davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC (TX)

This company identifies as XXXX. They send me text msgs and calls every day asking me to call a XXXX XXXX or XXXX XXXX back at XXXX. 

They get me on the phone and start aggressively trying to make me share my information. Very aggressive and subjective language. Very harsh and insulting and sarcastic verbiage. I told them that my legal representation would be in contact and the response was, " Oh, sounds like you're really smart. How do you have a lawyer when you couldn't pay your bill? '' They also threatened to call my family members about a debt, which from my understanding is against the law. They mentioned my family members by name and said they would reach out to them. Also, tried to get me to confirm my employment, saying that they would be calling them upon getting off the phone with me.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NC)

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  I never applied for any of these items I called Equifax and told them. I also sent them a dispute along with a police report and they said that they couldn't do anything about them. the fraudulent inquiries are stopping me from obtaining things I need to progress in life for my family
Consumer complaint received 2023-06-21
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I recently pull my consumer disclosure report and found an additional inquires that I have never made or authorized at. I attempted to call in to dispute this claim, but the customer service was did not want to help me, so I am submitting my claim through the cfpb. Please remove this inquries off my consumer disclosure report immediately! I have no association with these inquires, and it should not be reporting. I want to make an additonal dispute please dont close my previous dispute.
Consumer complaint received 2022-11-02
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX Balance : {$390.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Direct Account Management (NY)

Hi! 
I think I was scammed. 

I got a call from a company who said they work for department of education and do student loan forgiveness XXXX XXXX XXXX XXXX XXXX XXXX Direct Account Management company. 

They signed me up for a plan. 
Took my SSN. Credit card number information. 

I found out this was a scam.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am after 6 months still trying to get Bank of America EDD California money back the was stolen out of my account that has been closed since XXXX, I think ( I am saying I think because I don't have access to it but the criminal may still even after all of the reports filed ) I have/had filed reports here FTC # XXXX, Police report in XXXX county XXXX. I have filed reports with XXXX XXXX office, XXXX XXXXXXXX XXXX office. But instead of anyone asking me or checking with me if what Bank of America complaint response just sent lies to sweep it all under the rug. I spoke with XXXX XXXX, platform manager for Bank of America who told me what he saw, was that the criminals set up a account on their phone, that transferred immediately and directly the money out of my account into their account, and also alerted them anytime money was being put into my account so this could happen. He was supposed to have contacted the edd bank of america claims department to have the write a check and send it to me instead of continuously reimbursing my money to be taken immediately by the criminals. I told this to complaint response person XXXX XXXX, but that person never got back to me. So I am still without the money and I was taxed on it and I do not know what to do about that either. Please help me!
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union CRA is reporting an inquiry submitted by XXXX for dates XX/XX/2021. I did not authorize or give permission for XXXX to pull my credit for that date or any other date. Therefore, I am requesting that XXXX  to update their system reflecting this information and send to Trans Union to have this inquiry removed immediately.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, an unauthorized debit was made on my bank account, in the amount of {$7300.00}. The unauthorized debit was for " XXXX XXXX XXXX '', a company with a Kentucky phone number. The following day, XX/XX/XXXX, a second unauthorized debit was made on my account, in the amount of {$1400.00}. This unauthorized debit was for a purchase to " XXXX  '', a company with a New York phone number. Previously the Bank of America would notify me of suspicious activity in my account. I have such a notification from Bank of America for a debit to my account on XX/XX/XXXX, proving that alerts were in fact in place. However, for the XX/XX/XXXX and XX/XX/XXXX purchases, no notifications and no alerts were made. Bank of America paid both of those claims without my knowledge. I discovered the first unauthorized debit when I logged into my account on XX/XX/XXXX, and I immediately called the Bank of America Fraud Dept. to say that I had not placed the charge ; my phone call was made at XXXX XXXX. The following day I saw the second unauthorized debit and again called the Bank of America Fraud Dept. ; I called at XXXX XXXX  to report that I had not authorized that charge either. On XX/XX/XXXX, when the charges remained on my account, I visited my branch of Bank of America and sat down with one of the officers to resolve the matter. I am still waiting for results.
Consumer complaint received 2021-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX cards ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX
Consumer complaint received 2021-04-15
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. (OH)

I reviewed my credit reports and found unverified accounts. I had previously disputed this account. I have never done business with the listed consumers. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. Please Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( PAID IN FULL BUT STILL SHOWING ON MY CREDIT REPORTS
Consumer complaint received 2021-04-15
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. (IA)

Experian continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. Experian has reported they did an investigation, however Experian is wrong and I will continue to dispute these accounts and have the law make Experian use their assets to explain until Experian removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet Experian says they have seen it. So I am requesting Experian to provide me a copy of the alleged agreement between myself and XXXX.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CO)

In 2011 my husband and I paid off our US Bank vehicle loan # XXXX. We mistakenly did not follow-up with the bank when we did not receive the released title. US Bank is now saying they have lost the title and are refusing to provide a release of lien so we can apply for a duplicate title. My husband and I have spoken to FIVE people at US Bank and they all claim they are working on providing this letter by the most recent representative admitted NOTHING was noted in the file. It's been over two weeks and I am beyond frustrated. My position is my husband and I signed a contract with the bank and we fulfilled our obligations by making the payments and the bank, in refusing to provide a release of lien, is effectively stealing our property. I would like to know if there is a remedy available through your office or if our only recourse is a civil action?
Consumer complaint received 2023-07-03
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. (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, ACCOUNT NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX XXXX BALANCE {$20000.00}, XXXX XXXX XXXX  XXXX XXXX, ACCOUNT NUMBER XXXX XXXX XXXX BALANCE XXXX {$4900.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, XXXX {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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, EXPERIAN, XXXX XXXXXXXX XXXX, SSA XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX a vehicle I was financing through Nissan Auto Finance was stolen. On XX/XX/XXXX XXXX XXXX XXXX paid a settled amount for the amount of {$8700.00} to XXXX XXXX XXXX for the stolen vehicle. XXXX XXXX XXXX never contacted me to tell me that I was responsible for a remaining balance of approximately {$2600.00}. On XX/XX/XXXX, I received a call from an investigator who is working on granting me a security clearance for a XXXX position. The XXXX informed me that I have a report on my XXXX XXXX regarding an unpaid debt to XXXX XXXX XXXX. I contacted Nissan XXXX XXXX XXXX XXXX on XXXX XXXX twice to request information regarding the supposedly outstanding balance. Nissan provided me with the phone number and name of a collector company, XXXX XXXX. I contacted them and spoke with XXXX XXXX. He stated Nissan opened an account with them on XXXX XXXX regarding the supposedly outstanding balance and informed me Nissan never provided them with my email address or phone number. I asked them why they wanted to collect the supposedly outstanding balance when I was never contacted before for the past 7 years/ almost 8 years. They told me to contact Nissan for any questions, and that they will be putting the account on hold until they send my questions to Nissan and will the answers from them. I contacted Nissan XXXX XXXX XXXX again, and this time they told me that they have sold my account to different collector companies starting on XX/XX/XXXX, but all the collectors closed the accounts, so Nissan kept selling the account to a different collector over the past 7 years/ almost 8 years. However, Nissan never contacted me, nor the many collector companies to include XXXX XXXX. I requested to speak to a supervisor and was informed the supervisor was busy. I asked if it would be possible to get a detailed account history report with all the collector companies and their reason behind them closing the collector accounts for over the years. I was told Nissan did not have that information. I asked if I could speak with a person from Nissan that was willing to explain the charges, provide documentation and wanted to work on a payment agreement. I was told to contact XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

This is in reference to all my other complaints. It is XX/XX/21. XXXX XXXXXXXX XXXXI just received this letter today from phh mortgage. I think they are trying to give me late charges to scam me out of money. From my last complaint about not receiving mortgage statement. I received this letter today. I was promised from their manager that I would recieve a statement on XXXX XX/XX/21 for just XXXX. I did not. It was for XXXX and XXXX. Recieved late again Monday XX/XX/21. Sent payment XX/XX/21. Please read Statement picture attached.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I sent a debt validation letter to Transworld Systems in XXXX. I haven't received a response from the company to provide validation of debt to date. However, they continue to report this debt on my credit report without providing proof of a signed contract. Please have this collection removed from my credit report.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX Balance : {$390.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-04-15
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. (PA)

XXXX XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Consumer complaint received 2021-04-15
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. (OH)

File # XXXX. From mid XXXX thru the current date I have been trying to correct a credit report from TransUnion and they have not corrected the report. This is regarding 2 XXXX accounts showing 6 late payments on each for a total of 12 late payments. These 2 accounts were in forbearance as clearly shown with the paper work included from the creditor. I have included these documents from ( Begin XX/XX/XXXX through End XX/XX/XXXX ) the accounts clearly show the accounts in forbearance. Then immediately back in forbearance XXXX XX/XX/XXXX. I need this corrected immediately as these inaccuracies have prevented access to mortgages to which I have been prevented from obtaining because of this failure to report accurately.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This check is dated on XXXX. 
Bank of America " fraudulently '' processed the check one day earlier XXXX - causing {$35.00} NSF fees. 
Check is a legally negotiable instrument on that day specific day it was written.
Consumer complaint received 2021-04-15
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: ECMC GROUP, INC. (LA)

On its website, ECMC states, " ECMC has ceased all collections activities on defaulted student loans until XX/XX/2020. The only exception is if borrowers wanted to pursue a voluntary resolution to their debtin which case they were assisted with that resolution. '' We were a few months into the pandemic before I was told that their statement didn't apply to *my* defaulted student loans. 
It was true. My credit report shows that my loans stayed in collection status until they were paid in full when I consolidated them. I would have moved a little faster on the consolidation had they not assured me on their website that " all collections activities '' on my accounts had been stopped. 
My loans were FFELP loans. So, although the statement on their website didn't specify which kinds of loans they'd cease collections on, the truth is that they weren't forced to stop collections on my accounts, so they kept reporting me as being in collections. 
Recently, the White House moved to retroactively include borrowers like myself, who weren't covered by the CARES act, in this financial protection. Companies like ECMC are expected to charge no interest during the time of the pandemic and to retroactively stop collections activity. The credit reporting agencies have asked to be " understanding. '' I filed a dispute with XXXX for a second time ( the first having been about my being told that collections had ceased when they hadn't, and my being reported as in collections for loans that, after being in an income-driven repayment plan, still, today, on my credit report, show a monthly payment of {$0.00} due while I was in collections ) about ECMC 's reporting. I didn't ask for a refund of the random amounts of interest they charged to my loans monthly, and sometimes twice a month, during the time which, now, they've been told that no interest should have accrued. I just wanted the collection activity to be removed from my report. They refused.