davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX. XXXX, 2021
Consumer complaint received 2019-11-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TOWNE MORTGAGE COMPANY (WI)

We were wrongfully foreclosed on. We have tried multiple avenues to save our home, and have tried communicating with the lender ( Towne Mortgage ) to try and save our home. Everytime we tried we received a short response that they will not assist us by their attorney. We did not get a fair loss mitigation review to help save our home. We have received an audit of our mortgage and there are numerous mishaps that occurred with the mortgage company. We are filing a lawsuit for wrongful foreclosure and the hardship it has caused us. We ask that they cease and desist the sale of our home until the wrongful foreclosure lawsuit is completed.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/2021 somebody charged my debit card in Bank of America ( BoA ) first time for {$2500.00} and then for {$580.00} through the XXXX XXXX XXXX, and twice by {$9.00} through The XXXX XXXX. Totally for {$3100.00}. The BoA alerted me about these payments and I refused to accept them as my purchases while these charges were at the processing stage. The BoA claim ID : XXXX. We asked the BoA to stop processing. However, the BoA ignored our request and has processed these charges. Moreover the BoA asked us not to contact merchandisers ( XXXX XXXX XXXX and XXXX XXXX ) and wait for while the BoA investigates the case. Some time later we found in the BoA 's Message Center that this claim is " resolved -claim not paid ''. It means that the Bank of America just covered this robbery. Instead of finding the person ( s ) who used my debit card information that was stolen somewhere and somehow and initiate the criminal case, the BoA went the easy way to shift the blame on me. As I understand correct, the XXXX XXXX XXXX is financing subprime automobile loans, checked credentials of person who was taken this loan. Therefore, the XXXX XXXX XXXX has information about this person, and could initiate the criminal investigation. However, nothing was done. I have no idea who get this loan. the XXXX XXXX XXXX didn't inform me about operations where my identity was involved. It looks that this is some kind of financial arbitrariness happens in the USA. My wife and me already applied another complaint for the BoA, and XXXX which charged my credit card for more that {$9000.00} and again the BoA decided the we are guilty in those charges. We can not understand what disaster happens in the Bank of America. Instead of protecting their customers the BoA just robs them.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

I received an email notification from macys about my balance so when I logged in I saw I had a credit on my account. I have a few credit cards so I didn't think anything of it and asked them to just send me a check, which they did. Then suddenly about a month later they had charged like $ XXXX to my account so that it would show that I actually owe the same amount as the check. I now realize their mistake but they can't just add a balance to my account without my permission when I haven't even purchased anything nor used the card. I kept contacting them to take it off my account but they kept trying to turn it around on me, like I'm responsible for their mistake. Then to top it off they took a payment out recently when I don't even have my account on autopay. It's beyond infuriating and I've spoken to multiple people and nobody has helped.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE DELETE FROM MY CREDIT REPORT. I HAVE ATTACHED A COPY OF A ID THEFT AFFADAVIT PACKET & POLICE REPORT. I HAVE ALREADY SENT THESE ITEMS TO THE CREDITORS OVER 35 DAYS AGO. TRANSUNION IS THE ONLY BUREAU TO NOT HAVE DELETED THESE ACCOUNTS YET.
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1..Last activity and 2. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 

Name Experian XXXX XXXX activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED. -
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed numerous disputes with XXXX, Transunio and XXXX and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation EXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX I The reporting of these accounts are also violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : 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. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. 10 Requiring payment in gold/coin/currency against public policy and shall be discharged, HJR 192 eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated .
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc. (GA)

AUGUSTA COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has been sending me collection notices in the amount of {$410.00} XX/XX/2018.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I made reservations for the XXXX XXXX XXXX XXXX as a XXXX XXXX member. I was dissatisfied with the room Accomodations that were given to me upon arrival, I made a complaint with the Manager XXXX XXXX /Housekeeping supervisor at that time and I disputed the amount of {$100.00} through my bank on XX/XX/2021 overcharged for the inconvenience with the room accommodations upon arrival to the room and the housekeeping services not done accurately on XX/XX/2021 they reclaimed the charge of {$100.00} back to my bank account. This was not right and they were made of aware of the issues at the XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

BARCLAYS BANK OF DELAWARE REFUSING TO ACCEPT PAYMENT FOR DEBT THAT HAS CAUSED A LIEN ON MY PROPERTY. 

A lien was put on my property back in XXXX after a credit card debt was not paid. Barclays put a lien on my property which I only became aware of 2 months ago ( XX/XX/XXXX ) since I was trying to refinance my home. My ex-husband ( who caused the credit card debt ) had recently signed off the deed and my attempts to resolve the issue have failed, due to lack of cooperation and information from Barclays in order for the debt to be paid. 
The credit card debt was sent to a lawyers office in charge of collections for the credit card debt. This was temporary and we were told by his office that the debt was back in Barclays hands. 
Barclays has refused to accept the payment to tell us where the payment should be and that if we did send a payment we would NOT get a receipt. 

The lien on the property wont go away until the debt is paid. We have the money to pay this debt but we are told that they cant give us information on this account and they cant talk about it. For a month now ( starting XX/XX/XXXX ) we have tried to contact Barclays using many different phone numbers in order to somehow get an answer. 

( In comparison, XXXX XXXX sent a letter stating the amount of the debt for that card and that once it was paid the lien would be removed -- we received the letter within 48 hrs ) It is incomprehensible that Barclays is not being helpful in order that they receive the {$5000.00}. We want to pay this so the lien is taking off the property. We hope someone can help us through this frustrating time. ( penalties are still being added to the account each day since we cant pay for it. Settlement has been cancelled once due to this situation. 
BOTTOM LINE : We need Barclay 's of DE to tell us how we can pay off the debt that is owed to them. An address, a receipt and a letter to let us know that the lien will be removed once the debt is paid! Only then can I move forward with refinancing this home. 
Thank you,
Consumer complaint received 2021-12-22
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. (MI)

XXXX reported an account of mine as a charge off. I have proof from XXXX sub company ; under the same company as XXXX, XXXX stating that the account was settled in full. I have disputed this account numerous time to change the wording from charge off to paid in full however they wont change it. I am an XXXX XXXX XXXX that has been refused a security clearance due to the wording on this account. This is affecting my livelihood and my career.
Consumer complaint received 2021-12-22
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. (VA)

I have items on my credit report that I would like to verify the information on. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove any inquiries that did NOT result in an account being opened.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (TX)

My husband and I were promised a {$1000.00} lender credit which we did not receive per the closing documents. They have tried to say that we got it in other ways which they have yet to prove. Such as a point buydown, it clearly states on our documents that we paid for that buydown. 

My husband and I have requested documents on which program they put us through because we believe that they one they are saying we are in we are over qualified for, AND that the one we are actually in might come back to bite us should we choose to do something different with our home in the future. 

We have asked several times now for proof and our complete file and have yet to receive it.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I was messaged for a job on XXXX, they sent me fake checks to purchase my equipment for the position. I was told to transfer the money to a vendor they worked with, after the third day XX/XX/22 of transferring money I stopped due to suspension of the amount of money I was being told to send. I immediately filed a complaint to my bank BECU and a friend filed a fraud report to the FTC with the provided case number XXXX. My bank today XX/XX/22 suspended my account, told me they are unable to cancel the transactions and leaving me in {$7000.00} in debt in which the fake checks totaled to. They took what I had in my savings to help pay for the debt.
Consumer complaint received 2019-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I was reviewing Experien, and noticed that they had false information about my credit history. I had previously attempted several times to get this corrected. They have an automated system which does not allow for proper explanations and they refused to take my complaint because it involves XXXX XXXX XXXX and they must have a special arrangement - Experien indicated that my unresolved complaint could not be filed because I had filed it previously, although it remains unresolved. 

Experien would not allow me to use the wording, which suggests that they manipulate complaints to the favor of those committing crimes and injustices. 

The Credit Bureau process itself is a bureaucratic process to eliminate complain ts into a void of criminal activity protected by bureauracracy.
Consumer complaint received 2019-09-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Advance America, Cash Advance Centers, Inc. (TX)

Today ( XX/XX/XXXX ) and last Friday ( XX/XX/XXXX ) Advance America has called my employer in an attempt to collect a pay day loan. To my understanding, it is illegal for them to contact my employer in this manner.
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. (OH)

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report. The following is a list of items that were opened without my consent : EXPERIAN : XXXX XXXX  Bankruptcy - XXXX - Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy - XXXX - Reference # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-20
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: AutoBank Financial, LLC (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 u.s.c 1681a-section 602 states I have a right to privacy 15 u.s.c 1681a-section 604a- section 2 in also states customer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-20
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. (NY)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2017 Balance {$420.00} ; XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$0.00} ;