davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NY)

On XX/XX/21 I was sent a credit card in my name and someone else name. I never requested a credit card from Citibank. I called Citibank whom ever opened the account has my correct name, address and social security number. They used a different phone number and email. The card was not used and cancelled. As of today I do not know of what else they maybe using my info to obtain. I have contacted credit bureaus, bank and other accounts. I am waiting for Citibank to investigate this. And waiting for a copy of my account information from credit bureau to verify info. I have filed a police report. Contacted Social Security Office. I am not sure what else needs to be done. Any advice will be appreciated. Thanks,
Consumer complaint received 2017-02-03
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Big Picture Loans, LLC (CA)

On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from XXXX XXXX XXXX claiming to have a lawsuit pending from Castle Payday loan that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (PA)

Moved to XXXX  from XXXX. Need the car title to register the vehicle in XXXX. Title & tag place I went to requested the title via fax, as per their website. I followed up 3 days after request was sent & was told that they didn't receive the fax. Was told to email the request to them, which was done over a week ago now. Spoke with rep there who said they received the request, but that they also needed a XXXX  DMV form MV-1 in order to provide the title, which is NOT true - that is the form to submit the actual title / registration change ( with the title ). Now I'm told that they actually do NOT need th

e MV-1 ( which is correct ), but that they never received the request for the title via email or fax, even though they verified that they received the email request earlier today! XXXX  law requires that the car be transferred to XXXX  within 10 days, and it's now 13 days that I've been going back & forth with them over this, with no end in sight. Now the XXXX  registration is also expired, so we can not even drive the car!!! I've made every single payment on time & am well past the time required by law to register the vehicle in XXXX  at this point. Despite talking to about 15 different people there over the course of the last 2 weeks & spending 10+ hours on the phone with them, they refuse to provide the title so that I can register the car in XXXX.
Consumer complaint received 2021-10-06
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. (CA)

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX  is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint # XXXX Submitted and never resolved even though the Bank of America sent me two letters saying they had submitted correct information and consider my dispute resolved. They continue to have a misapplication on this loan and none of my payments have been applied and do not show a reduction of principal since XX/XX/2021 ( for the last 6 months ). Do not have any contact with anyone who will try to help me. They are taking so long to correct this issue and I am afraid that my funds will be not be applied correctly. Arent they out of compliance with the law re corrections on loan applications? Please help to get this resolved quickly. They are just taking all their time to correct this misapplication. ( now 6 months )
Consumer complaint received 2022-09-18
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. (OH)

XXXX XXXX and XXXX XXXX i sent letters to these 3 credit bureaus requesting them to stop reporting inaccurate information about me on my credit profile after i recieved my credit report. I got a response of the information came back verified. I wrote asking them to provide them method and sources used to verify in the inaccuracies about me no response. These items are in collections which is sold debt and/or charged off which is cancelled debt and filed on the business taxes. Since the debt is cancelled it shouldn't be reporting as past due with a balance. I have no written contract or consent with these collection agencies. This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and are required to remove any information that isnt true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS XXXX XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.
Consumer complaint received 2020-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (OH)

I have been involved in an online scam, I paid a total of {$1100.00} to purchase a puppy through a website selling XXXX. I have contacted the person/company to no avail. I contacted my bank to inform them of the fraud/scam in hopes to stop & retrieve my money back. Since I used XXXX, I was told that it was too late since it was already processed & to file a small claim. The problem is I am in one state & the purchase was made in another state. I researched the address & company further & it seems to be non-existent other than the website.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

I was reaching out about a recent phishing attack through my email that caused a cybercriminal to withdraw around XXXX XXXX dollars from my coinbase account in which coinbase has since done nothing about. I understand there has been a series of cyberattacks against coinbase users and wanted to report my incident as well. There was an email sent that imitated coinbase and asked me to verify my account. Within minutes, my XXXX dollars was deducted. This incident occurred on Fri, XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On approximately Saturday, XX/XX/XXXX I reviewed my TransUnion credit report. Upon reviewing my credit report I noticed that an old credit card account from " XXXX XXXX '' was still reporting as a " current account '' despite being closed nearly three years ago. On the report, under " Payment History '', Trans Union 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with TransUnion on approximately Sunday, XX/XX/XXXX. TransUnion responded saying that they incorrectly verified the account status as accurate ( despite my credit report from the other two bureaus correctly showing this account as closed ). I have attached the investigation results for the CFPB to review.
Consumer complaint received 2024-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Someone use my credit card on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  I tried to claim many times. Bank of America denied me because they said I used it with the chip and sign. So I researched and called to outlet and the store. It was closed since XXXX. My question HOW CAN I GO INSIDE AND USE IT? It doesnt make sense. I tried to explain to them. When I called them, they need me to provide phone number of the store and they would call but they never call. The third time I called I asked the guy if you want me to send the prove that I talked to the outlet and he said no. He said supervisor would call me in 4-5 business day, but no one call. I called again. I talked with supervisor, she is rude very rude and dont know how to solve the problem. She wants me to send the prove to them and they denied my claim again. Now I give you the prove. It is so disappointed. How can I use if the store is closed since XXXX. They still denied me.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NJ)

I have searched the phone number XXXX online and it was called a scam number ; therefore, I don not wait the phone of this number. Since this mediation program seems to relate with the mortgage and, as I wrote in the previous letter, I do not have any property, I do not need this process.
Consumer complaint received 2022-09-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2021-10-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CarMax, Inc. (GA)

On XX/XX/XXXX I received a letter from CARMAX AUTO FINANCE accusing I of an alleged debt with an fictitious name attached. 

Definitions from XXXX XXXX Dictionary 3rd edition : 1. Person- An individual or an organization. An individual man, woman, or child or, as a general rule, a corporation under the negotiable instrument law, an individual or a body of persons whether incorporated or not. 

The word person in legal terminology is perceived as a general word which normally includes in its scope a variety of entities other than human beings. See e.g. 1 U.S.C. Sec. 1. Church of Scientology v. U.S. Dept of Justice ( 1979 ) 612 F. 2d 417, 425.

2. Straw man- A dummy. An irresponsible bondsman or surety. One made to appear as the owner of record who in fact holds title for another. 

Per the constitution, ( Article VI ) The senators, representatives before mentioned, and members of several state legislators, and all executives & judicial officers, both of the United States & of the several states, shall be bound by oath or Affirmation, to support this constitution : Violations 18 USC 1341-Frauds & Swindles 26 USC 1275-other definitions & special rules 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666b-Timing of payment ( You cant treat any payment as late ) 12 CFR PART 1026-Truth in lending 15 USC 1666a-Regulation of credit reports 26 USC 6304-Fair Tax collection practices 15 USC 1666d-Treatment of credit balances 15 USC 1692c-Communication in connection with debt collection
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (TX)

On XX/XX/2021, I consumer XXXX XXXX, attempted to obtain my free credit report from the credit reporting agencies and I was getting an error, therefore I can not access this file.
Consumer complaint received 2021-10-06
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. (IL)

Experian continues to ignore the Bankruptcy Judges orders which was to have the Bankruptcy stricken from all credit bureaus after a 5 year period of time. XXXX, XXXX XXXX have complied but Experian continues to perform with inadequate investigations. What shocking is every investigations states they used a third party vendor to verify the accuracy of the information. The letters sent to me about the investigations mention XXXX and that I may contact them. I have contacted them and they have removed the bankruptcy from the XXXX report. I have provided all this documentation to Experian to no avail. Please have them do their jobs as this has a major impact on my interest rates for borrowing. They are ignoring the results of XXXX and the bankruptcy order. It has already been an 8 year process with this being on ONLY Experians report for 3 years Longer than ordered by the courts.
Consumer complaint received 2021-10-06
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)

Ive made countless efforts to reach out to Experian regarding my account with XXXX Theres a Payment reporting late for XXXXz I wasnt late. XXXX has been having issues with website and phone lines. I disputed online with Experian they refused to remove late payment. I mailed letter and received a letter for validation of debt which I never asked for. Im simply asking for late payment reported to be removed it hurts that these letters are not being reviewed when we consumers mail them in
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

My account has a escrow shortage and my county has agreed to refund {$3400.00} for the overpayment and shortage. On XX/XX/2021 the supervisor from the county tax office and I did conference call with the tax department at my mortgage company and a refund request application was sent to the mortgage company and they still will not fill out the form and send back to the tax office to at least try to help bring my account current. I have never missed a payment and yet again my mortgage company is refusing to work with me to make sure that I don't get behind in payments because the shortage has caused my monthly mortgage payments to increase to XXXX monthly. I am a single mom who is only trying to provide the best life possible for my daughter. I can't afford {$3200.00} monthly, this will cause financial hardship and possible foreclosure. I wish the tax department would just send the signed refund request application.