davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2022-11-07
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-09-29
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)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (IL)

Car loan that is on my report has nothing to do with me at all. This is fraud on what is going on m report. I disputed these charges so many time and no one has done anything to take this car payment loan amount off my report. I never cosigned for the car loan that is on my report and I never cosigned for anything else, so this should never had been on my report. I don't understand why my score is always lowing when in my whole entire life I never had my credit always lose points so much like it has been. Someone really needs to investigate better on these reports when a dispute is amended. One of my reports has showed a high score for me. So I don't understand why these other 2 reports are showing false  accounts on my report. 


XXXX XXXX
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (NJ)

Hello, Today XX/XX/XXXX, I visited Wells Fargo bank in XXXX, NJ XXXX XXXX XXXX XXXX. Arrived at XXXX, called previous day to advise them will be visiting to withdrawal said amount of XXXX from Trust account. Spoke to a XXXX XXXX, who related message to another gentleman at branch. At branch, when finally made my way to teller, after Id, and Bank card given, first dispute was my signature on withdrawal sheet, was told that was an issue, when it is clearly shows on prior withdrawal sheets how I print/sign my name. After that was cleared, all was going well but, before I can get my withdrawal funds was told I need to write or say my Social Security number. Which I stated is on file and and I am not in agreement or comfortable with saying or displaying it. I stated all information was given when Trust was open, I offered to given any additional information on trust to clarify, but was told no, that I had to give Social Security number in order for release of funds. This was discussed about through Branch manager XXXX XXXX and staffs of 2 other females and 1 other male behind counter. As on Social Security guidelines, XXXX XXXX, Section 7 of Public Law 93-579 ( aXI ) ,18 USC Sec. 242 and 42 USC Sec. 1983, 42 USC See, 408. 31 CFR s.s 1.32. And quite a few others that I should not have to express, being its a Bank. 
It is not mandatory to show SS card again to with draw your own funds from account regardless of amount, All necessary information was given during opening of account. SS card is not a form of ID, anyone can say or write a SS on a paper. To end visit at XXXX. 
I request your federal guidelines to be shown and expressed as stated by your Branch Manager, in regards to this matter, were it is " mandatory '' to be given, in order for funds to be released. 
Again, Thank you
Consumer complaint received 2020-08-05
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. (PA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 . INQUIRIES : US SM BUS ADMIN ODA | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX  | XX/XX/XXXX, XXXX/XXXX/XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Forest Recovery Services LLC (FL)

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
Consumer complaint received 2022-11-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted  from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this  matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-04-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Goal Structured Solutions, LLC (NV)

XX/XX/2024 Made a XXXX on the XXXX. On the XXXX the same amount was debited. My loan was paid in full on the XXXX with that XXXX payment. I requested the double payment reimbursement and they told me that I would have to wait 30-60 days. Meanwhile I have had to borrow money to bring my bank account current and will need to make my XXXX of the month living expenses. They said the reimbursement was being processed however it takes one day for them to receive why would it take 30-60 days to refund. Knowing the way the representatives talked down to me on the phone when requesting answers on an over charge in interest they hung up after have a very dismissive attitude along with XXXX star rating online I know they will maliciously hold my funds that were basically fraudulently pulled for the max 60 days. I need help. This company is not on the up and up. Interest charges dont add up. The company is Launch servicing, https : //launchservicing.com/
Consumer complaint received 2022-11-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2022, I have been notified by my sister XXXX XXXX that she transferred XXXX XXXX USD to my account at Goldman Sachs Bank USA. The funds had not arrived in due time ( 1-3 business days ), so I started to contact Goldman Sachs to check the status of the transfer. 

On XX/XX/2022, I have received an email from Goldman Sachs employee XXXX XXXX saying that she is " working with internal teams to have the funds kicked back to me ''. Email attached. 

Today is XX/XX/2022, and I still don't see the funds on my account, not on my sister 's account. 

Here is the XXXX tracking code : XXXX : XXXX. 

Please make Goldman Sachs transfer XXXX XXXX USD to my account : XXXX : XXXX XXXX Account number : XXXX Routing : XXXX XXXX  : XXXX or transfer the XXXX XXXX USD back to my sister 's account at XXXX XXXX XXXX
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of america is highly understaffed and outsource the jobs to XXXX workers and other XXXX. As a result of that, overall operations has become a big mess. Customer service is terrible. 
On XXXX XX/XX/2022, I had a Bank of america XXXXXXXX XXXX XXXX XXXXXXXX ending in XXXX. I tried to close it. I initiated a chat - lot of wait time and after all the verification, XXXX XXXX left told me that : He can not close your account in our Chat. You would need to call for this service. Prior to that he was giving me some other excuse why the account should not be closed. I told I have already moved out the funds and please close it. 
Later he left the chat without closing the account. He gave me a phone # XXXX to call to close the account. Upon calling that phone # at around XXXX XXXX menu based robot doesn't allow to let a customer talk to a human agent. In fact robot is stating, visit website and initiate a chat. I am send in circles and it seems that due to low morale, low wages and worse treatment of humans by Bank of america management, nobody wants to do any work. Most of the hiring in bank of america is done to hire friends and family only this makes things even worse. I know lots of Bank of america employees and contractors in XXXXXXXX XXXX and other places - who literally does no work at all. 
Why bank of america can not close the account via chat? Why there is no human on the phone. My phone call was disconnected when i called. It's so much wastage of time of customers by bank of america
Consumer complaint received 2020-09-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I can file as many complaints as it takes to get Experian to do a proper investigation. But if they don't do an investigation after this second complaint, I am sending this to an attorney. Their opinions of who filed this complaint is of no concern to me, but the fact that they are breaking the law and purposely keeping my credit report damaged without attempting an investigation is.
Consumer complaint received 2024-02-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DOLLAR MUTUAL BANCORP (PA)

XX/XX/XXXX Dollar Bank ran ads and billboards around the XXXX XXXX Area for a CD interest rate of 5.25 %, {$25000.00} minimum for 13 months I purchased two CDs for a total of {$50000.00}. The CDs will mature XX/XX/XXXX and they are only going to pay a rate of 4.25 %. I have copies of their ads and billboards and they still insist on paying the 4.25 % saying that it was a marketing error. In good faith I met all of their requirements and they should do the right thing and pay the 5.25 % rate Thank you XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation (TX)

I have had the WORST experience with SWBC and more specifically, XXXX XXXX. 

I contacted XXXX and her team in XX/XX/XXXX. After 9 months of having to email her multiple times starting in XXXX of XXXX, I've had the last straw. She's run my personal credit report three times ( the last of which she didn't even tell me about ), allowed my appraisal report to expire, and not listened to what I've asked for. Today she finally told me, in XX/XX/XXXX, that she won't do my loan. 

The only way I got her to respond after emailing her several times was by emailing her employees. I have provided what they've asked for time and time again and she drug this process out for 9 months. I've had to make changes the last few months which have changed my financial position which is why I contacted SWBC back in XX/XX/XXXX. 

She is the most unprofessional, unhelpful employee in your company and I will be sure to let everyone else know to steer clear of XXXX and SWBC. In the meantime, this delay has caused me a lot of time and money and the ability to refinance my property. 


XXXX XXXX XXXX Loan XXXX SWBC Mortgage XXXX cell XXXX office XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc (FL)

I have attempted, on 13 occassions to contact Possible Finance to resolve their collection account that's being reported to my credit report. This is not my debt, but I can not let a {$43.00} amount ruin my credit. They do not answer calls, their voicemail states you can ONLY communicate via email, and they have not responded to my emails for 4 months. This debt is not mine, I have tried resolving with the creditor- and they WILL NOT RESPOND. I NEED HELP! This is effecting my ability to use credit.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLAND FUNDING XXXX XXXXour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Your failure to address my repeated requests to investigate and correct inaccurate information on my credit report is unacceptable and a clear violation of the Fair Credit Reporting Act. I am prepared to take legal action if necessary. I demand immediate compliance with the law. XXXX XXXX XXXX must be investigated and removed promptly. This is my final request before pursuing legal action.
Consumer complaint received 2022-11-07
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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