them I need access to my funds and can not wait 60 days. They are refuses to allow me access to my funds I have no problem with them closing the account but I need access to my funds.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

I have sent XXXX letters now XXXX with tracking with signature confirmation they signed for it and still call and send letters. I requested them to cease all communications but they refused and think they are above the law. I have called and sent emails as well calls and massive amounts of mail come from them. The tracking number that they signed for is XXXX XXXX XXXX XXXX You can see if was signed for and received. At this point, they are willfully violating the FDCPA. I don't know how many more times I have to send them a cease and desist letter for them to ignore it even will it was signed for and reviewed by their staff. 

Reputable debt collectors do not violate the FDCPA and I would advise anyone reading this review not to communicate or do business with this company that does not follow the Fair Debt Collections Practices Act ( FDCPA ) which is the law! 

Legal action is being considered for FDCPA violations.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

This is a follow up complaint to Nationstar Mortgage. They have responded to my complaint about my escrow account being used exclusively for property taxes. They claimed that they had " inadvertently, '' pulled money out for insurance back in XXXX. The truth of the matter is than when Escrow Analysis was done in XXXX of 2016, they INCREASED my monthly payment to account for the insurance. They have responded by asking my to " re-fund, '' the money erroneously sent to XXXX XXXX, where my argument is that money should have never been sent in the first place and my payments should n't have increased by {$45.00} in XXXX to account for the insurance. This is wrong and potentially unlawful.
Consumer complaint received 2024-06-28
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)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made an appointment to speak with a representative at Bank of American located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX at XXXX XXXX on XX/XX/year>. I was greeted by the branch manager XXXX XXXX last name unknown ) who directed me to XXXX XXXX XXXX. 
I was there to make changes to my beneficiaries to delete one name and add another. 
After verifying who I was with my Driver 's License and Debit card she proceeded to access my account. She took an exorbitant amount of time clicking through my account to the point where I had to interrupt her and ask what exactly she was doing in my account. She explained that she was authenticating who I was. I had given her all the documents she needed so I did not understand why the nosing around in my account was necessary. She then proceeded to pull up the screen that showed my beneficiaries, she turned the screen around for me to see when I noticed a name on my account I did not recognize. She then explained that it was a computer glitch in the system and assured me it would be taken off. I was not at all satisfied with that answer, so I ask to speak to the branch manager who came over and explain that indeed there is system glitch that's the reason this unknown person 's name appeared on my account. She also assured me once the forms are printed that unknown name will not be on the forms, nor will it appear on my account. I'm not at all happy with this excuse about the computer glitch and the name appearing on my account. I believe XXXX XXXX and the branch manage was trying to scam me. I would like a formal investigation as to the so-called computer glitch in the system and this foreign name appearing on my account.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (WV)

LVNV Funding is the collector tbe original debt is from XXXX XXXXXXXX XXXX XXXXXXXX, states the debt is in the amount of {$620.00}, I have Zero knowledge of this debt and never signed a contract with LVNV funding or XXXX  XXXX.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX I submitted a written request to American Express opting out of them reporting any personal information to third parties upon reviewing my consumer credit report on XX/XX/XXXX. I noticed that they have continue to report to third-party companies being XXXX and XXXX are both non-affiliate third party companies. I called American Express calling the number provided on the report on XX/XX/XXXX at around XXXX XXXX while talking to a representative in the credit bureau unit telephone number XXXX, after speaking with several other reps this particular representative after informing him of my previous request that was sent via mail of me opting out and that i would like to place the same request via phone he informed me that no such request can be made. He stated that is not an option that is available. After informing him that I would like to exercise my right of the Privacy Act of 1974, 15 USC 6802 and 15 USC 6805, 16 CFR 313.7 he continued to inform me that that was not an option for me. American Express has treated me very unfairly. They are providing customers with inaccurate information and violating their rights. They are unfair and have deceptive acts and they are training their employees to be deceitful and lie to consumers, the rep informed me that he is following company policy. Several of my rights have been violated. The account that is appearing on my consumer credit report also states that it is a charged off account a charged off account is considered a certificate of indebtedness which means it is income, and income can not be reported on consumer credit reports per irs publication. therefore it must be removed. I have spoke to several representatives of American Express and several departments, and they have all giving me the runaround either by transferring my call to another representative or by providing me with different numbers so I can reach out to them on my own behalf. A few of the numbers provided were XXXX XXXX XXXX which was the credit bureau unit for American Express XXXX Even after me submitting my opt out request via mail written and calling to verify receipt of said request American Express has chosen to not obey the law. They continued to report inaccurate information and they have also provided transaction history providing third parties with non public information. The law says it is illegal to report transaction history and they have.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX 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
Consumer complaint received 2024-06-04
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: BTH Management (TX)

Plaza Services This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account Plaza Services Account XXXX XXXX  for violations of FCRA XXXX XXXX for RE : Insertion of Account with no notice within 5 days of Re : Insertion. Plaza Services is violating specific laws continuously 15 USC 1681 ( XXXX ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( XXXX ) ; 15 USC 1681 ( i ) XXXX ; 15 USC 1681 ( XXXX ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. 

This is a last ditch effort. I have filed multiple complaints with the XXXX CFPB, and, XXXX, XXXX XXXX, and Plaza Services XXXX.
Consumer complaint received 2023-10-27
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (MI)

Recently found out that XXXX credit cards were opened under my name without my knowledge. Noticed when I did a credit report. 
XXXX ) XX/XX/XXXX American Express card opened, Card closed XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX opened, Card closed XX/XX/XXXX. 
XXXX ) XX/XX/XXXX XXXX XXXX XXXX opened, closed XX/XX/XXXX XXXX ) i opened XXXX XXXX  XXXX XXXX, XXXX. Multiple charges charged to this card without my knowledge All of this activity was done by wife who used my SSN and other personal information to open these accounts All documentation is in my credit report as well as a communication between a customer service person at XXXX and someone representing themselves as me.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.