davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (AL)

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

Following from previous complaint, I sent an affidavit of identity to verify my identity on XX/XX/XXXX. It is XX/XX/XXXX, almost 2 months since I sent the affidavit. I have called multiple times and each time a different representative tells me my affidavit has yet to be reviewed and that it would be reviewed that week. The affidavit has yet to be reviewed and Marcus by Goldman has yet to reach out. Again, I do not understand why Marcus by Goldman can withhold access to my not insignificant amount of funds ( XXXX ) without any repercussion. Without evidence to the contrary, customers are left wondering if this is a ploy for Marcus by Goldman to convert customer funds, or if it has insufficient liquidity as required by banking regulators. There is a clear systemic issue with the anti-fraud process that requires further examination and if necessary, legal action. I just want to get my money and close my accounts. This same complaint has been brought my countless other customers. Please assist.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OLIPHANT FINANCIAL, LLC (KS)

As a consumer, I find it concerning and disappointing that despite providing a cease-and-desist letter to Oliphant Financial , LLC and having it delivered with a signature on or around XX/XX/2024, I have received not one, but two letters and I suspect multiple phone calls from Oliphant Financial , LLC . It is my legal right to request that all communication from a debt collection agency cease, and it is disheartening that this request has not been honored by Oliphant Financial , LLC. I urge them to respect my wishes and comply with the cease-and-desist letter that was sent and signed for. It is their legal obligation to do so. Persistent and unwanted phone calls can cause undue stress and disruption, and as a professional and ethical debt collection agency, I expect Oliphant Financial , LLC to approach their practices with the utmost respect and consideration for consumers. I hope that they will take the necessary steps to rectify this situation and refrain from any further communication.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America locked my account on XX/XX/ and frozen my money no reasons for long time! Tried to call their customer service many many times and told me my case still under review, nobody know when can return my money the most important thing is different customer service and gave me different answers.Just asked me to call them later later!! Nobody help me to resolve my problem! My accounts balance is XXXX now, I cant pay my rental and my household fees now! I am so disappointed with Bank of America. Complain about their service. Never open their account again.!
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY (NJ)

Dear Sir/Madam, I am writing to you to lodge a formal complaint against XXXX XXXX XXXX regarding their detrimental impact on my financial well-being and overall quality of life. The actions taken by your company have resulted in significant hardships, including threats of legal action and potential damage to my credit score. I strongly believe that these actions are not only in violation of consumer protection laws and regulations but also constitute illegal practices, such as the unauthorized purchase and resale of my debt without any proof of my agreement to such obligations. 

It is imperative that your company provides conclusive evidence demonstrating my consent to the acquisition and subsequent resale of my debt. The absence of any record of my agreement renders this process completely illegal. I demand transparency in this matter and an immediate cessation of any attempts to resell the aforementioned debt back to me. 

Moreover, I am appalled by the threats your company has made, including threats of legal action and adverse effects on my credit. These actions not only violate consumer laws but also disregard ethical practices expected from a reputable organization. The following is an overview of the laws and codes that your company has blatantly violated : Violation of Consumer Laws and Codes : a. Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] : Your company 's actions, including threats of legal action and credit damage, violate the FDCPA, which protects consumers from abusive debt collection practices.

b. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] : By reporting inaccurate and unjustified negative information on my credit report, your company has violated the FCRA, which mandates fair and accurate credit reporting.

c. New Jersey Fair Credit Reporting Act [ N.J.S.A. 56:11-33 et seq. ] : Your actions are also in violation of the New Jersey Fair Credit Reporting Act, which safeguards consumers from unfair and inaccurate credit reporting practices.

I kindly request that you thoroughly investigate the details outlined in this complaint and take immediate steps to rectify the situation. Furthermore, I expect you to promptly provide a written response acknowledging the receipt of this complaint and informing me of the actions your company intends to take to address the issues raised herein.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2022-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

Hello, On XX/XX/XXXX I sent the following message to MOHELA : " Hello, I was going through my payment history and noticed that the 14 months listed below did not have a due payment on them, so therefore are not counted towards my PSLF count. From XX/XX/XXXX thru XX/XX/XXXX should have been an in-school deferment. I am not sure what the deal is with XX/XX/XXXX - other than it was a COVID pause? Is there a way to make payments retroactive for the months listed below and get them counted towards my PSLF total? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks! '' On XX/XX/XXXX I received the following message from MOHELA : " Thank you for contacting MOHELA, We apologize for the length of time that has passed since we initially acknowledged your email inquiry. If your inquiry has already been resolved, we hope that it was resolved to your satisfaction. 

If your inquiry has not been resolved, please call our Customer Service at XXXX. If you need more information about Public Service Loan Forgiveness ( PSLF ), please visit StudentAid.gov/pslf or call XXXX. We have also included a few of the top PSLF-related Frequently Asked Questions ( FAQ 's ) below. '' ( FAQ/Remainder of MOHELA response removed for brevity of message sent to CFPB ) I waited seven weeks for them to respond to my inquiry and all they did was give me a boiler plate message that did not address my inquiry and proceeded to close my case.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/XXXX I sent several tax bills to AmeriHome Mortgage Company so they could be paid through my escrow account. On XX/XX/XXXX an AmeriHome Mortgage representative responded acknowledging receipt of the tax bills. There has been a withdraw from my escrow account for " taxes '' but the local tax collector shows that they have not been paid. I requested help on AmeriHome 's website with the live chat feature. The chat representative told me that they would send me tax payment confirmation via email within 24 hours. I have not received any additional communication from AmeriHome Mortgage.
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C. (ID)

XXXX account # XXXX has been reporting a debt on my credit reports since XX/XX/XXXX. I do not recall ever receiving any communication from them about this debt. I disputed twice through the credit bureaus but each time they come back " verified '' with no documentation to back up their claim. Debt collection companies have 30 days to validate a debt. They also increase the balance of my debt each month which I know can only legally happen if the agreement with the original creditor permits interest to be billed and I have only recently been provided with one of the seven original documents. 
The only document I received was in XX/XX/XXXX from the first cfcb complaint I submitted. That notice didn't have a date on it at all. It listed out 7 seperate debts they are billing together and only attached paperwork for XXXXXXXXXXXX XXXX XXXX XXXX. I had no idea this debt also included XXXX debts from City of XXXX Parking or from XXXX XXXX XXXX. Again, all I received was an account number, and amount due. How is this verifying a debt? I do not agree with these debts and have never been notified they existed, that the original bills were going to be sent to collections, anything from XXXX verifying these debts, etc.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I am very upset about the loan billing statement I recently received from Mohela via email on XX/XX/XXXX which is still the incorrect amount despite multiple attempts to correct this going back to XXXXXXXX XXXX XXXXXXXX. I was told to recertify my income prematurely by Mohela in XX/XX/XXXX prior to the end of the federal student loan payment pause in XXXX when it actually wasn't due until XX/XX/XXXX. My income had gone up and therefore my payments went up significantly after updating my income. After I caught the mistake, I asked Mohela to change the monthly amount owed to my previous billing cycles when I had been making active payments approximately {$270.00} per month. They put me in administrative forbearance and I was assured that they would correct this and resume payments at the correct amount within a few months. However, each time since then, they keep recalculating payments based on XXXX yr standard repayment and not on my old income with IDR plan PAYE. My monthly payment should be {$270.00} per month and then reassessed when I am due for next income recertification which now shouldn't be until later this summer after Biden 's announcement, but they keep calculating {$1400.00}. That mistake would have potentially cost me near {$9000.00} difference so far over the last 6 months and will come closer to {$18000.00} overpayment by this summer if it does not get adjusted. I find this to be completely unacceptable as they have had several changes to correct over the last 6 months. My other big frustration is that I have missed out on 6 months of payments that would have qualified for PSLF now due to being stuck in Administrative Forbearance during all this time. I am so upset and don't know what else to do because every time I call customer service ( at least 3 or 4 times now during this period ) I wait on hold for hours at a time to keep getting the same result. I didn't want to contact Ombudsman or file formal complaint with the Consumer Financial Protection Bureau but feel like there are no other options.
Consumer complaint received 2024-11-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

So I financed a vehicle from AUTOMOTIVE credit corp in XX/XX/XXXX and in XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSo during the beginning of my XXXX  I was able to contact the XXXX XXXX XXXX XXXX  where I got the car, I told them the situation they said that lender was trying to reach me but they couldnt. So I then gave them the towing company name so they can get the car because I was sent to XXXX  for 2 years I had the car for 5 months my credit report says I made XXXX percent off but the dates says last payment XX/XX/XXXX and account closed on XX/XX/XXXX kinda odd because I was XXXX  during that period I was released in XX/XX/XXXX I only had the car for such short time and the account shows closed 6 months after date of XXXX  I have no recollection to why it says last payment was on XXXX then closed the next month in XX/XX/XXXX also the vehicle has not been sold or else Id have a remaining balance left.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  XXXX Acct 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 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-21
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)

I discovered that there is incorrect account on my credit report when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX Balance : {$670.00}
Consumer complaint received 2024-04-14
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. (CA)

Someone who probably has my personal information applied for credit cards cards which cause inquires on my credit report. The inquires and dates are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair credit reporting act XXXX XXXX  XXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 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. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (TX)

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 dispute items do 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 these files. XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} 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 XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another XXXXesearch item I found that requires you to verify with 100 % accuracy that each item 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.