davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
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. (FL)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-MORTG account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-12-16
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. (FL)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-MORTG account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-07-22
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

Enhanced Recovery Company ( ERC ) did not send me a " Notice of Debt '' before reporting this account onto my credit report. So, I disputed the debt with all 3 credit bureaus, in which they responded back to me and told me that ERC validated each time I disputed the account. So, I sent a validation request to ERC on XX/XX/19 ( see doc 1 ) which they ignored and didn't send me any documentation verifying that I am the correct consumer who they are trying to collect a debt from. Per FDCPA, ERC supposed to do the following and they did not : notify me of the alleged debt, cease reporting & collection until the debt has been verified, 5 days after initial communication send me a document showing the original creditor, the amount owed, and the address of the original creditor with the debt collector statements written on it. 
My rights as a consumer have been violated several times by ERC and I'm sick and tired of it. This collection account has cost me to lose funding for my home which I needed badly for me and my boys. This entire process has been tiresome and stressful. This is my last resort to get help with this account. My next steps are to file a lawsuit for the multiple violations that have been committed against me.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (ID)

I got an email stating that customers of wells Fargo that had accounts between XXXX to XXXX may be owed money due to overcharges. I had several problem during my time banking with them and just wanted to find out if I could get back even some of the money that shouldn't have been taken. 
Thank you
Consumer complaint received 2019-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank of Alabama has charge my account several false overdraft fees and will not reverse them. I have explained them how it is inaccurate and I have receipts to prove the fees are false, the agent did not care to listen. Some of the charges are noticeably false. Please help. After review I have found that this same bank was fined for similar reasons in the past.
Consumer complaint received 2019-11-24
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)

Equifax, XXXX  and XXXX has accounts on my credit reports that are NOT mine/inaccurate/fraud. 
Accounts : XXXX- not mine please delete.. 
XXXX XXXX  XXXX-not mine please delete XXXX  XXXX-not mine please delete
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I, XXXX XXXX, give authorization for AMSHER CREDIT COLLECTION to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM IN THE MAIL AN ALLEGED WITH Amsher Credit Collection Services. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (NY)

My property was repossessed on XX/XX/21 by BMW FINANCIAL SERVICES NA LLC in retaliation against me, for filing fraud against the dealership who put me in contract with this financing company. When I requested a copy of the original note, I was sent a copy with XXXX forged signatures on it, which deemed fraud on their end, NOT MINE. I signed a document in front of my house to securitize the account, and in return that exact note was not provided to me when requested. This repossession and extortion and threat to auction my property due to fraud, is invalid and causing XXXX  XXXX
Consumer complaint received 2024-02-20
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. (PA)

On XXXXXXXX XXXX XXXX, Experian. representative XXXX XXXX did have an eloquent conversation with XXXX. XXXX XXXX, After being questioned as to the reason for circumventing being treated as a Collection Agency, XXXX XXXX refused to Honor the presentment and has refused to block adverse information from XXXX  XXXX  profile. XXXX informed XXXX XXXX that the other two Credit Reporting Agencies have complied with Bureau requirements. Experian employee XXXX XXXX has refused to comply and is in dishonor of XXXX  XXXX  and thus XXXX XXXX and Experian are causing harm to the XXXX. 
An Involuntary Bankruptcy Proceeding is hereby commenced against Experian Employee / Agent XXXX XXXX who called on ( XX/XX/year> ) to deliver False and Deceptive Schemes and Artifices to Defraud in Furtherance of a Crime. 
By Refusing to Honor the Presentment, XXXX XXXX and Experian are in Violation - [ ] 1022.142 ( b ) ( 6 ) ( i ) as " victim determination '' and 1022.142 ( b ) ( 6 ) ( i ) as " identified adverse items of information '' to make it clear that " Trafficking documentation '' under section 605C consists of two components : victim determinations and identified adverse items of information.

- [ ] The Bureau does not believe that this provision of the TVPA conflicts with section 605C or the final rule since section 605C, among other things, does not require an official certification from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) in order to block adverse items of information from a consumer report that resulted from having been trafficked. 
Survivor Documents are a XXXX XXXX. The Bureau accepts this determination. XXXX XXXX does not. XXXX XXXX contends that it is XXXX position that they do not have to comply with regulation. 
Notary Public : A public XXXX whose function it is to administer oaths ; to attest and certify, by her or his hand and official seal, certain classes of documents, in order to give them credit and authenticity in foreign jurisdictions ; to take acknowledgements of deeds and other conveyances, and certify the same ; and to perform certain official acts, chiefly in commercial matters such as the protesting of notes and bills, the noting of foreign drafts, and XXXX protests in cases of loss or damage. One who is authorized by the State or Federal Government to administer oaths, and to attest to the authenticity of signatures. XXXX XXXX XXXX  XXXX XXXX an Experian Refuse to Honor my Presentment. An International Claim for Damages is hereby proclaimed and advanced. There was no remedy, so XXXX had to create his own. 
A XXXX XXXX has been tendered and refused and will now be authenticated. Your Silence is your acquiescence.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

I received a letter from a company called XXXX XXXX XXXX stating that I owed a debt of {$8800.00} to a company titled NCB Management services. This is the first time Im receiving any form of documentation from either of these companies. 

I responded back to both companies in writing for verification/validation in the form of written documentation to note some form of wet ink contract or purchase agreement or any reason why they would be contacting me about owing them money. Neither company has responded to my written request and I have only received a certified returned receipt from NCB Management. I am still waiting for written validation. 
I also sent a copy of the letter sent to XXXX XXXX XXXXs to NCB to ensure that each party had the ability to collaborate in this matter.
Consumer complaint received 2019-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAM National Arbitration and Mediation (TX)

They keep calling my number to collect on some ones debt. I have told them the have the wrong number in numerous occations. They said they would remove my number but I keep getting these calls. Call is from number XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC (NV)

Regarding my account with XXXX XXXX. 

I never receive any email or mailing notification about the remaining balance or past due after I canceled the service. I was on auto-payment and their system did not process the full amount. I never got any text messages, email, or physical mailing regarding this past-due or remainder payment notice. I just checked the statements on the account and they took out a partial monthly service amount. I assumed the payment was paid in full with autopayment when I canceled the service. I am upset that this went straight to collection without any form of contact. I have no problem paying the amount but the way XXXX conducts cancellations like this is very unprofessional and having it affect my credit rating is outrageous.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX have violate XXXX5 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( 1 ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards XXXX had 4 financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose XXXX of dollars during a pandemic..
Consumer complaint received 2021-12-23
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. (OK)

I submitted documents to this company requesting removal of fraudulent account in accordance with FCRA sect. 605B. Company did not remove account but instead fraudulently and without my request, knowledge or consent, opened a dispute Which is in violation of FCRA rules in 605B
Consumer complaint received 2019-12-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX XXXX called and identified themselves as collecting for XXXX XXXX  on behalf of XXXX. They said I owed {$500.00} for a credit card from XXXX. I paid it It using my XXXX XXXX  card and the transaction is recorded on my statement dated XX/XX/2019. They hang up on me when I call to follow-up and XXXX XXXX  said they have no record of the payment. This is bank fraud amongst other illegal activities. This is showing up on all three of my credit reports and preventing me from future credit related endeavors.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I recently became a victim of a fraudulent scheme and already filed a dispute claim on my bank account " Wells Fargo '' but my dispute claim got denied. So I called the claims department and asked if there's any other option or how they can help me as it is a big amount of money that my family needs to get back. So they transferred my claim to the " High Dollar Fraud Department '' and the representative that I spoke to confirmed that the claim has been denied again ( XX/XX/2021 ). The representative then just advice me to file a police report as they can't do anything anymore. 

I already finished submitting a a file complaint to FTC and FBI 's XXXX XXXX XXXX XXXX. 

I have all the evidence that I was in fact a victim of fraudulent scheme and I can send everything if needed. 

I'm begging that you help me and my family get our hard earned money back.
Consumer complaint received 2021-12-23
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CT)

I have someone in XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, shes called XXXX banks, she made someone mailed a check to her using a spammed bank so that she will deposit the check in the atm and withdraw the funds out. This woman has been doing this fraud for a couple of times now and I caught her. I need the fbi to go arrest and jail her because she has been stealing from peoples bank for a very long period of time.
Consumer complaint received 2021-12-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-12-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (KS)

Veterans United serviced my home loan. Significant water damage of $ XXXX was found after closing due to the poor VA inspection process. As soon as I reported the damage to Veterans United they disappeared and left me with significant liability. I have put $ XXXX worth of repairs and new appliances into the property and still can not sell the property.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern, Bank Of America closed my account without notice or any type of communication. 

Since XX/XX/2021, my account balance is {$6000.00}, and I still have {$12000.00} left to be claimed. 

I stopped certifying for benefits when the bank closed my account. 

There was no reason to keep adding more money, I can not access. 

Bank of America froze my account and will not open it. 

I can not tell you how many times I have called XXXX and Bofa. 

They tell me to call and have the other party sort it out. 

I am a XXXX man. I told the Bank of America manager I spoke to I would not go, but helpless and not knowing what to do and desperately needing the money, especially during the holiday season, I went anyway, to 2 branches. 

Both branch managers said the same thing. They told me they could not help me, and to call the number on the back of the card and explain to the representative that answered, both branch managers said they could not help. 

Since I am a prepaid customer, I have no account number, they can not verify me. When I called Bank of America back, they agreed with what the branch managers had said. 

My account has been closed since XXXX. This last time that I called XXXX, the tier two specialist I spoke with told me that my identity with XXXX was verified, there was no issue with my account, there was nothing she could do or say to Bank of America because once XXXX sends the money to Bank of America XXXX Bank of America doesn't want to hear a word XXXX has to say. 

The tier two specialist said the best thing she could do was add more weeks for me to certify so that when they were paid, I could call Bank of America and say XXXX just added more weeks so that Bank of America can see there is no issue with XXXX and Bank of America is full of it. The specialist was furious with Bofa and how they are treating me. She said to call them again now, and if they do not open your account, call your local assembly member or CFPB. 

As I stated, I am XXXX XXXX XXXX. I can't risk my health standing in line for hours for no reason, as I was told going to the bank will not help me. Also, I have restricted my direct exposure to public places with great diligence. 

It is my duty as a husband, father, and grandfather to protect my family and I will be XXXX if Bank of America thinks they can freeze my hard earned benefits because they want to hold on to every dollar of the federal pandemic money they were trusted to properly manage on behalf of XXXX and the citizens of XXXX.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

Amsher Collections is trying to collect a debt that is not mine. I have contacted them numerous times to inform them of this error. I have never signed an agreement with them or the institution which they represent identifying this is debt attributable to me.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I called IQ Data international on XX/XX/2019 to pay a debt. When I talked to the representative XXXX, he told me that I could pay the principle amount and have it taken off my record if I was able to pay within ten days of the first payment I made. I made a payment of XXXX $ on XX/XX/19 and planned on making the other XXXX $ payment today XX/XX/19. Now Im being told that if I only pay XXXX $ that I will not have this taken off my record and there will be a remaining balance. When I asked to speak to a supervisor XXXX hung up on me. When I called back and spoke to the supervisor, the supervisor hung up in my face as well.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Credit Card services has not been following the law on applying payments in excess of the minimum due on the credit card to the amount with the highest interest first. Instead, USAA applies the excess payment to the lowest interest first and then to the highest interest. I have been in contact with USAA about this and they continue to apply excess payments to the lowest interest portion first in order to illegally generate more interests from the and other unsuspecting XXXX and XXXX XXXX personnel.