davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 2022-10-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.

BK OF AMER XXXX  Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-10-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report such as an inquiring on XX/XX/2021 for XXXX XXXX XXXX. I am a victim of Identity Theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete this item as soon as possible
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate accounts are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. Staes 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.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I have had trouble with both administrators of the Federal PSLF program ( initially XXXX and now Mohela ). I have submitted information regarding my eligible employment in order to have my " qualifying payment counts '' toward loan forgiveness updated in advance of the XX/XX/2022 deadline. My most recent round of trouble started in XX/XX/2022. I submitted my forms to XXXX, and learned that before processing my request, they sent my loan and documents to Mohela. Once the transfer was complete and I was granted access to Mohela.com, I logged in at uploaded my documents again. I uploaded these forms on XX/XX/2022, XX/XX/2022 and now again XX/XX/2022. Mohela sent me XXXX letters on XX/XX/2022, all with conflicting messages and failed to credit all of my qualifying payment counts, though they did acknowledge some. It has been impossible for me to resolve this directly with Mohela. After several attempts to contact them via phone ( all ending in an automated system telling me that they are " unable to locate my student loan account '' and disconnecting the call ) and an attempt via their own online messaging system ( made on XX/XX/2022 and as of today, I have not received a response ) I am reaching out to the CFPB in order to aid me in resolving this matter. I fear that Mohela intends to ignore or continuously deny my request through the application deadline.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Here is the context : I was sued for XXXX XXXX  and on XX/XX/2024 XXXX  dismissed the case. On XX/XX/XXXX ( the day prior to my appearance ) their legal counsel called and offered a settlement. By doing so, I believe Bank of America was essentially telling me to not respond to the lawsuit they filed against me. I did not accept their offer. Instead, I came to court. Despite settlement discussions being deemed inadmissible as evidence, their counsel mentioned this to the judge anyway. A judgment of " Nonsuit '' was entered by motion of Plaintiff 's counsel. See XXXX XXXX XXXX XXXX, At Law No. : XXXX ( XXXX of Virginia ). To show their counsel 's effort at getting me to ignore the lawsuit, I'm attaching their attempt to settle the debt which I declined and which they failed to prove the following day ( XXXX Bank of America XXXX XXXX XXXX ) Here is the issue : XXXX. This account shows as having been charged off over a year ago ; suddenly, today XX/XX/2024 I saw a balance on this account reporting via XXXX. 
XXXX. A charged-off account can not have a balance. According to XXXX : " BANK OF AMERICA has reported your account as over or at your credit limit '' on XX/XX/2024. This must be a mistake as the alleged account is charged off, and charged off accounts can not carry a balance. 
XXXX. I already reported this new development to XXXX via online Dispute. However XXXX " confirmed '' the information as valid with BANK OF AMERICA and did not make any changes. 

Here is what I want to have happen : This information is false & is adversely impacting my credit, and I demand that it be removed and/or the false information ( the balance on the account ) be corrected to show XXXX.
Consumer complaint received 2022-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY (OH)

I entered into an agreement via XXXX XXXX through TD Bank N.A in the amount of {$1800.00} for a new washer and dryer. 

The washer and dryer was delivered XX/XX/12. The dryer was determined to be defective approximately XXXX hour after delivery and installation upon first use. 

I immediately contacted XXXX for a replacement. XXXX will not provide documented confirmation that a replacement is processing and they are unable to provide a date that a replacement will be delivered. 

When I inquired about returning both items and canceling my financing I was hung up on, twice. I also inquired about this via chat and was my inquiry was disregarded. 

XXXX has delivered a non functioning device and is charging full price with no documented intentions on replacement. 

In-between the time my replacement was requested and today XXXX updated their website to advise replacements are no longer being processed. Items will have to be returned, refunded and a new item ordered. Which would result in new pricing/financing offers. That was not the deal. That actively changed as my replacement was processing. Are their customer service reps to scared to tell me? It's hard to tell. 

Whats not hard to tell is that XXXX is clearly taking advantage of their customers financially by offering great financing rates but not delivering functioning products. Per reviews and complaints on XXXX I can NOT the only one. TD Bank has a lot to gain here if this is the way XXXX is going to operate.
Consumer complaint received 2021-02-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance Recovery Group (TX)

I received a call from XXXX VM stated my name and stated they were moving forward with 2 complaints against me on the VM> i called the number back because it was just a recording. spoke with a lady there who stated they were filing charges against me for theft of services and breaking a contract. she said they were alliance recovery. I explained to her that they are the 5th agency calling me about this debt and i told her it was paid to another agency in XXXX. I told her to Cease and Desist all communications with me as they are lying about the date of charge off and threatening to charge me with these " crimes '' she stated she would remove my number. then today same number called. same VM was left. i called back again and a lady named XXXX XXXX answered. i told her i just received a call. she stated let me get someone who can help you. she then transferred me to a man that answered and was immediately very intimidatingly. He said what do you want. I stated well I just received a call from here and he interrupted me saying. I didn't call you. I stated well your company did. he stated i see we have already talked to you and you refused to pay so we are moving forward with filing these charges against you so what do you want. i stated you yall called me. he stated no I didn't call you and you have already told us you aren't going to pay then he hung up. i called again talked to another woman and i told her what had just happened and that I wanted my number removed because of how they were treating me and how i had already asked for a cease and desist. she hung up. i called 3 more times and and they would answer and hang right up. on the 4th time a woman said. Lady we removed your number and hung up. i feel very threatened by what they did to me and my XXXX and XXXX  XXXX  was through the roof. they keep doing this to me over and over.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CENTRAL BANCOMPANY, INC (IA)

On XX/XX/XXXX my XXXX XXXX XXXX was repossessed. I have not been contacted by the bank for any " missed '' payments. I contacted the bank right away and was told the last couple of months i have made partial or no payments ( i have bank statements and proof of withdrawal from my bank that the full payments were made ) The Central Bank XXXX XXXX XXXX who owns the lease then stated they would not have information about how much to regain ownership of the vehicle or where the vehicle was located for 48 hours but i would be responsible for tow storage fees. I contacted the bank again on XXXX again for information and the phones were down for hours and I couldn't get in contact until about XXXX where I spoke to someone at the branch who said someone would reach out to me and nobody did. on XXXX i got ahold of the right department and was told the vehicle would be the full residual balance to get the vehicle back of {$15000.00}. i was told there were missed payments from XXXX and XXXX which i have proof from the bank payments were made, i was told i can still fax over that proof but that will not help get the vehicle back and it will still be repossessed.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

It started on XX/XX/XXXX and XXXX my account was double charged of {$47.00} by XXXX credit. I disputed the transaction because I only suppose to pay once a month {$47.00} XXXX. Now I decided to do bill pay to pay the {$47.00} XXXX XXXX credit on XX/XX/XXXX which is the payment obligation. 

Now with XXXX XXXX XXXX I only suppose to pay {$10.00} a month and tried to do it by bill pay and it was returned. I called the manager of the call center PNC Bank name XXXX and I explained to her that I paid by XXXX and put the money in the reserve account and she acted very rudely. Even though I put the money to cover the payment on the other account which is the reserve account PNC returned the 4payment on XX/XX/2023. So I made a payment from another account which it was paid. Now I see that PNC has a pending transaction from the return payment on XX/XX/2023, which I already paid. I will be disputing that charge because I already paid it. I changed bill pay from reserve account to regular checking account. 

I find it difficult to communicate with PNC after speaking with the manager XXXX at PNC.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-19
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$720.00}
Consumer complaint received 2022-10-19
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: AES/PHEAA (TN)

My account was closed XX/XX/XXXX with FedLoan, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today FedLoan will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. FedLoan servicing is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why Fedloans are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with FebLoan anymore
Consumer complaint received 2022-10-19
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. (MI)

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. 

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 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 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 XXXX 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 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I XXXX XXXX have inquries on my consumer report that I did not varify. The grave mishap has greatly affected my livelihood. I would classify this as knowing noncompliance considering the reporting agency is required to validate all information with me prior to reporting on my consumer report. At this point I did send XXXX inquiries to this reporting agency to have addressed yet nothing has been done.
Consumer complaint received 2023-06-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

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 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 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 XXXX 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 2024-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

IC systems XXXXXXXX XXXX No date provided Fraudulent charges, debt on my credit report is not my responsibility with IC systems. I have no knowledge of this debt until I reviewed my credit report. I have no contract with IC systems and myself. No original contract provided before reporting to credit agency. I am revoking all harassing calls text email at this point, no future harassment because of my complaint with CFPB regarding violations of listed consumer laws.12CFR1006.34 ( b ) ( 5 ) 121CFR100634 ( c ) ( 4 ) ( i ) 12CFR1006.34 ( d ) 15USC1681-S2 ( 7 ) ( a ) I want this defamation of my character off my credit report.
Consumer complaint received 2022-10-28
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. (PA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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.