davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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. (AP)

In Reply to : Response of EXPERIAN Inc. Credit Reporting Agency of : XXXXMEMORANDUM FOR : CONSUMER FINANCIALPROTECTION BUREAU SUBJECT : EXPERIAN Inc. and its member/Agent XXXX XXXX XXXX ( The Company ) CONTINUED KNOWINGVIOLATION OF THE FAIR CREDIT REPORTING ACT Re : CFPB Complaint # : XXXX Submitted to the CFPB on : XXXXTHISIS A TIMELY FILED COMPLAINANT RESPONSE TO THE EXPERIAN XX/XX/2022 REPLY TO CFPBDear CFPB, on XX/XX/2022, I, a service member filed an FCRA Volition complaint with CFPB, regarding EXPERIAN Inc. a Consumer credit reporting agency and its member XXXX XXXX XXXX XXXX XXXX reporting of false DECEASED inaccurate information on my EXPERIAN Credit File , VIOLATION OF Title VI of the Consumer Credit Protection Act ). Experian IncXXXX and XXXX XXXX XXXX XXXX, are both Subject to the Federal, Fair Credit Reporting Act ( FCRA ) .On XX/XX/2022 EXPERIAN filed a response to CFPB and Service Member that stated in pertinent part,..... [ DESCRIPTION OF NON-MONETARY RELIEF According to our records, an indication of being deceased does not appear on your Experian credit report at this time. ] THIS IS FALSE. After having allotted sufficient time following EXPERIANs XX/XX/2022 to elapsed of approximately26 days to be exact. Service members upon review of my most recent EXPERIAN Credit Report # : XXXX reveal that, AS OF THIS WRITING XXXX XXXX ( XX/XX/2022 ) EXPERIAN INC AND ITS MEMBER/AGENT XXXX XXXX XXXX XXXX KNOWINGLY CONTINUE TO REPORT FALSE DECEASED INACCURATE INFORMATION ONSERVICE MEMBERS EXPERIAN CONSUMER CREDIT FILE.. my multiple request to EXPERIAL and its member XXXX XXXX have gone an resolved , that resulted in negative impact on my Consumer Credit Score to XXXX CREDIT score , caused me to suffer serious financial hardship, suffer deprivation of federal relief in the meaning established and defined by the U.S. Congress under Title 15 United States Code 1681 ( a ) and ( b ), in direct violation of the Fair Credit Reporting Act and violation of Title VI of the Consumer Credit Protection Act, all in violation of Title 18 United States Code249, and infringed the jurisdiction of the Consumer Financial protection Bureau. Irreparable harm.Under the Consumer Financial Protection Bureau Act, the CFPB has jurisdiction to fine EXPERIAN and its member XXXX XXXX for their continued violations of the act.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

I closed my Wells Fargo checking account and then received a refund from XXXX for about {$290.00}. However, the bank never sent me the funds. I went back & forth with XXXXXXXX and they swear they refunded it. I eventually called Wells Fargo and they opened dispute XXXX which was looked into and closed XX/XX/XXXX. But there still has been no refund check. I called them again and they said they found in my favor, but that a partial refund check was being mailed to me along with a letter - but nothing has arrived.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around XXXX XX/XX/21 {$6500.00} claim number # XXXX Acct ending in XXXX Bank of America prepaid processing serviceXXXX. I been trying to get this resolved multiple time and the bank customers service is giving me a hard time. I am frustrated because I been calling and sending them letter asking them to investigate and it's almost going on a year and a half still nothin
Consumer complaint received 2022-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NORTHWEST BANCSHARES INC (NC)

I had a car loan with Northwest Bank that was charged off in 2015. However, the interest has continued to accrue, which means that the balance continues to increase. I have informed the bank that my income is solely derived from XXXX benefits, which subjects me to a perpetual hardship. I have requested the post-discharge interest be discontinued but the request was denied. 

www.northwest.bank XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In Accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report A convergent account has violated my rights. Account : XXXX XXXX XXXX. The credit bureaus stated my account was properly investigated but how is that possible if the account number is inaccurate, the account status is inaccurate, payment status is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and also the date of last payment is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have attached images of the inaccuracies being reported on my credit report.
Consumer complaint received 2023-03-09
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. (TX)

Im submitting this complaint to you today to inform you tha I am a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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 XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (FL)

This is my second time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XX/XX/2021.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

There is information thats on my credit report that I did not consent to and I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified accounts are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX XXXX, XXXX, US Dept of Education and XXXX XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (IN)

I got a loan on a home I was purchasing. They gave me a PMI. I was trying to purchase a home in a way to avoid a pmi. Then they gave me conflicting information. Now I have over XXXX in pmi charges I can't get refunded. Then my bank said I need to contact XXXX XXXX because they couldn't do anything with out their permission. When I called XXXX  they said I could get a refund because there is not an account to give it from.
Consumer complaint received 2022-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2017 Balance : {$10000.00}
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My name is XXXX XXXX, an account holder with Bank of America, domiciled at the XXXX XXXX branch. 

Sometime in XXXX, I opened an account at the said location and subsequently ran my account remotely from XXXX until XXXX when I was logged out and unable to access the funds in my account, thereby denying me access to over {$2000.00} I had in the account. I immediately contacted the Bank with a view to resolving whatever issues they had but I was confronted with not very cooperative individuals who claimed that I couldnt verify my identity and as such my account would be closed. While I dont have any issues with the account closure, my concern is the refusal of BOA to release the funds in my account which belong to me. 

About a month ago, after all efforts to access our funds failed, we reached out to a notable organization, Better business bureau ( XXXX   ) to intervene and appeal to the Bank to engage me towards reaching an amicable resolution. To my utmost surprise, on XX/XX/XXXX, i received an email from a XXXX XXXX from the XXXX resolution department of BOA who acknowledged our inquiry and promised to address my concerns. She also left her direct phone number, asking me to call for any clarification. It is also very sad to note that XXXX after I received the email she has still not answered my calls, messages and emails on the subject. 

I reached out to BBB again complaining about the treatment I was getting from this particular individual and a few minutes later, the same XXXX XXXX responds to XXXX  claiming that she was going to send a physical letter to my attorneys address to respond to my inquiry. I have attached the response from XXXX XXXX which to me seemed very ridiculous because I had asked her to copy my attorney in one of my unreplied emails to her. Instead of addressing the inquiry which she promised to, she chose to send a letter to DC to inform my attorney that he wasnt an " authorised signer. 

What I find extremely ridiculous was the time she spared to respond to a non authorised signer but has not engaged the account owner once, even after the account holder/owner had expressly requested via email that she copies his attorney on correspondences. I do not reside in the XXXX, so it made sense for me to have a physical address/ contact which would facilitate any vetting process. 

It will be pertinent to mention that I have a banking background and I shudder at the deliberate attempt by your XXXX XXXX to seize and inconvenience customers without any feedback. To further demonstrate my willingness to settle amicably, I would request an immediate replacement of the case officer on this particular account to someone more efficient to allow for a quick resolution of this impasse.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WV)

Checked my loan status in XXXX to prepare for repayment. Submitted my borrower defense application & submitted my SAVE application to prepare. I chose to have my loans put into forbearance while my application was in process. On XX/XX/XXXX & XX/XX/XXXX I received an email notification stating that a forbearance was put in place on my loans. Upon checking i did show that no payment was due. On XX/XX/XXXX, the forbearance had been removed and a payment was still showing due. I sent a message through the online portal for review. On XX/XX/XXXX, I logged into Mohela and my account status still showed a payment due despite receiving a reply from my online message regarding the forbearance which was still not showing on my account. I contacted XXXX on XX/XX/XXXX who stated that they couldn't understand why my forbearance was not applied & they were going to escalate the issue. I contacted them again on XX/XX/XXXX due to no resolve. I also sent another online message which I still have not received a reply from. I contacted Student Aid who did resend the forbearance notification to mohela on XX/XX/XXXX & today my payment is still showing due.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX *XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account # XXXX. The dates of last activity for this account are reported inconsistently across XXXX, Experian, and XXXX as follows : - XXXX : XX/XX/2019 - Experian : XX/XX/2019 - XXXX : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

im filing this report against the XXXX major credit bureaus. XXXX XXXX and Experian have been reporting inaccurate information or my consumer report. I first want to say Ive never given these companies permission to furnish anything on my credit report they art violating my rights and committing Identity theft with these actions. I demand that this account be removed from my consumer report as soon as possible and bh law they have 4 days to remove it. once removed i would like and updated copy of my credit report be sent to my mailing address. This action has cause complete turmoil in my livelihood and I am prepared to collect XXXX for each inaccuracy placed upon my report
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I have long disputed this debt that appears on my credit. I have reached out to both the original creditor XXXXXXXX XXXX XXXX As well as the company that has purchased the debt Midland Credit Management and I have asked for a full and proper audit to be done. Not one using software that can give incorrect information. The reponse I have received is that a bill was sent to my address and that the account was opened using a phone number that is registered to me. This is false. I have not had a phone registered to me in over 8hrs. These companies have refused to provide me with information that is outlined in the FCRA and they are violating my rights. My next steps will be legal action against XXXX XXXX XXXX and Midland Credit Management for violating my rights and for unfair collection practices.