davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (PA)

An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # XXXX removed immediately. 

This is neglect on the reporting company, and they should be held accountable for this horrible mistake.

I am requesting an updated credit report for my personal records as I can't trust what else may be put on my report.
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding discrepancies in my credit report, and as of today 's date, I have not received a response. The details of the inaccuracies and the required corrections are outlined below : Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX XXXX XXXXD Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 

Account XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Issue : The account was never late. Please correct this inaccurate information on my credit report.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2023 I had XXXX in my savings account around XXXX at night I transferred money out of my account and transfer money back into my back so I had funds in my account. On XX/XX/2023 i assets an over draft fee of {$20.00} when I had money in my account. I called the bank and wanted the {$20.00} back because all I did was move XXXX around and I had money in my savings to cover anything that came out I just moved money from one bank to navy federal. Im explaining this to the manager and she going to say if I keep speaking to her in a demanding way. I am explaining what happened and she is claiming Im demanding her absolutely ridiculous didnt use not one curse word didnt call her names nothing. Navy federal is charging illegal fees and refuse to give me my money back
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc. (IL)

I am filing this complaint to BSI FINANCIAL SERVICES for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
Consumer complaint received 2023-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pressler & Pressler, LLP (PA)

The company, Pressler , Felt & Warshaw , LLP, representing XXXX XXXX XXXX XXXX claims to have obtained a judgment against me in the amount of {$4.00}, XXXX ( which has increase to {$5100.00} due to added interest ) on XX/XX/XXXX in the Court of Common Please, XXXX XXXX, Pennsylvania. They claim in their communications a docket number of XXXX, which fails to turn up any judgment or other results during a search of court records. A further search of the promontory 's case records also does not show any judgment against me awarded to to this company. 

Prior to this Pressler, Felt & Warshaw attempted to obtain a judgment against me in magisterial court on XX/XX/XXXX but the magistrate ruled in my favor. I was contacted against by Pressler, Felt & Warshaw on XX/XX/XXXX, at which point they claimed to have obtained the judgment against me on XXXX. I have never received any notice from the court or proof of the judgment from Pressler, Felt and Warshaw. 

On XX/XX/XXXX, Pressler, Felt and Warshaw sent me interrogatories in aid of execution, related to this non-existent judgment. Once again the notice cited this docket number stated above, which as I have previously said, turns up no entries whatsoever when doing a search of court records. 

I should also add that no judgment has been posted to any of my credit reports ; only a collections in the name of XXXX XXXX ( currently listed at {$5100.00} ).
Consumer complaint received 2024-03-15
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. (NC)

This serves as another complaint to follow up on my recent issue concerning inquiries and the removal of inaccurate personal information. In accordance with FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items referenced in an identity theft report, with mine being under reference # XXXX. Enclosed are the relevant documents to facilitate the removal of the inaccurate address and inquiries from my report. Below is a list of unauthorized account openings : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate any items in a consumer 's file identified as information resulting from alleged identity theft within four business days of receipt.
Consumer complaint received 2023-04-18
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. (GA)

This is my NUMEROUS 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 items 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, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (FL)

XXXX  ny office, i was a cosigner on loan with my mother with my car as collateral, she went bankrupt and would not talk to me about the anything other than make a half payment and they would we be in touch with me to figure out the rest after the bk, well they took my car, i told   XXXX   XXXX   (  XXXX  ) i would i pay the past due amount to bring it current and they want nothing to do it with it, i was lied to by   XXXX   at mariner finance they said my mother committed fraud and i do n't have my car. i am husband and father of  XXXX  and have had  two pervious loan s that were paid faithfully and on time and now no car even trying to make this situation right, please let me pay what i owe to reinstate the loan and i will assume all of the payments from here on out inc the repo fees. Also after furtherin review, in nys there must be a cosigner form signed by the cosigner and that form was issued to and signed by the borrower, due to nys statue it does say if the bank does not follow the proper co signer steps the cosigner is not obligated to loan at all. This company never contacted me after i made a payment they as me to, they did not inform me that the loan was in default after i made the account current. all i want to do is pay the loan now seeing my mother is out of the picutre this is my car they also refused to tell me where the car is so i can grab my personal belonings, credit cards, personal mail and bils title to my wifes car as well as peronsal things of my kids.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (IL)

Exeter finance, account number XXXX. This account is being reported to my credit profile which I have no knowledge of. I requested this company to provide full account details and permissible signed contracts between me and XXXX. This debt was also sold to another company which is illegal due to consumer law 15 United States Code 6802 ( B-1 ). The owner of this debt is XXXX XXXX  which I dont have a contract with. XXXX finance have not giving me notice of anything about this suspicious account in writing and under section 6804 of this title law its a violation of my consumer rights. Whatsoever I havent either received clear written instructions to opt out of whatever this debt might be. I also demanded XXXX company to cease and desist all communication with me which they havent which is a violation of 15 United States Code 1692 ( C-A ).
Consumer complaint received 2023-09-07
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

When reviewing an alert on my credit report, I noticed that there was an attempted collection of a debt that does not belong to me. 
This collection company put on my report a series of addresses where I have never lived in order to collect a fraudulent debt. 
It is evident that they used my information to commit fraud. 

I have never requested these types of services and I have never resided at those addresses. I have never had an account with XXXX XXXX XXXX On several occasions I tried to call this collection company, but they did not answer. 

The information of this collection company is : SOUTHWEST RECOVERY SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX SOUTHWEST RECOVERY SER Original creditor : XXXX XXXX XXXX Balance {$590.00} Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$590.00} past due as of XX/XX/2023. 
Status updated. 
XX/XX/2023 Fraudulent address provided by this collection company : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I used XXXX through my Wells Fargo account to pay a person with an account at XXXX XXXX. This person using their XXXX account committed fraud and stole {$200.00} from me. 

My complaint is against Wells Fargo, XXXX and XXXX XXXX. Wells Fargo and XXXX own XXXX. 

My case is EXACTLY as those described in the recent XXXX XXXX article on XXXX and their significant issues with fraud. XXXX  : XXXX On the night of XX/XX/2018, I sent money to a person advertising concert tickets on XXXX. I paid them {$200.00} through XXXX on the Wells Fargo website. The person I paid had a XXXX account linked to their XXXX account. The tickets were counterfeit. 

I immediately called Wells Fargo. The Wells Fargo website listed the transaction as " Pending. '' The Wells Fargo representative said that is incorrect ; the transaction was instant and nothing can be done. The WF representative then told me the XXXX account which had committed the fraud was linked to a XXXX XXXX account. The email associated with the XXXX account at XXXX is XXXX I have called Wells Fargo, XXXX and XXXX. They refuse to explore or investigate this case of fraud. Wells Fargo and XXXX say it is XXXX 's responsibility, XXXX says it is the bank 's. The joke is the banks own XXXX. None of them have any interest in resolving this issue. NONE OF THE COMPANIES HAVE A MEANS TO FILE A DISPUTE, COMPLAINT OR FRAUD. How can that be? 

XXXX and it's owners, Wells Fargo and XXXX have repeatedly told the press they will do everything they can to help reduce this significant fraud problem. Yet all three have systematic procedures that prevent just that. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX, equifax, and XXXX XXXX are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico score.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

CFPB - and countless consumers laws i allege are being FRAUDULENTLY BEING IGNORED- so this is a request to BANK OF AMERICA TO RESPOND BY LAWS REGULATIONS DOBB FRANK ACT- CFPB RULES- AGAIN BANK OF AMERICA I ASK A RESPONSE OF A YES OR NO.

REQUEST : will BANK OF AMERICA STATE YES OR NO- that they have honestly responded accordingly to all banking consumer rights per below. THIS IS A YES OR NO REQUEST. 
Why? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Last 4 SS- XXXX
Consumer complaint received 2024-03-15
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. (IL)

In accordance with the fair credit Reporting act XXXX, Experian, XXXX and XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX I was trying to send {$2000.00} to my mortgage holder XXXX XXXX however XXXX XXXX who was a old Mortgage holder was right above XXXX  XXXX in my online banking and I sent a {$2000.00} payment to XXXX XXXX instead of XXXX XXXX. XXXX XXXX  was taken over by Chase Manhattan in I believe XXXX. I contacted Chase who denied they got the payment and blew me off. I contacted the XXXX  State attorney General and what do you know Chase was able to find the payment with the tracking and account numbers I provided via XXXX. Chase has gone back and forth and keep changing required documents they dont like A letter of indemnification has been sent to Chase multiple times and they keep rejecting it they say that they have sent a templet to XXXX of what they want but nothing comes thru they say they fax this info but nothing comes thru. They have refused to send me the templet so I can get it to XXXX. So with out this letter of Indemnification they refuse to return my money my bank has had enough of the stonewalling by Chase not sure what they are being indemnificated from since they should have just returned my money to begin with not sure where to go from here chases Executive offices are slow. to respond wont hardly call back almost never email wont send me the information wont give me a physical address to send information to my belief is they are hoping I will go away and they get to go have lunch on my money. Not sure how they can account to this extra money on their books its not income interest or payment that is owed them
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC (NV)

I really hope you can help me. XXXX and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with Cavalry Portfolio Services that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MA)

Hello, CFPB, I was recently afforded an a loan modification through Dovenmuehle who is the servicer on my home loan and its owned by XXXX XXXX  . I successfully completed a 3 month trial modification XXXX XXXX XXXX paying {$3200.00} for three months and with the understanding that if completed, l will then receive a lower affordable monthly payment. I received a package in the mail on approximately XX/XX/2023 with agreement and terms of the new payment however the documents have a date of XX/XX/XXXX and Dovenmuehle is asking for a payment of {$6000.00} for XXXX & XXXX and once received my new payment will be {$2900.00}. This payment must be received in their office by XX/XX/XXXX and must signed by a notary public in order for the new terms to be accepted. I believe l was blindsided by this and was not made aware of this type of payment which doubled and l dont have. I made several attempts to speak the specialist in their loss mitigations department but have been told they dont speak with any homeowners and the terms are not kept, they will move forward with foreclosing on my home. This is not how a mortgage company should operate and this wrong. Im respectfully asking for CFPB to assist me with this matter in hopes of stopping my home from foreclosure.