davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 three fraudulent transfers were made from my Bank of America accounts two from the checking account and one from the savings account through a service did not know about or ever used. Contacted the fraud department claim XXXX and made the police report Case XXXX. After days of running back and forth trying to do what they requested they denied the claim as they said the transfer was made from my device. I am not sure how it happened, but I told them I did not do or authorize the transfers. For decades been a customer but it did not matter, I have no way to prove it but those transfers were fraudulent. The burden of proof is on the victim not who committed the crime. The victims specially the elderly are being victimized losings all their funds. BOA is not only not protecting the consumer but also by putting the burden of proof on the victim.
Consumer complaint received 2023-04-21
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: BMW Financial Services NA, LLC (CA)

This account was transferred to another lender so the balance should be $ XXXXBMW FINANCIAL SERVICES claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1000.00}. APR is 654.12 % with a total finance charge of {$2400.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/2018. Most recent payment made was XX/XX/2018 and the last payment is scheduled for XX/XX/2018. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that Amplify Funding can legally still collect in Florida since they are governed by a Tribal Lending Authority in another state. Loan agreement is attached.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (MI)

Received an email today from someone/company XXXX XXXX saying a credit card application with them had been received. 
I did NOT apply for any credit. 

I called their tel number, XXXX and their voice prompts kept asking for the last 4 digits of my Social Security number! I think this was a scam to get me to divulge! 

I can forward the original email from them to you right away. 

There have been other recent attempts to open other credit accounts, so I think I am a victim of ID Fraud. 

Please help if you can. 

XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I have had some issues with someone using my information to apply for accounts in my name. I have had issues in the past with my information being compromised I am trying to do my best to protect the integrity of my credit file. The following inquiries and not mines and were never authorized by me or my signature. I have filed a dispute letter and never received a response back from the following companies : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None of these inquiries were authorized by me and I do not have an account with any of these companies.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (NY)

I need this thing that is not mine to be eliminated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I the consumer and natural person was denied credit by Bank of America when I applied for a business loan. 
Adverse action against a consumer is against the law according to the equal credit opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

The Bank of America is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Bank of America due to the response that I received. The employee of Bank of America stated my business had not been open for the proper amount of time which my business has been open for well over a year actually 3 years now. Bank of America is in violation of 15 USC 1642 USC 1681 m and 12 CFR 1002 because either consumer made an application in good faith but credit was not issued. In good faith means good intentions when you have good intentions that makes you a credit worthy applicant. 12 CFR1002. 7 - rules concerning extension of credit ; creditor shall not refuse to grant an individual account to a credit worthy applicant. 
Furthermore because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity unauthorized use of credit card on behalf of Bank of America. 
If Bank of America fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card AKA social security number I will indeed make Bank of America criminally and civilly liable for all actual damages pursuant to 15 USC 1681 n and 15 USC 1681 o. I will also follow up with an invoice for said violations of {$1000.00} per violation. 15 USC 1681M if any person takes any adverse action with respect to any consumer that is based in whole or in part of any information contained in a consumer report the person shall provide oral written or electronic notice of the adverse action to the consumer. I would like your assistance and resolving this matter That's why I'm reaching out to the CFPB today. 

Thank you Sign XXXX XXXX agent beneficiary Without prejudice All natural inalienable rights reserved. 


Referencing sales and goods Act The deception practices act The registration act Truth and lending Act
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NAVY FEDERAL CREDIT UNION (TX)

I don't have all the dates. I lost a lot of information due to my identity being stolen. Navy federal didn't inform me that my car would be repossessed let alone that my account was delinquent. I received no notice of the actions taken against me.
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (TX)

I got a phone call from my brother stating Atlantic Recovery Solution was trying to contact me. I called the number he was provided ( XXXX ) XXXX, When calling the agency I was transfer a gentlemen named XXXX XXXX came on the phone asking if I was XXXX XXXX. Advised yes he asked to verify the last four of my social, I asked who the company was and the client they where representing. The associate XXXX XXXX advised I would need to verify first, I advised I did not feel comfortable giving out personal information over the phone. He advised it didn't matter cause he has all my personal information and read my complete social security number over the phone and asked now can you please verify. I advised that was a violation of my secured information to be reading my full social security out over a non secured phone line without even knowing who I am. XXXX advised he could give out any of my information he chose. I asked to speak with a supervisor. Was transferred to XXXX XXXX, XXXX advised he would look into the matter further. This phone call happened on XX/XX/2018 at XXXX XXXX time. 

This was a huge violation of my personal information and I feel I am now at risk having a company with my information willing to give out any of personal data to whoever they please I also have the recorded phone call of this incident
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

After repeatedly being ignored, by all 3 credit reporting agencies, I have no other choice but to escalate this issue. I have sent letters certified and regular, I have made numerous phone calls, and have been stonewalled every step of the way. These companies give me instructions on how to resolve the issue and they don't follow their own protocol. 

I was told to call the creditors- I did that and the creditors tell me to handle it with the Agencies I was told to send in letters certified - The agencies tell me they never received the mail even though I see the parcels have been delivered. 

I call the agencies to follow up - and I get put on hold and wait for them to tell me that My cases were never opened and letters were never received and to send it all over again repeating all of the hard work I've already done multiple times. 

I have multiple late payments that are not accurate seeing as I have all of my accounts on autopay and always have a balance in my bank account. 


Account - XXXX XXXX XXXX XXXX  Delinquent Payments - XXXX & XXXX of XXXX Account - XXXX XXXX XXXX  Delinquent Payments - XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Thaxton Investment Corporation (TN)

Heights Financial Services Subject : Request for Removal of Predatory Loan from Credit Report I am writing to formally request the removal of a predatory loan from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ). 
I was a customer of Heights Financial Services and have recently been notified that I am a litigant in a class action lawsuit against your company for predatory lending practices. As part of this lawsuit, it has come to my attention that the loan provided to me was issued under terms that violate the FCRA. 
Details of the loan are as follows : - Loan Number : Partial Account Number XXXX - Date of Loan : XX/XX/year> - Amount : {$5000.00} Given these circumstances, I am requesting the immediate removal of this loan from my credit report. This loan has adversely affected my credit score and financial standing, and its presence on my credit report is unjust. 
Please confirm in writing that you have received this request and that the loan will be removed from my credit report promptly. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It ha

s been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are i n VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (TX)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Consumer complaint received 2024-06-08
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)

I want to report identity theft and would like all these items on this theft report to be remove from my credit report. According to FCRA 605B ( 15 U.S.C. 1681 c-2 ) Did not authorize these merchants to pull my credit XXXX  XXXX XXXX on XXXX, XXXXXXXX XXXX  XXXX please remove from Equifax file thank you
Consumer complaint received 2024-07-05
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. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have asked that they provide the purchase agreement to show full ownership of such amount and other documents so I can review to see if this account belongs to me but they fail to do so.
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OR)

Previous request was closed showing as a duplicate request IN ERROR. 

DO NOT CLOSE THIS COMPLAINT. 
THIS IS NOT A DUPLICATE REQUEST AND NEEDS TO REMAIN OPEN UNTIL RESOLVED. 

Loan with Great lakes was PAID IN FULL 11 years ago, was transferred in error to Nelnet XX/XX/year> as showing owed. Now they won't leave us alone! 

Issue with Nelnet is separate issue! 

Great lakes was to rescind transfer of paid in full balance and provide letter of rescission. 

Showed paid in full 11 years ago, recent information received shows paid in full in XX/XX/year>. 

How can a paid in full balance be transferred to a different company as owed?!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

Between XXXX was in regular contact regarding the inability to pay on my loan through the website. 

Last email we sent in XXXX explained again we were laid off and our home went into foreclosure for the third time. 

Never received a response. 

Next time went to review the status, it stated in plain terms PAID IN FULL. 

No further communications, letters email have been received. 

11 years later, XX/XX/XXXX after massive data dump of erroneous information on equfax and XXXX, showed numberous balances owed for this loan. 

Now the credit bureaus are showing TRANSFERRED which is VERY different from 11 years ago, XXXX. The website/account was altered without our knowledge or any communications. 

There have been many complaints placed through the CFPB as I've about this happening. 

Now XXXX is reporting as owed for this loan that is now showing TRANSFERRED not PAID IN FULL as it showed in XXXX. 

Someone altered the account and changed it from PAID IN FULL to transfered which is fraud.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 2023-06-19
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. (NC)

I recently received a copy of my credit report and found that the companies below are illegally reporting inaccurate, noncompliant, and false information about me. 

Account name : XXXX XXXX XXXX XXXX, XXXX Account Number, XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX. Account number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX . Account Number : XXXX Account Name : CHILD SUPPORT XXXX XXXX. Account Number : XXXX the above-listed companies have violated my rights. i have no contracts with the following nor have I entered into an agreement with these entities. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

I request these accounts be removed from my consumer report, 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. 

Account name : XXXX XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 

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 an 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 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.