davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

On XX/XX/XXXX I submitted a complaint about multiple inaccuracies on my credit report. Equifax responded on XX/XX/XXXX that the information /accounts were verified as accurate see complaint # XXXX I pulled a new report to and found the same inaccuracies that still exist. If Equifax did a thorough investigation everything should be reported 100 % accurate. Please see the accounts listed in my dispute letter attached along with the new credit report with all the inaccuracies marked up.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have since received letters from Bank of America that they can not return the funds. The account was opened fraudulently in a Bank of America bank account. the Lawyer 's office XXXX XXXX XXXX never had an account with Bank of America. I think Bank of America allowed a fraudulant account to be set up in their banking system. They should make me whole. 

See below for more details I was working with a lawyer XXXX XXXX from XXXX XXXX XXXX. to get my bankruptcy filed and I received, what is now to be known as a fraudulent email from someone impersonating XXXX XXXX telling me that the company was having trouble processing payments through their normal portal and I was dumb enough to request an bank transfer on XX/XX/2022 to the so-called bank account of the lawyer. The email appeared to be from the paralegal ( XXXX ) that I was working with but it was not her. I lost {$1800.00} through it because the bank will not refund the money because I initiated the transfer. I reported it to the police here, but doubt they will do anything. The lawyer informed me a month later that they never received my money. and that is when I started to contact the bank and reported it to the police
Consumer complaint received 2023-10-04
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. (MN)

I reported fraudulent transactions to XXXX and disputed it. However on XXXX, XXXX and XX/XX/2018. They are reporting that I was late on payments. I was never late on payments for this card. I am requesting XXXX correct this mistake as it has advesrly affected my credit opportunities. XXXX has been non-complant thus far.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX5 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 Dear CFPB, I am writing to bring to your attention significant discrepancies in my credit reports. I have reviewed my credit reports from XXXX XXXX XXXXXXXX, Experian, XXXX, XXXX, and I have identified numerous inaccuracies, including but not limited Theyre is incorrect account information, inaccurate balances, and accounts that do not belong to me. 
hard inquiries, collections, and closed accounts that dont belong to me or should not be public. 
I have taken the necessary steps to dispute these inaccuracies directly with the credit reporting agencies, but the discrepancies persist. I am concerned about the potential negative impact on my creditworthiness and financial well-being as a result of these inaccuracies. 
Hard Inquiries And closed accounts XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request that the CFPB investigate these discrepancies and take appropriate action to rectify the errors in my credit reports. 

Additionally, I have attached copies of any supporting documents that validate my claims regarding the inaccuracies in my credit reports. I believe that a thorough investigation will reveal that these discrepancies are indeed erroneous. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. Please inform me of the steps the CFPB will take to investigate this matter and the expected timeline for resolution. 

Thank you for your help in rectifying these credit report discrepancies and ensuring the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Phone XXXX Email XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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)

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 XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 2022-12-09
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. (WI)

In Accordance with The Fair Credit Reporting Act Bankruptcy XXXX XXXX account number XXXX, has violated My Rights. 

15 U.S.C 1681 section 602 A. States I have rights 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
Consumer complaint received 2022-12-06
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. (SC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My debit card and pin was used for purchases and money withdrawals without my authorization totaling {$670.00} The bank refused this claim because they state they found the transactions were made by me or someone who had my permission. 
I claim I'd did not authorized anybody to use my card which was stolen while traveling out of the country and told them that the ATM and stores have cameras to find the culprit.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I spoke with the Clerk of Court at US Bankruptcy Court in XXXX, NC. They verified that they do not report data to the Credit Bureaus. 

However, previous disputes have shown responses from the bureaus as saying the information was " verified ''. 

I ask that the credit bureaus : Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

The collection first appeared on my credit report in XX/XX/2023. The original creditor is XXXX and the original collection agency was XXXX XXXX XXXX. XXXX XXXX never sent a notice, I first became aware when the collection appear on my credit report. I requested validation of the debt. They did not reply and instead sold the debt to National Recovery Agency while verifying the debt as accurate with the credit bureaus.

I reached out to National Recovery to validate the debt and never heard back. My attorney sent the attached letter titled " National Recovery '' in XXXX and we never heard back/ they never took steps to validate the debt. Yet they continued to verify the debt with the credit agencies. 

Subsequently, my attorney sent the other letter attached " Letter to Credit Bureaus '' in XXXX. Yet somehow the company continues to verify the debt with the credit bureaus without providing any documentation or validation. 

I am not sure how/why I am stuck in this loop. But, bottom line, the debt was never validated/verified and they continue to blatantly ignore correspondence while somehow verifying the debt as accurate with the credit bureaus. As far as I know I paid everything I owed to XXXX. I think this is some sort of mix up that they absolutely refuse to prove.
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners (CA)

XXXX XXXX XXXX in cohorts with Pendrick Capital Partners LLC, claim I owe them a medical debt of {$960.00} as of XX/XX/XXXX. Just received this mail today that was dated : XX/XX/XXXX. Scam! I do not owe any debt.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Nav Technologies, Inc. (HI)

Disputed the following charges with NAV Prime Card on XX/XX/2023 and XX/XX/2023 and NAV said that provisional credits for the full amount of the charges was to be posted by XX/XX/2023. Contacted NAV on XX/XX/2023 and they now have no timetable to post the provisional credits. 

XX/XX/2023 Disputed XXXX XXXX XXXX  charge in the amount of {$89.00}. Paid for annual fee but never received products or services. Immediately cancelled service same day for full refund. 

XX/XX/2023 : Disputed XXXX  XXXX  in the amount of {$99.00}. Paid for annual fee but never received product or services. Immediately cancelled service same day for full refund.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AL)

Company is still reporting inaccurate information on my credit report. 


Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor.

Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! 


XXXXXXXX XXXX dictionary CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. 
debtor to defer payment of debt or to incur debt and defer its debt. 

DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. 

CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. 

INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. 

DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every XXXX  member of the species homo sapiens who is born alive at any stage of development. 


DEBTORS are FICTITIOUS entities. 
NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. 

A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX. I would like to request a copy of my consumer file and report from all 3 credit reporting agencies. I attempted to request online but the page will not load.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have not received a bill from my loan servicer, MOHELA, though my account on XXXX says my loans are now in repayment. I am very concerned about defaulting on my loans because of their negligence. I attempted to make a payment through their phone system yesterday, but it told me I currently owe XXXX dollars- I know that is not true. 

I have called them several times over the past month, but it always tells me their wait times are outrageous. Today I called and the system said I would wait 119 minutes. I have to work during normal working hours and I don't have time to wait that long.
Consumer complaint received 2023-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

XXXX was filed by XXXX XXXX XXXX, XX/XX/2016 that should have discharged the private loans. There were student loans in the amount of {$150000.00} that should have been discharged.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (AK)

I was tricked by XXXX and TD Bank to create a XXXX financing application for obscured reasons. 
Following my application on XXXX, TD Bank issued me a credit card that is not acceptable anywhere including on XXXX where the application is forced to customers. When I tried using the account, XXXX declined the transaction and requested me to use another credit card. I asked : Why was I requested to provide my Social Security Number to create this account? The company never responded to my request. Soon after, I filed a complain against TD Bank. A Credit Team Manager named XXXX XXXX XXXX called me on XX/XX/XXXX claiming that it was merely a technical issue. She promised that everything will be taken care off. As of right now, my emails have been been flagged by TD Bank and I can't communicate with anyone. Similarly, the company, XXXX, is complicit of of the problem and also flagged my emails to the point that I can't communicate with anyone. 

I am saddened and devastated to know how these companies can betray customers like me just to fill their books. My personal information was obtained to create a credit card account that I have no idea what it was/is for. My credit score was altered and I now have a fictitious account on my file. I am certainly sure that many other people were tricked the same way. I claim this because a XXXX representative told me onXX/XX/XXXXthat I was not the only person complaining about this issue.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (FL)

On XX/XX/XXXX sent a letter to BSI Financial to remove my escrow and refund my money. They denied this and said my loan had not seasoned for 24 months. Therefore, I requested they just do my escrow analysis now because my insurance in XXXX was {$2200.00} less than last year. Leaving an overage in my escrow account for the insurance also I am paying {$200.00} a month too much now. I called them on XXXX and spoke to XXXX and he said it would be done the end of the month. Then I called XXXX and spoke with XXXX she said it was not done and she could request it. I then spoke to the manager XXXX, he declined to do it at all said I have to wait unit XX/XX/XXXX. This is a crime to keep my money which is an overpayment. I am hoping you can help in this matter.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

Received phone call over the past few days, last one received from XXXX. Previous phone numbers were XXXX and XXXX. 

Caller with a foreign accent claimed that they were calling with XXXX  XXXX XXXX for an unpaid bill of {$890.00} USD that was about to go toward their credit bureau. They had the last four digits of my social security number, full name and cell phone number. 

I notified the caller that this is a business line, but she stuck to a script repeating the same suggestion to be transferred to the credit bureau. The line was transferred directly to Experian and a man with a foreign accent attempted to verify my information again. At this point I hung up. 

The caller ringed me again and my daughter took over the call stating that my XXXX  XXXX XXXX correspondence settings are strictly through bank 's website via encrypted messages and/or email. There are no telephone call settings whatsoever with XXXX  XXXX XXXX. She proceeded again with the script and my daughter interrupted her to add my number to the Do Not Call List and do not call again. We will call XXXX  XXXX XXXX and Experian directly. We asked for her contact information to report it. 

Note : we can not add our number to the Do Not Call List as it is an active Business Line. 

Her information is as follows : Name : XXXX XXXX XXXX : XXXX Company : XXXX  XXXX XXXX XXXX ID # : XXXX
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I just opened a new credit card with Bank of America. I opened the card with a XXXX XXXX  APR for 18 months promotion and made some balance transfers from other cards to better pay off that debt. I carefully budgeted out how much to transfer based on a {$400.00} per month fixed autopayment so that I would not be charged with interest at the end of my promotional period. When I went to set up my autopayment, I was only allowed to set up a minimum payment balance OR paying off the full statement. I called customer service, and they informed me that a couple months ago, Bank of America stopped letting all customers make autopayments at a fixed amount. Fixed monthly payments are standard at all the other financial institutions I work with ( XXXX, XXXX, XXXX XXXX ). It's clearly not a technical problem on their end, as they offered this service so recently that their own description of payment amount options on their website still includes the fixed amount option. 

This appears to be a blatant attempt to charge customers more interest by denying them the ability to pay off more than the minimum amount each month via autopay.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (IL)

I transferred about $ XXXX in crypto and I invested.

A female helped me learned about Crypto and investing in it. 
I met this person on the online dating app XXXX. 
All my profits along with my original investment disappeared from my account. 
All of it is just pure SCAM.
Consumer complaint received 2022-05-04
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. (OH)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 15U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions