davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (CA)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

Dear CFPB Officers : Thank you for your attention to my complaint. 

I experienced a theft ( by unlaw taking ) on the evening ( around XXXX XXXX  ) of XX/XX/2023. Two men approached me and asked me to donate {$1.00} via XXXX. After I pulled up the XXXX transfer page in the Citibank mobile app, they took my phone and fled away. They made an unauthorized transfer ( around XXXX XXXX  ) in the amount of {$2500.00} via XXXX in the Citibank mobile app. I reported this to the police immediately. See attached supporting documents for proofs and details. 

I immediately contacted Citibank to report this unauthorized transfer within one hour ( XXXX XXXX XXXX XXXX XXXX of XX/XX/2023 ) after I learned of the unauthorized transfer. Based on Chapter X of Title 12 of the United States Code of Federal Regulations ( CFR ), Part 1005, 1005.6 : " If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution '', my money more than {$50.00} should be refunded. The police also told me so.

When I contacted Citibank ( at that time, the transaction was still pending ), they told me they would start an investigation for this. After around a week, they told me they found the transaction " normal '' and denied my request. I explained the situation and provided information to them again, both by call and in person at the branches. As instructed, I sent my police report by fax ( see proofs in the attached documents ) to them as supporting documents. I also sent them my stolen phone information and many fraud alerts I received after the theft happened as additional supporting documents. I opened two more inquiries for this. However, they just ignored everything I sent them, claimed they completed the ( additional ) " investigation '' and maintained their position ( see their letters in the attached documents ). They neither asked me for more information nor commented on my case.

To resolve this case, I made a lot of effort to collect the documents they needed, called them tons of times, and went to the branches many times for help. It has cost me very much time in the past two months to handle this, and also various fees involved. I tried to fix this problem with Citibank, but they just made me more frustrated. Thus, I decided to turn to CFPB and hope you can help me with obtaining a fair resolution to this.

Thank you for your time and help. I really appreciate it.
Consumer complaint received 2023-03-12
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: CAINE & WEINER COMPANY, INC. (NC)

XXXX XX/XX/XXXX {$550.00} Dispute was filed. 
XXXX XXXX XX/XX/XXXX {$1900.00} no action XXXX XXXX XX/XX/XXXX {$7400.00} Dispute was filed. 
XXXX XXXX ' XX/XX/XXXX {$150.00} Dispute was filed. 
XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX {$710.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX no action. 

In accordance with the fair credit reporting act, these companies have violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 



..
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is reporting a charge off on my consumer report. Per title 12 a charge off should be reported as income and I should received notification and a copy of the 1099C. Per 15 USC 1681e ( b ) the company error is causing an inaccurate consumer report. Capital One is in violation of 15 USC 1611 ( 1 ) by willfully and knowingly failing to provide information that was required to be disclosed by Capital One. This one violation is a {$5000.00} fine. 
The letter was sent certified mail : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

According to my PSLF and TEPSLF information that Mohela has, I was a Deputy District Attorney in XXXX XXXX, California from XX/XX/XXXX to XX/XX/XXXX. All monthly payments were made. Mohela is only counting back to XX/XX/XXXX and refuses to apply the previous decade of service. I have called them approximately 10 times over the past year. Ive been told its a system error, that they are still counting, and that I dont qualify with ZERO explanation. I have tried to write in a complaint to them but the webpage then directs you to call them. I have received form emails that explain nothing. I have recovered form emails saying that my problem is unique and I should call them. All emails to them result in form emails back. No one is helping. 

They list payments as qualifying only back to XX/XX/XXXX and do not apply the first decade of my service. There are no listed ineligible payments and they claim ALL eligible payments have been applied. They have my forms where the County signed off that I was, in fact, in public service for roughly 17 years. 

I have tried everything and they will not help. I appreciate you reading this and doing what you can. This should be a no-brainer as I am WAY over the 10 year requirement.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I mailed roughly XXXX company checks at the local post office in XXXX XXXX, LA on XX/XX/2023 and none of them made it to their intended destination. However XXXX of these checks were cashed for a total of {$260000.00} with a different name/address written on the checks than the original checks. On XX/XX/2023 I got calls from vendors asking about nonpayment. I then looked at the bank records and saw that their checks cleared but after pulling up the image of the checks, I noticed that they were not my checks and had different reciepiant names/address on them. I bank with Capital One and I immediately called them to report the fraud. They opened an internal fraud case and provided me with a case number. I called back several days later and Capital One told me that their fraud team has sent the fraud information to XXXX XXXX, the bank that cashed the checks, and have requested the money be returned to me. Capital One also told me that they have all the information and if they needed anything else that they would call me but that there was no reason to keep calling them because they have told me all they can tell me. They will not tell me the the location of the XXXX XXXX, why these funds were immediately cashed and not put on hold, why their AI wasn't used to see that these were not my checks ( different routing number, different boarders, different wording on the front and back ), or how they didn't catch that my signature was traced because all three signatures are the exact same. Also they could not tell me how this was my fault. I have called back several times, about once a week, and they keep telling me the same thing, that they are waiting on XXXX XXXX  to refund the money and that there is nothing else they can tell me. It is now 30 days since Capital One has opened the fraud case and I have still not been refunded the money. I tried calling the local police but they told me that because the checks were stolen from the XXXX XXXX that it is a federal issue and to call the XXXX XXXX. I called the XXXX XXXX and opened a case with them, however they have told me the same thing as Capital One in that they have all the information and there was no reason to keep calling them. If their fraud team needed more information, they would call me. 
Capital One acknowledges this is fraud and it is obvious the banks failed to do their job to verify the checks but yet they are penalizing me by not refunding me the money. I run a small business and this is really effecting my ability to pay vendors and make payroll.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX Left negative remarks on my credit reporting. On the remark they left " Payment after charge off/ collection settled- less than full balance. 

I need XXXX to delete the negative remark on my credit reporting it is inaccurate.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc. (WA)

In XX/XX/XXXX I hired XXXX XXXX XXXX, XXXX to mow my lawn twice a week for the summer for a total of XXXX per month. I received a bill in XX/XX/XXXX for XXXX which I paid. Then in XX/XX/XXXX I received a bill for XXXX and I called the company and told them that I had agreed to twice a month for a total of XXXX and they were charging me for mowing my lawn three weeks in a row which I did not approve. Then another bill in XX/XX/XXXX for XXXX for the same weekly mowing 's that I did not request. I paid for the biweekly mowing 's but disputed the additional mowing 's. The company then turned my account over to XXXX XXXX. XXXX XXXX did not initially notify me of the debt but instead sent a letter to my ex-husband and put the negative information on his credit report. He filed a dispute because he knew nothing about hiring XXXX XXXX XXXX. Once XXXX XXXX realized their mistake they reported the negative information to my credit report. The initial balance was XXXX and they keep raising it, now my credit report shows an outstanding balance of XXXX. I have talked to XXXX XXXX several times initially telling them it was not my debt because I never agreed to weekly mowing 's, only biweekly mowing 's but they said I still owed since the company did the work. I did not sign the contract and it was a verbal biweekly agreement that wasn't honored by XXXX XXXX XXXX. I would like the debt removed and for XXXX XXXX for remove all their information from all three of my credit reports.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I summited disputes for Equifax and received dispute results XX/XX/XXXX, and I summited for XXXX and received results back on XX/XX/XXXX, XXXX I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My credit score stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (TX)

My consumer rights have been violated. Pursuant to 15 USC 1681b I never gave consent. 
They are reporting fraudulently and pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 the information needs to be removed and blocked. I have previously disputed these items errors and by reporting them my rights are being violated pursuant to 15 USC 1681s-2a1a reporting information with known errors. 
By allowing these errors they also are violating my rights pursuant to 15 USC 1681eb for maximum accuracy.
Consumer complaint received 2023-07-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (KS)

I got the title loan in XXXX the car was registered to me and the title was in my name they repossessed the car sent it to the insurance and then brought it back and in court relinquished the car to XXXX  XXXX XXXX I was never given the option to retrieve the car nor was I informed that it was being repossessed. they are trying to charge me the full amount of the loan but can not return the collateral that was put up for it. they will not discuss anything with me because the manager that went to court has since been fired along with another manager for basically doing whatever they wanted. titlemaxs  legal department did not appear in court the manager did.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts that were opened as a result of identity theft and are reporting to my consumer file. There is also incorrect information that does not belong to me being reported, such as names, addresses, phone numbers and employment. My information was compromised and used without my permission. I have brought this to the attention of XXXX, Transunion and XXXX and submitted my ID Theft report along with proof of identity, however they are still reporting accounts and information that does not belong to me.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer 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 Collection Convergent outsourcing 15 U.S.C 1681 section 602 A. States I have 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 2024-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (IL)

I have been trying to close my aunts checking account since her death in XX/XX/2023. Her account is with Wells Fargo in XXXX Minnesota. I live in XXXX Illinois. I am her POA and her only heir. I went to a Wells Fargo bank in a XXXX suburb but was told I would have to make an appointment, they do not honor walk-ins. I then called and made an appointment With a Wells Fargo bank in XXXX Illinois, closer to my home. I arrived for my appointment 15 minutes early. After waiting an hour past my appointment time I asked when I would see someone. I was then directed to a woman who said she was not a branch manager and they were short staffed but she would help me get all the forms in. I provided her with a copy of my aunts death certificate, a copy of her POA which listed me and my ID. She took everything and put it into a file and gave me a Wells Fargo form to close out the account of a deceased person and a copy of the Illinois Affidavit for Estate Collections. She told me that usually I could fill these forms in and add them to the other documents. However they needed to be notarized and they had no notary there that day. So she told me to get them notarized and mail them to the branch manager, which I did. She also gave me his card with his number on it. She told me she put in the notes to let him know to expect my documents and then to, call me. She told me I could also call him. After 3 weeks when I had not heard anything I called his number from the card. The recording said that his number was not set up to leave messages. I then called the 800 number for the deceased account department. I spent an hour going over everything including my dissatisfaction with another person. She assured me she would email more forms that I could then return by email using their encrypted system. I never received any email from her. Several days later I called the same number and I explained the story to another person who told me she would send the material to me and I could resend electronically or by overnight mail. I sent the documents by overnight mail on XX/XX/2023. I contacted Wells Fargo again and got an email from XXXX XXXX. She had my documents but said that the Illinois form needed more information and said that I should use the Minnesota form instead. I refilled it out and again tried to, send the documents electronically unsuccessfully, I am now resorting to this complaint process because I have had enough. Can someone help me close this account out? I work with several banks here in Illinois for both personal and business. I have NEVER had so many problems, excuses, poor customer service. Who hands out business cards with a phone number that does not take messages?