davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harris & Harris, Ltd. (DC)

XX/XX/2022, I was peacefully on my way home from dropping my XXXX  to XXXX 

I saw a cyclist pulled over on the side of the road by the XXXX XXXX XXXXXXXX XXXX ( who then later pulls me over citing me the later expressed tickets ), her face was red and she was crying. I inquired if she was alright and she shook her head yes. So then I proceeded about my day. 

I then ended up at a red light, literally a block from where the cyclist had been pulled over. The same officer that pulled the above cyclist over was now on my left side facing oncoming traffic, in the oncoming traffic lane. 

I proceeded through the greenlight, he then followed me and turned on his lights and pulled me over in front of XXXX XXXX XXXXXXXX, I then took my seatbelt off to emotionally prepare myself for the encounter. 

He walked up to the vehicle I was operating and asked for my drivers license, I then inquired his reasoning for pulling me over, he disregarded my inquiry and proceeded to ask for my drivers license again, and I offered my drivers license number because I was afraid to move any further because he was very hostile and aggressive. 

I shared with him that I was borrowing the vehicle I was operating from a relative to earn some funds and that it was a rental and I did not have the additional information he was requesting from me on me at the moment. 

He threatened to arrest me and take me to jail for not providing him with the addition information I could not share at that moment. 

He then proceeded to stick his hand inside of the window and forcefully open the door, so I gently pulled the door back closed and locked the doors, fearing he'd XXXX XXXX XXXX  perform further harmful acts. 

I was successfully able to obtain my drivers license and hand it over to him, he snatches it away and walks off to his vehicle and comes back with a list of things he had assigned to my name. 

DATE FOR VIOLATIONS : XX/XX/2022 VIOLATIONS : XXXX ) SEATBELT REGULATION XXXX TIME : XXXX XXXX 
AMOUNT : {$120.00} XXXX ) FAILURE TO DISPLAY INSURANCE XXXX TIME : XXXX XXXX 
AMOUNT : {$72.00} XXXX ) FAILURE TO EXIBIT XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$120.00} XXXX ) OPER. XXXX. VEHICLE XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$1200.00} XXXX ) FAILURE TO OBEY XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
AMOUNT : {$120.00} LOCATION OF VIOLATIONS : XXXX XXXX XXXX XXXX XXXX XXXX I had not been able to pay the collections ( XXXX XXXX XXXX/HARRIS AND HARRIS ) and am still unable to pay the alleged debt purchased by collections agency because of the lack of income I do not have, I can not pay a debt with debt ( federal reserve notes ), the collection agency purchased the debt already leaving me free of moral obligation to pay it. I never signed a contract with the aforementioned third party debt collectors either to handle any of my affairs.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 items : 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$510.00} ; LA XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXXXXXX XXXX  Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-09-02
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. (MD)

I obtained a copy of my credit report from Experian, XXXX, and XXXX. I noticed alot of unfamiliar and conflicting information. i disputed all the information and requested verication of the account and documents with my signature attached. After the investigation the bureaus deem the information valid but did not provide verication of any sort. I then receive denial notifcations from potential investors that had the account information attached and described as risky behavior.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I woke up this morning to my credit score on Equifax being dropped by XXXX points when I clicked the notification bell to see what changed and I seen that in between XXXX all of the XXXX account balances increased and in between XXXX they took my deferments away. I called and the nelnet rep is stating that she doesnt know what went wrong. She sees my forbearance letter along with the deferments. Im writing in to get this matter resolved asap. I enrolled in my forbearance and idr in XXXX.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX 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 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I've reported fraud of my account on XX/XX/XXXX. Advise them it was a scam. They did an investigation and charged a fee for the reversal and the credit. They determined that it was authorized and will not do any further investigation when I reported that they were pretending to be a US government agency.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 2024-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MN)

The Bank Provided the information I filled it out and they have been giving me the grand run a round sense. Wells Fargo bank stole my truck by repossision and niw they say they dont have any records anymore they threw them away. They never should have been allowed to handle the paying back of money we were robbed of. They gave me XXXX and I was out XXXX and had to file bankruptcy and they have not even fixed my credit as they said they would.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (MA)

I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : Diversified Adjustme When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$1000.00}
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Core Capital Lending LLC (TX)

On XXXX some XXXX XXXX XXXX of core capital lending XXXX XXXX and XXXXask me for money upfront XXXX to start the process and deposit on his account..he said thats the only way he can started the processon ( RESPA ) lines prohibits person from paying or accepting money or other bribes whit the understanding that they will receive business in return..plesase contact me if you need extra information XXXX
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (VA)

Starting on XX/XX/2023, to present I have not been able to log into my credit card account with Barclaycardus. I've gone through the verification process several times, then changed my password as instructed but the new password never works. I called three times to get customer support to help with no avail or resolution. The call center is outsourced to the XXXX making communication difficult here in the United States. When I explain the situation, they have me repeat the verification process that I tried on my own and the same problem happens with no resolution on their end. There is currently no way I can monitor my account when I can't log into it. Whenever I change my password, it says that I have successfully changed it. Then, below that message it states. " OPPS! sorry for the inconvenience but your request could not be processed, please try again ''. Obviously, the problem is an IT issue, and they don't know how to correct it or resolve my problem. When you speak with one person, they then hand you over to someone else to speak to with the same result.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (GA)

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 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 2023-07-27
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. (NC)

In XXXXXXXX XXXX XXXX, I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX bank opened on XXXXXXXX XXXX XXXX I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
Consumer complaint received 2023-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (TN)

I bought a car though this company 4 years ago. In XXXX I received a call from a debt collector name westlake portfolio stating the were trying to collect a debt. I dont owe this company anything and never heard of them. They told me my car company went out of business and filed bankruptcy and theyre taking over my contract but Ive never heard this and they call my phone at least 50 times a day demanding money from me. My car loan say pain in full, XXXX balance owed on my credit report feom XXXX. West lake portfolio is not on either 3 credit reports. I was never notified that XXXX even went out of business and they still say to pay them. I believe this is fraudulent. Can you please tell me something. Im tired of being harassed by westlake portfolio.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO Bank, N.A. (NV)

I made timely claims to Bank of the West and Bank of Montreal dating back to XXXX of XXXX for money taken from my secured credit card before, during and after their merger. On XX/XX/, a representative named XXXX seemed to understand the fraud that happened to me and went as far back as she could to resubmit the claims I had submitted dating back to XX/XX/. While my cards were used, and possibly duplicated, many of my accounts were hacked and my identity appears to have been stolen. XXXX, submitted these claims after she reviewed them for three days. When she resubmitted the claims she also gave me an immediate provisional credit and unfroze my access to remove the cash from my secured card whereby they were holding $ XXXX of my money against. I had been trying to close the account and remove the cash I had in it because Bank of Montreal and XXXX XXXX XXXX XXXX had mishandled my fraud disputes on both my debit and credit cards for months, dating back to XXXX XXXXbut the bankers at the XXXX branch in XXXX XXXX told me they didnt know how to close my account and forced me to keep it open. I requested that my cash advance fees and interest on cash advances be reversed on or about XX/XX/. The woman told me she reversed this and instead of reversing it, she double charged me. On XX/XX/XXXX, a woman from the credit card department named XXXX contacted me and told me she wanted to go thru the list of claims for the life of the account and consolidate my claims and resubmit them to be investigated. While this was unexpected, she still wanted to do this right then. She refused to look at the fees and other charges. She grew impatient and said she would call me at XXXX on Monday, XX/XX/. She did not contact me whatsoever as scheduled and she did not give me a number to call her. On Tuesday XX/XX/ she called and wanted to proceed. She took all the items that I thought should be in the claims, even though they should have already had all the information. She ended with asking me specific questions about my cards being stolen. She would not entertain any of the other reasons some of the items were claimed and forced the reason of the cards being stolen to apply to every dispute which is not accurate and further makes me distrust this bank. She would not give me a new claim number and she did not provide me with any provisional credits, no fees reversed, and did not address my concerns regarding the time frames that have passed whereby an investigation should have already been completed.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TX)

I have an account with XXXX and became ill and went out and had XXXX and was off my job so I opened up a safe line account protection claim ( XXXX XXXX # XXXX ) this protection plan is supposed to take care of payments and put your account on pause while youre out, ill and needing the services.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (ME)

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 XX/XX/XXXX
Consumer complaint received 2023-05-05
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please remove.
Consumer complaint received 2023-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

in XX/XX/XXXX I submitted a Consumer Complaint asking for a Complete investigation on 4 Accounts on my Credit profile from XXXX, I sent in the introduction letter along with my identification copies explaining in details how these accounts are not legally supose to be on my Consumer Credit Profile due to inaccuracies and possible fraud and explaining the Laws they have concerning posting wronngful information, Not having Consent, inaccurate information and other reasons. 

I haven't heard anything back from them since XX/XX/XXXX of last year so I sent out another set of complete information asking for a investigation on the same four accounts This year XX/XX/XXXX since I sent the Certified Letter that I have proof of with this letter.
Consumer complaint received 2023-05-05
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I called Bank of America ( BOA ) to have my PMI dropped on XX/XX/XXXX. They told me my PMI would automatically drop when I was below 80 % LTV. My account is auto drafted. I have never missed a payment. I have financed 4 homes via BOA. ( NEVER AGAIN ) I opened a paper statement in XX/XX/XXXX, flipped the bill over, and notice I am STILL being charged PMI. I call XX/XX/XXXX to ask why. BOA tells me I have to pay {$520.00} for a re-appraisal. I tell BOA, per the Home Owner Protection act, my PMI should have been removed in ~XX/XX/XXXX. BOA tells me the ONLY way to get my PMI dropped is to have the appraisal. I send in {$520.00} for the appraisal. BOA mails me a {$520.00} back and says I do not need an appraisal. They drop my PMI. I would like to recoup the ~ {$1700.00} that BOA charged me in PMI payments that I did not owe from XX/XX/XXXX until XX/XX/XXXX at {$92.00} per month. The Homeowner Protection Act is in place because customers have NOTORIOUSLY had difficultly getting their PMI dropped. After trying to work with BOA on Request ID XXXX and Case XXXX, I am reaching out to the CFPB for assistance in recovering payments that I did not owe BOA.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-15
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX company was made aware that my id was stolen and I provided them with a affidavit and police report showing the theft to open up this fraudulent account in my name and the sold it to the Debt buying company and this is illegal I didn't give XXXX authorization to share my personal information with any one and my identity has already been stolen now XXXX  is sharing my information with someone that I didn't give them permission to share any of my info