davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

KOHLS, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( KOHLS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( KOHLS ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. KOHLS, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from KOHLS, for the cancelled debt of { { {$640.00} } } in order to file as ordinary income. Where is my 1099-C? KOHLS is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! KOHLS has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In KOHLS terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of KOHLS nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : EASTERN ACCOUNT SYST Original creditor : XXXX  Balance details 0 % paid off Balance {$270.00} Balance updated - Original balance {$270.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XXXX XXXX ontact info Name EASTERN ACCOUNT SYST Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-10-26
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. (NJ)

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (OH)

Credit reporting act the list of accounts below has violated my federally protected consuer eights to privacy and confidenitality stated on credit laws anything on my credit report should be concent by me only should given any eport with out my permission
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I was told coinbase as ways you can stake your funds and collect interests. 

When I went into the coinbase wallet I was given a link That brought me to this company that I thought was part of Coinbase because the scammers told me they were and I was in the coinbase wallet so it made sense XXXX XXXX XXXX XXXX XXXX I invested about {$470000.00} All to find out later it was fake because somebody help me see that it wasn't going into my wallet. I was trying to buy USDC and convert my ethereum to it. 

I had asked the company if they were a scam a few times and they didn't tell me. 

I then ask them to make sure no more crypto is sold to this company. They gave me a complicated way to check and then said they can't stop any sold crypto. 

Why would they allow this company to link to their wallet? XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

The student loan company placed me in school deferment. I called them and told them that I did not give them permission to grant me in school deferment, and to place my account back where it was because I had already made payments through XXXX 2024. They then said they needed to send me a form to sign so that way they can put my account back as it was prior to them placing it in school deferment I went signed the form uploaded it and sent it back. They placed me back and repayments status but they dont have the payments that was paid through XXXX 2024, therefore now theyre sure that my account is delinquent I called them. They assured me that my account was still being worked done, and that that was gon na be done. However, Im starting to get messages that my account is delinquent. I have left the messages on their portal. I have tried to call them and I am not getting any results or any progress, I need them to restore my account with my advance payments that I had thru XXXX 2024 2024
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (TN)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

1. On XX/XX/year> morning I wanted to make a transfer, but I couldn't gain access into my app. Tried in the afternoon, same thing. Couple of hours later I tried via my laptop browser, same issue. I assumed it was a network issue. Moments later, I received a notification from XXXX XXXX, stating that my WellsFargo App has been disconnected from XXXX. 

2. I feared my account had been hacked and I promptly called WellsFargo customer service. 

3. After much transfers, I finally spoke with a XXXX in Loss Prevention unit. He said they decided to terminate the banking relationship due to suspicious activities on my account which they deem risky. So, they decided to shut my account and will on XX/XX/year> send me a check for any balance therein. 

4. I asked for specifics. He said they observed that the account routinely received XXXX payments which I used up almost as soon as it hits my account. 

5. I asked if there's any rule that stipulates how long funds should stay in my checking account before being used. He said there's none, but they considered my activities suspicious, and risky to their operations. 

6. I asked if they : A. Deemed it fit to seek explanation from me about their observation. 
B. Realize that over 95 % of those XXXX transfers were made from my personal salary account with another bank. 
C. Deemed it necessary to notify me in advance, about their decision to shut my account, or indeed, notify me after it had been shut. 

7. To each of these 3 questions, his curt response was : " That's no longer relevant at this point, we have decided to terminate the banking relationship ''. 

8. I then said fair enough, you can choose who to do business with. However, you can not ( without a court order ) hold on to my funds for 2 weeks under any guise. 

9. He responded : " I'm not going to entertain any argument with you on this, the decision has been made ''.

10. I said okay, asked for his name, and thanked him for his time.
Consumer complaint received 2024-04-03
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. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items 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 report agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (NC)

XX/XX/XXXX XXXX, North Carolina Dear CFPB I need your assistance. 

My rental Mortgage is with the XXXX XXXX XXXX. It is a Conventional Loan with Escrows. 
My Hazzard Insurance Company is XXXX XXXX. 
It came to my attention that my Hazard Insurance was not renewed on time in XX/XX/XXXX due to the fact that my insurance company didnt receive payment from XXXX XXXX XXXX form escrow account. 
XXXX XXXX XXXX charged me {$36.00} for a forced insurance. 
I dont think it is fair that I have to pay for their negligence. 
Please help me! 

Summary : In XXXX, XXXX I received a letter from XXXX XXXX XXXX date XX/XX/XXXX, XXXXin reference to the Hazzard Insurance for my rental property located in XXXX XXXX XXXX XXXX, NC XXXX. 
This is a Conventional First Mortgage with Escrow. 
The letter Exhibit A informed that their records show the hazard insurance has expired, and we do not have evidence that I have obtained new coverage. 

On XX/XX/XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, he transferred me to the Insurance Department. The Insurance department said the issue was for a gap period of XX/XX/XXXX to XX/XX/XXXX and they needed a proof that the house was insured for that period. 

On XX/XX/XXXX I called my insurance Agent XXXX XXXX ; he did research and called back informing that in fact it was a gap of insurance from XX/XX/XXXX to XX/XX/XXXX because they didnt received payment on time for the renewal. 

On XX/XX/XXXX at XXXX I called my Lender XXXX XXXX XXXX XXXX XXXX and spoke with XXXX He replied they sent the check but it was returned, so they sent a second check. 
And he will call my insurance agent to do a follow up. 

On XX/XX/XXXX at XXXX I called and spoke with XXXX and said their resolution still the same, it was an insurance gap and for this they will move forward charging me {$36.00} for a force insurance. 
I said, my mortgage is escrowed and I shouldnt be paying for a forced insurance if your company sent the check to wrong address and or without sufficient time to discover errors. I ask for a proof they sent the payment on time. 
Their reply was, we will move forward with the charge of {$36.00} if you cant provide a proof that the property was insured during that period. 

In XXXX I received a letter dated XX/XX/XXXX Exhibit B Saying they cancelled the Insurance Coverage we ordered from XX/XX/XXXX to XX/XX/XXXX and a charge of {$36.00} was imposed. 
It is ridiculous that they even can purchase an insurance for an event in the past! 


XX/XX/XXXX I received a letter dated XX/XX/XXXX informing the {$36.00} was deducted from my escrow account Exhibit B Please I need someone to help me. This is not fair and I feel this is an abuse. 
Thanking you in advance for your time and assistance, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had applied for a capital one savor card to use the no interest promotion to make a purchase. The promo period was still running but I was charged interest last month. I called and after some time on the phone resolved with them just crediting the interest and I would pay the balance in full. This month I notice that I am being charged {$13.00} in interest when I have a {$0.00} balance. I did not use the card at all after making the payment in full as part of the agreement we made. I called today, XX/XX/XXXX to try and resolve this and they tell me they can not as I did not pay the full balance due. I explained to a representative and a supervisor the agreement we had and they said the same information. I informed them I could not pay more than what was owed on the account so the interest charge did not make sense as I had no balance.
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo Bank continues to keep my life in financial ruin and my mom has been allowed to have total control over my credit report and my mom has been falsifying probate court documents for the obvious gain to keep opening fraudulent loans for which I have to be responsible for. Well over {$5.00} XXXX if you include the closed Treasury account and my us savings bonds and my federal direct student loan and unemployment insurance.
Consumer complaint received 2024-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am XXXX XXXX, I am submitting this complaint for XXXX. No XXXX XXXX  is involved. Unknown account appears suspicious. XXXX XXXX stole my identity. I never gave XXXX XXXX permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over XXXX XXXX.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

This account has reported late when it has never been late and it is affecting my credit score. This score needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. 
This is the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (LA)

Hello, here is the email that they sent and this has already being disputed to identity theft. They are harressment with more XXXX. XXXX knows that I'm faithful and don't need this XXXX. 


McCarthy, Burgess & Wolff , Inc. ( MBW ) is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Our office hours are Monday through Thursday XXXXXX/XX/XXXXto XXXXXX/XX/XXXXXXXX and Friday XXXXXX/XX/XXXXto XXXXXX/XX/XXXXEST. 


Our information shows : XXXX XXXX referred account number XXXX to our office for collections. 
MBWs internal reference number for this matter is XXXX. 


The balance as of XX/XX/2023, was : {$1800.00} Since XX/XX/2023 until today : Interest, Fees, Costs : {$.00} Payments Made : {$.00} Credits/Adjustments Assessed : {$.00} Total amount of the debt today : {$1800.00} NOTICE : PLEASE SEE BELOW FOR IMPORTANT CONSUMER RIGHTS INFORMATION. 

Regards XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PR)

writing to request that I not place any additional information on my credit report. My intention in writing this letter is to preserve the privacy and integrity of my credit history. Understanding that in certain circumstances, financial institutions and other entities may require access to my credit report to evaluate my creditworthiness. However, at this time, I do not want any additional information to be placed on my credit report.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My report obtained on XXXX through XXXX shows account abuse reported by Bank of Americ on XXXX I did not engage in account abuse, the allegation is incorrect. I called XXXX to dispute and was informed their dispute process is determined by the financial institution and if Bank of America interprets account activity as abuse, even if it does so inaccurately, they will continue to leave it on my report. I spoke with many people at Bank of America in various departments such as fraud, recovery and the risc department and they all informed me that they will not accept disputes for information they report to XXXX.
Consumer complaint received 2024-01-19
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: OneMain Finance Corporation (NY)

One Main Financial has my Dad 's social security number. They have said on the phone and accused me of giving them the wrong social security number and they are refusing to take ownership on their mistake, stating that they verify everything, yet somehow this social security number was linked with my birthday. This should not have happened. I spoke with their supervisor about this and my struggle to maintain payments and he recommended to file bankruptcy, as well as said that the issue with my Dad 's SS would be resolved. 

Since then I have continued to receive over 7 calls a week from One Main Financial, which is harassment per the law, and was advised by a bankruptcy lawyer to tell my creditors I was filing. ( I have not filed yet ). On the phone I was threatened by someone else named XXXX, after I advised them of this, who stated that they would garnish my wages and also accused me of lying about not giving them my Dad 's social and lying about the manager advising to file for bankruptcy. It was also suggested by them that bankruptcy would impede their removal of my Dad 's social security number from the loan. 

They are continuing to call me multiple times per week, around 9 times a week under different numbers. I would like them entirely abolished from my credit report. They have too much information mixed up and can not be trusted.