davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

To Whom It May Concern : A man who identified himself as XXXX XXXX and stated he was a representative of XXXX XXXX XXXX came to our door on XX/XX/2022 and initially spoke with my husband about investing literacy for at-risk youth. He reported he was selling magazines. I came to the door and told him we would not purchase any magazines but would make a donation of {$400.00}. He reported he still needed to select magazines for distribution and chose XXXX He wrote up XXXX separate receipts and provided them to me, and I made the donation via Zelle. I later noticed the receipts he provided actually totaled {$440.00}, but I only sent {$400.00} via Zelle to XXXX 's purported boss, XXXX XXXX. My husband told me he felt uneasy about the entire exchange and felt I was swayed by XXXX 's story that he was working to overcome poverty and find a means to support his family as well as a photo of a child he referred to as his son. My husband wanted to see if we could find more information about the organization. Upon searching the web, we primarily found information that suggested the company and its charitable platform were both scams. Although I was able to find what appeared to be a legitimate websiteXXXX XXXX XXXX XXXX it offered very little information ( e.g. no financial report on the company, no photos of or links to the alleged magazines that were purchased, no customer reviews ). I believe I was scammed by this man who may or may not have used his real name and may or may not be the victim of a scam or a MLM scheme himself. I did not provide him with any sensitive information, but I did give him my email address, and he has my signature. Additionally, he was able to see into the living room of our home. I submitted a fraud report to Zelle, my bank, the FTC, the CA Department of Consumer Affairs, the FBI, and the police, all to no avail. I attempted to email the company and received a bounce back email advising the address is invalid. I called customer service but was unable to reach a human being and received an automated message that did not offer any information related to the company. ( " You have reached customer service ... '' rather than, " You have reached XXXX XXXX Services ... '' ) I am seeking restitution for this loss. Please advise regarding whether there is any means through which I might be able to pursue damages for falling prey to this scam. Thank you for your time and consideration.
Consumer complaint received 2023-11-27
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. (IL)

XXXX XXXX XXXX XXXX XXXX sent me a bill that is not mines! 
They also put it on my credit which is illegal without my consent! 
Reached out to them and did an identity theft report and they refuse to remove it from my credit! 
They sent me back a statement which is not the correct spelling of my name my middle name only has one XXXX XXXX XXXX 
All support documents and my photo ID is attached!
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I purchased an anniversary ring for my wife for our XXXX wedding anniversary. Then XXXX XXXX went bankrupt with Comenity Bank. Then all of a sudden I have multiple companies reporting the same account on my credit report. Information is incorrect and duplicated giving lenders the idea that I have multiple account with different balances causing creditors to deny me credit. Also causing a financial hardship due to having to hire a company to help sort out the mess.

I have attached the pages from my credit report for the same ONE account, that all of a sudden is three accounts with all different information. I purchased one ring, one account. 

These companies are in violation of the Fair Credit Lending and Debt Collection Practices Acts. 

Please help me eliminate these account. 

The companies are : XXXX/XXXX  ; XXXX XXXX XXXX ; Comenity Bank ; XXXX/XXXX ; Comenity Bank/XXXX ... .this is not fair to me or my family.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

For nearly a year I have been trying to get my credit report from Equifax via mail and online. My account does not let me login and Equifax claims there is nothing wrong. However when I gave them my login information they tried to access it and couldn't. I keep receiving emails saying it's fixed and it never is. This is my last time trying to get them to fix this before I launch a Federal lawsuit. I have not been able to get any help. I have tried to dispute items but because Equifax refuses to respond to my pleas to fix my account or answer my mail they continue to violate my rights. They keep lying and making excuses. 


My Equifax email is XXXX XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Southwest Credit Systems has violated several of my consumer rights. Specifically, they have failed to validate a debt at my request, which is a FDCPA violation, and have continued to report a disputed debt to the Credit Bureau ; another FCRA violation. 

Three certified letters were sent and received by the company requesting debt validation and they have failed to produce evidence of a contract bearing my signature and proof that the debt is valid. 

Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I had several payment plans set up and different issues came up some on my end and some on PHH 's end. However I received an email from PHH before XXXX stating I had a new relationship contact person. I emailed them back as always asking what help was available to me. 
I was told to call or fill out a form with my financial information. Which I did but then when I tried to email it to the address on the form it cam back undelivered. 
Then I tried to fax it. I came back unknown number which I gfot from the paperwork as well. 
So how can I send what they are asking for if it is not giving me the working numbers to so? 
This is once again the way Ocwen/PHH does things and make it look like they are helping but they always find a way and claim it wasn't thier fault. when we are trying to keep the home. Please help me.
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

This Debt was incurred as a result of my former landlord or new tenant? keeping the power on in my name long after I left the home. I had sought him out but he lives in XXXX now. This Bill is {$580.00} dollars but when I left the house the bill was closed. I'm not sure If the new residents continued service or turned the service back on in my name using an old bill that come to the house but this debt is not mine. I wish to have this account removed from my credit report as it is totally fraudulent. I had no idea about this bill until it appeared as an unpaid debt on my credit report.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked Equifax to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (NJ)

I am writing to file a formal complaint against Experian regarding their repeated failure to address and investigate the errors on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute through USPS Certified Mail ( Tracking # XXXX ), which was delivered on XX/XX/XXXX. Despite the statutory requirement for Experian to respond within 30 days, they continually refused to investigate my disputes. This refusal occurred in responses dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all citing an alleged belief that the disputes did not originate from me, obstructing my rights under the FCRA. 

Moreover, resorting to Experian 's online dispute form, I raised subsequent disputes on XX/XX/XXXX, followed by another on XX/XX/XXXX, and XX/XX/XXXX. While Experian responded on XX/XX/XXXX, outlining their verification process and once more on XX/XX/XXXX, affirming the accuracy of the disputed items, the investigation results were in stark contradiction to my personal communications with XXXX XXXX XXXX. 

Regarding the account from XXXX XXXX XXXX, the credit report fails to capture complete and accurate information. The reporting inconsistencies include the absence of payment history from XX/XX/XXXX to XX/XX/XXXX, as well as inconsistencies in reported balances and missing payment data. Additionally, despite my attempts to resolve this with XXXX XXXX XXXX directly, their responses dated XX/XX/XXXX, and XX/XX/XXXX, were both incorrectly addressed to XXXX XXXX, a name unfamiliar to me. 

In relation to the XXXX XXXX  Bankruptcy, Experian claims to obtain public record information from XXXX. However, a response dated XX/XX/XXXX, from XXXX contradicts Experian 's investigation results of XX/XX/XXXX, indicating that Experian failed to respond to their dispute about the accuracy of the bankruptcy record. 

Attached, please find copies of all correspondence with XXXX XXXX XXXX, XXXX, and Experian 's responses, substantiating my efforts to rectify these discrepancies.
Consumer complaint received 2020-06-09
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. (WA)

I have requested all three credit reporting bureaus for the dispute on my credit reports. I have a mixed credit report with my brother so I sent all documents needed for the dispute. It has been more than three months since I submitted the request via mail. XXXX already made an dispute but I have not heard anything from Equifax and XXXX.
Consumer complaint received 2020-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BOEING EMPLOYEES CREDIT UNION (FL)

In XX/XX/XXXX, I refinanced a loan with BECU from another local credit union for a vehicle I bought used in XX/XX/XXXX and purchased full insurance coverage for my vehicle through a national insurance carrier from XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, I received a Final Notice from the bank to provide Proof of Insurance for my vehicle. BECU outsources this work to a company called " XXXX '' to verify Proof of Insurance or I would be charge an insurance premium of {$3800.00} if they do not receive proof of insurance by XX/XX/XXXX. 

On XX/XX/XXXX, I provided my proof of insurance through XXXXXXXX XXXX   website ( XXXX ). Though the Final Notice was missing a critical piece of information to provide my insurance cards. I did not have a reference number in my notice. 

I was able to submit my insurance cards through XXXX 's website and received email confirmation on XX/XX/XXXX that my insurance cards for coverage between XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX In addition to submitting information to myinsuranceinfo.com I also called into the BECU 's insurance center to ensure they will receive my proof of insurance. The Customer Service Agent was able to confirm with my Agent that I had insurance coverage between XX/XX/XXXX - XX/XX/XXXX. However, in XX/XX/XXXX I had also moved from XXXX State to XXXX so the BECU Customer Service Agent did not want to wait on the phone for my Florida Insurance Agent to confirm that I had proof of insurance from XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, I received notification that my loan was charged {$3800.00} for insurance coverage. I called into BECU 's Insurance Center and they told me they were not able to help as they outsourced verification of insurance to XXXX. 

I called into XXXX 's customer service line and their Customer Service Agent told me they just processed my proof of insurance on XX/XX/XXXX. 15 days after I submitted proof of insurance. 

I do not think it is a coincidence that my proof of insurance was processed on the same day as my deadline to provide proof of insurance and I do believe there is foul play either or both at XXXX to collect insurance premiums or BECU to collect additional interest from the increase loan value.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 2020-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (AZ)

I opened a checking account with M & T Bank and have been unable to obtain an online account. I was not supplied the proper information in order to open my online account and I called twice and no one know how to direct my call or rectify the situation. 

I have since tried to close my account and have called 3x and was told I need to get the balance to zero. Once I was able to get the account to zero, they said the charges are pending and now there will be a service fee while I wait for my account to get to zero. I am being charged for an account I have not had full access to or been able to use. Customer service has not been able to help me. I would not have incurred these fees had the account opening been properly managed and there had not been unreasonable requirements to close it. I do not know how many fees I paid since I do not have access to my account. 

I would like my checking account closed immediately and all funds reimbursed via check for all fees paid to date. I do not believe I should have to pay an account closure fee or future fees because the account was never fully opened and functional for me.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANNER CORPORATION (WA)

*cough* Yesterday, XX/XX/2019, I had a balance of {$8.00} in my checking account. I meticulously monitor my account daily. Today, my balance was XXXX. I scrolled back to see where the negative amount began and it goes further then XXXX. It shows I've been in the negative at the end of the last three months. But I have bank statements showing that I was in the XXXX at the close of each month. If this is not resolved immediately, they may be hearing from my lawyer. 
Thanks and XXXX Bless!
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (RI)

I would like to reopen case XXXX on XX/XX/2023 I recieved a debt collection call from a local debt collector XXXX XXXX acting on behalf of american express XXXX I was not home to take the call. I do not have an amex card or any business with the company so this call could only be about my brothers debt to Amex. It is insane that these people are calling anyone with the last name XXXX that has a listed number. Please make them stop. I think it is sanctions or time for fines! I work hard and pay my bills on time so I do not get calls like this that are about my debts. I should not be subjected to harassment about a debt that I have nothing to do with. I have no means to contact XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
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. (FL)

Final request to remove all unauthorized inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.Please remove the following unauthorized inquires which I listed in Identity theft. 


I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Consumer complaint received 2022-01-22
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. (AL)

Hi this complaint is being filed to bring awareness of violations the three credit reporting agencies continue to do when dealing with my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, XXXX, and Equifax. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-10-05
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! I've talked to the banks and they've agreed to correct the accounts but TransUnion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the numerous complaints and letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) So TransUnionfeels they're above the letter of the law and will not explain their policy. The accounts that should be adjusted are as follow : XXXX Bank XXXX, XXXX XXXX  Card XXXX, XXXX Bank XXXX XXXX