davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (FL)

This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation.

Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX XXXX XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO EXPERIAN VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (IL)

I had to federal refund deposited into this account. The IRS stated that my funds were sent on XX/XX/XXXX, and I have yet to see my XXXX dollars. I continue to get the run around and blame placed elsewhere.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

On XX/XX/23, I had a meeting with XXXX XXXX XXXX, the Branch Manager at M & T Bank, located at : XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ). The meeting concerned a withdraw of XXXX from my checking account shared between myself and my mother. During the meeting, XXXX XXXX, a bank teller revealed that my mother made the withdraw and because my mother did not know the bank account number, she ( XXXX XXXX XXXX " wrote in the bank account number on the withdraw form. '' I then closed that particular account and opened a new account. 
On XX/XX/23, I met with XXXX XXXX XXXX at M & T in order to notify M & T that I wished to file a complaint about the policy of M & T tellers writing in an account number for my mother who would not otherwise have been able to withdraw the XXXX. In addition, I notified XXXX XXXX that I wish to file a complaint about the fact that there was not a vetting system in place as it pertains to the large amount my mother was able to withdraw. XXXX XXXX told me that she would file the complaint as well as have the Branch Manager reach out to me by phone. As I was leaving the bank my mother was entering. Mom stated that she only had XXXX dollars left, but she wanted to place the money back into my account. Since I had a new account, I entered the bank with mom and deposited the XXXX into my newly opened account. I then informed mom that I intended to proceed with the complaint as it relates to the additional XXXX dollars because I did not want what happened to me to happened to anyone else. At that point, the teller XXXX XXXX came from behind the counter shouting " I did nothing wrong ; the bank policy allows me to write in the account number. '' I told XXXX XXXX that if that were true then she had nothing to worry about. Frustrated, I left the bank. 
Branch Manager XXXX, called me on XX/XX/23, and notified me that within the next 30 days M & T would be closing my account. I informed XXXX XXXX that his actions appeared to be in retaliation for my choosing to file a complaint.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Mohela holds my loan and I have been on the public service loan forgiveness for years and it has been so much confusion since Mohela company has taken over my account. I been with my job since XX/XX/XXXX and your company sees that and say that its have been approved from them until XXXX of XXXX. But the number of eligible payments have increased as they should they went from XXXX to XXXX and then to XXXX. However my qualifying payments are going down. Which your employee XXXX # XXXX say it shouldnt do. They went from XXXX qualifying payments on XX/XX/XXXX to XXXX qualifying payments on XXXX XXXX and now as of XX/XX/XXXX I am back at 30 qualifying payments again. And when I call about the issue they have me to resubmit the application to fixed the payment issue but it has never been fixed and the count still changes. Then once receiving the new application that was requested they saying its not approved again which the article of operations is on file already and I still send them in and many works say they can see it. The new application is explained to me that it fixed the gap that they see which makes no sense because it see all the same information because i ask.. XXXX # XXXX also said that my payment tracker has not been updated they have had my case for almost a year now. I have sent multiple application the one on XXXX XXXX state duplicate, XX/XX/XXXX state processing and XXXX XXXX also state processing. The supervisor XXXX # XXXX said that she all of the application and that my job has been approved so I should at least have payments from XX/XX/XXXX until at least XX/XX/XXXX. She see over XXXX payments that needs to be added. I am just trying to get an understanding of what is actually going on because it has been very confusing since Mohela took over the loan. I have reached out to federal student loan as well to get help to see if someone can actually explain what is happening with my account. None of my applications has even been finished processing after the XXXX said it only take 60 days honestly. All of the applications I sent in this year should have cover from XX/XX/XXXX until present. Thanks for your time in advance.
Consumer complaint received 2023-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I never got notification in XXXX about a judgement filed. Only got notified after they got a judgement. 
I never got a validation form after 1st contact. 
I never got information on how I can dispute the debt. 
I never got an end date for the 30 day period. 

I believe this case is beyond the statute of limitations in Ohio. Original filing in 2011. This debt is 12 years old.
Consumer complaint received 2022-12-06
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. (NY)

It has been drawn out that you are not hindering records when I sent a copy of 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. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (PA)

After months of dealing with this bank refusing to communicate, then finally having them pay me the bonus they owed me, they took {$48.00} dollars out of my bonus check for fees the accrued while illegally not closing my account after being asked to... they sent me a check that removed those fees from the balance before paying so no balance remained .... their collections department is now sending me paperwork in an attempt to collect a debt they do not legally have any right to, nor is it even owed. 

This bank must cease and desist all communication with me henceforth or shall be taken to civil court.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America claims to reimburse for fraud and yet someone was able to make an account at XXXX XXXXXXXX XXXX in my name, then wire XXXX $ from my checking account at Bank of America to that account at XXXX XXXXXXXX XXXX without even my authorization. They have access to my accounts. All of this done while i wasnt even in the country! So theres no way i could have done it. I reported the fraud immediately on monday XX/XX/XXXX, and today XX/XX/XXXX i called them to see the status of my claim and the representative said they already resolved it and sent me an email yesterday XX/XX/XXXX. They took less than 48 hours to investigate a fraud of nearly XXXX $??? And came to the conclusion that i had initiated it through my laptop? I was HOME ALONE WITH MY LAPTOP OFF THE WHOLE DAY. I dont believe they did proper investigation at all and just dont want to reimburse me that amount. The first representative said that the FBI was going to investigate, i dont think anyone did any thorough investigation. Also theres no way they could even know which laptop executed the wire. Also when i check the status of my claim on their app it says i dont have any claims in the last 120 days! So they didnt even file my claim! You can see all of my transactions for the last half a year are in XXXX, im not even in the XXXX right now. I have thousands of followers on XXXX and i am gathering information to share on my social media and im sure i will have hundreds of retweets, the worst fraud of all has been from this bank lying that they would reimburse fraud cases. Theres many holes in their investigation of my case.
Consumer complaint received 2023-07-31
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. (RI)

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 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 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

My Mortgage First Bank Florida increased my mortgage payments. due to an error in the tax collectors office. The error has since been corrrected and the bank is refusing to lower my payments. 

I have emailed XXXX XXXX for over a month and he refuses to respond to my email. 

Can CFPB please intervene and assist me with getting my mortgage payments reduced to the correct ammount.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I was charged for late fees due to their system being down and i have reported this and they have still not waived my late fees, I have had this issue now with the last payment atlas please work something out i am enrolled in the credit protection as well and this has not been resolved.
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 — Personal information incorrect
Company: LEXISNEXIS (OH)

I applied for a loan with XXXX XXXX XXXX yesterday online, and was approved. They told me to finish the process via telephone. During the telephone call they had me answer security questions, which I passed, but then at the very end they said they had to decline my application because I moved about 5 weeks ago and my new address was not yet on file with LexisNexis. I asked if I could go into the branch and show appropriate documentation like my government ID to verify my address, and they said no. LexisNexis said it was not what they had on file and solely because of that they had to deny my loan. 

I searched LexisNexis 's site on how to dispute my address and get it updated, and I found a document here : https : //consumer.risk.lexisnexis.com/img/Dispute_Process_Steps.pdf. The telephone address given for disputes regarding liens ( XXXX XXXX ) is an invalid extension. The number asks for 5 digits, and the 4 digit one on the document does not work. If you try to navigate the system, it just keeps putting you in circles to prevent you from talking to a human to place the dispute. 

LexisNexis appears to be actively trying to prevent people from disputing incorrect data that is affecting their financial wellbeing. I hope the regulators will persuade them to put a clear and functioning process in place for consumer data corrections, as their current conduct is harming the public interest.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have reviewed my consumer report and noticed that I have late payments on accounts that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX. XXXX XXXX Co XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian continues to report an account from XXXX that does not belong to me on my credit report. I have reached out to Experian letting them know I am a victim of identity theft and have not received a response. I have attempted to reach out to Experian more than once and recently have sent them certified mail with a notarized Affidavit, and FTC Report over 60 days ago. I have not received a response from Experian. Experian is being willfully non compliant and violating the FCRA. Experian has several violations against me and chooses not to be compliant with the law. Experian continues to tremendously injure my financial wellbeing as well as cause extreme emotional distress with hindering my creditworthiness. It has been over 60 days which is in violation of 15 USC code 1681n.

My FTC Report Number is XXXX
Consumer complaint received 2018-04-23
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. (TX)

Experian after several attempts to resolve inaccurate information listed on my credit profile, refuses to delete inaccurate information. I have provided them with ample evidence to have information removed. Furthermore, they stated that they have " verified '' all the information to be true. I have not recieved any evidence from them to prove their case however. I have contacted the creditors themselves and either they have not replied, or have not been able to locate an account in my name. If the original creditors are not finding my accounts, I am curious as to how this credit bureau has?
Consumer complaint received 2023-07-29
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. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (TN)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

I have a dental account with XXXX, which is financed by Comenity Bank. In XX/XX/XXXX I contacted them and made a large payment of {$500.00} because I wanted to pay my account ahead a few months. This month I started receiving phone calls and text messages from them stating that my account was delinquent. I did not consent to text messages first of all. Second of all they will call me 4-6 times per day, and they will call me from several different phone numbers. Then they start calling and texting my husband on his phone. My husband is not on this account, and I have never given permission for him to be contacted. When I asked why they were calling him I was told that in the state of Nevada they are allowed to call my Spouse. After I paid the amount i was told I owed, I still received text messages telling me to call them. When I called them they were still trying to collect the payment I had already made 2 days earlier, and I told the customer service agent I was going to contact an attorney. I told him I wanted to talk to his supervisor he refused to transfer me until I gave him an attorneys name and phone number. I told him I was driving and was on my hands free device and could n't safely provide that information, he said he did n't care and still refused to transfer me. He said I should n't have called them if I was n't prepared to give them that information and he was n't going to transfer me. I told him they were harassing me, they were calling me and texting me over and over and over again about a debt I did n't owe, they were calling my husband who is n't on the account, they are texting me when I did n't ask or approve that and I wanted to speak to a supervisor and he still refused. They have since reported a late payment to my credit report and are refusing to remove it.