davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

As discussed in greater detail in the attached documents ( Exhibits A-D ), we learned on XX/XX/XXXX, that our XX/XX/XXXX estimated tax payment of {$20000.00}, that we had mailed to the IRS for XXXX taxes, had been stolen or otherwise diverted from the IRS, that a fraudulent check to an individual unknown to us, with a notation reading gift, with a forged signature had been fabricated and substituted for the check to the IRS, and that Bank of America had paid out that fabricated check through a mobile deposit at a Georgia branch of XXXX XXXX XXXX XXXX. Although we had signed up for fraud alerts on our account, Bank of America did not send us a fraud alert or make any effort to verify this check notwithstanding that the signature bore no similarity to either of our signatures, that it was written on a different check template from our checks and that it was a huge amount of money written to an individual and deposited as a mobile deposit in a distant bank. 

We immediately filed a fraud complaint with Bank of America and had expected it to honor its obligation not to pay out forged checks and to reimburse us for their gross error. Having recently learned only this month that Bank of America does not intend to do so, in fact has failed to investigate this matter at all despite having taken over XXXX months to " research '' it, we file this Complaint. We request that the CFPB XXXX Bank of America 's failures to honor its responsibilities to its customers ( we assume we are not alone ) and direct the bank to reimburse funds that have been stolen through forged checks. 

Thank you for your attention to this matter.
Consumer complaint received 2023-01-21
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 XXXX. No : XXXX clearly suggest conflicting information of XXXX.High balance, XXXX. Last activity and XXXX. Last payment which are 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 XXXXXXXX XXXX XXXX {$0.00} $ XXXX Last 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 2022-10-04
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2023-01-15
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. (IN)

XXXX XXXX child support XXXX XXXX XX/XX/2023 Pursuant to 18 USC 8, I owe no debt to this company. This company is violating my consumer rights by putting this on my credit report. USC 1681B 2. 


I am currently in litigation, and this needs to be removed from my credit report
Consumer complaint received 2024-02-22
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. (FL)

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 XXXX5 USC 1681.

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 2023-01-21
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: WELLS FARGO & COMPANY (TX)

It saddens me that Wells Fargo is stalling when it comes to dealing with my complaint. In complaint XXXX reminded Wells Fargo of XXXX XXXX back in XX/XX/XXXX where I agreed to give them a lumpsum of money, {$1500.00} to be exact, in exchange that they would remove all negative information regarding this account and they DID NOT keep their word which is against the FDCPA. Instead of Wells Fargo addressing my complaint they say that they have opened a case and asked me to supply information to help them Identify me. The case number they gave me is XXXX. 
What I find disgusting is Wells Fargo said they couldn't identify me. In my Complaint I submitted the documentation that is requested by the FTC for identifying purposes, Wells Fargo is blatantly ignoring my request. This is not my SECOND complaint in the CFPB and if this isn't handled properly I will move forward. Now to show that I am in complete compliance with getting this resolved I will be supplying again the information Wells Fargo is requesting. 
My name is XXXX XXXX, the account I am referring to was closed almost XXXX  years ago so I do not have the whole account number but it is listed on my report as XXXX, the last XXXX digits of my SSN is XXXX. 
We agreed almost XXXX  years ago that I would give you all a lumpsum of money in exchange that you all would remove all negative information from my report. I kept my agreement and yet you all continue to report negative information regarding this account. I am asking that Wells Fargo either refund me {$1500.00} or remove all negative information from my account which is what we agreed would happen.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report in trans union credit Bureau I found something suspicious that i didn't recognize it is called XXXX XXXX they did a hard inquiry without my approval this was on XX/XX/2022 I tried calling them to find out the issue the number was a scammer when i try to reach a representative they hang up on me few times their number that is listed in Trans union is XXXX address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX please track these scammers and send me a letter for that to ask the credit Bureau to remove them from my records
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (NY)

Hello there, I hope this message finds you well. I'm reaching out because my rights to privacy under 15 USC 1681 have been violated XXXX times. I have not given Experian written permission to furnish these accounts/ inquires on my credit report. 



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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} has violated my rights. 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
Consumer complaint received 2023-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I believe my loan is an FHA loan, but I can not find any information on that. 

My loan, which I have had since XXXX, has been transferred 3 times in the last 2 years. 

Each time, the new mortgage holder adds insurance ( escrow ) to my loan, which I have never had since the start of my loan. I have provided them all with proof of insurance, several times, however, they refuse to do anything about the insurance they have already deducted. My loan clearly states I can only be charged escrow if I do not have insurance. Again, I have given them proof several times. 

The issue began with XXXX XXXX XXXX when I put my loan into forbearance for COVID-19. I sent them letters, called, with no help. 

Due to each of these companies adding insurance to my loan, when they had proof I had insurance, by loan principal balance is at least {$1000.00} more than it should be had the payments been properly applied.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (WA)

I requested a refund XX/XX/31 haven't received it. I want to apply for the student loan forgiveness before my grace period ends as it takes weeks to process. People have received their refund in days while i've been waiting for months. I called today XXXX and they haven't even processed my refund!
Consumer complaint received 2022-10-04
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. (GA)

I have constantly trying to dispute incorrect information on my credit report from these agencies that are not governed by law via myself as well as a credit company and still have yet to see any results. Please rectify said issue, this is grave danger to my livelihood.
Consumer complaint received 2022-10-04
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)

Please investigate and delete the following accounts that do not belong to me : 1. XXXX XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-02-22
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. (CA)

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. 

XXXX XXXX : # XXXX, : XXXX # XXXX has violated my rights. 

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 2023-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

This is so frustrating because you have these companies like PayPal charging and making huge money but seemingly refuse to deal with even the smallest of details, details that are core to why people use them and are supposed to have confidence in which I'm referring to consumer protection features they boast about! The first complaint was about a flaw in their system regarding filing a claim and no doubt they did nothing to correct it. That situation was over returning a product and now I have returned the product, did everything I was supposed to do and within the proper timeframes ... PayPal closed the matter indicating I did not respond on time but XXXX, on XXXX I got a notice that hadn't provided tracking information but I have an email from PayPal on XX/XX/XXXX stating, 'thank you for providing the tracking information ... ' ( email provided ). On XXXX I sent a message that I had provided the tracking information, no response. On XX/XX/XXXX I got a message that the case was closed but without a refund. In fact, the item was delivered to the seller on XX/XX/XXXX but yet still no refund and PayPal has done nothing, even acknowledged they had the information...
Consumer complaint received 2021-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX and have been trying for weeks in an attempt to get my dispute of fraudulent charges/ unauthorized transactions approved by Td bank with no success in which I have done everything they have asked. 

I am a victim of clear fraud through the social media app called XXXX. My friend on the app named XXXX XXXX XXXX had his account hacked and his identity stolen. The hacker impersonated XXXX XXXX over XXXX prompting me to use XXXX to invest under false pretenses. 

At the time I was not aware he was hacked, I thought I was investing money with a friend. I authorized {$1000.00} using a crypto exchange app called XXXX in which I got a td text to approve. 
I soon saw unauthorized transactions of another {$1000.00}, {$8200.00}, {$240.00}, {$30.00}, {$30.00} which I DID NOT AUTHORIZE and DID NOT GET A TD TEXT. 

I got suspicious when I was not able to get my investment or profit back so I contacted my friend with another form of communication in which he informed me he was hacked on XXXX and reported it. Knowing that I got defrauded from identity theft, I had provided police reports, reported to Federal Trade Commission, office of general attorney to Td bank to get disputed as I should as per FTC clearly stating this is fraud. As per police, it is fraud. I have done all that is asked to have these fraudulent disputes approved yet with no success.
Consumer complaint received 2022-11-23
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)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (TX)

I Was looking at my credit report with Experian they have listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these collections are inaccurately listed on my credit report. Validation of the collections was never submitted to me as per new law dated XX/XX/2021 where as the collection agency give me the consumer the opportunity to value to validate the debt.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (SC)

I'm exercising my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XXXX XXXX, 2021. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.
Consumer complaint received 2022-12-01
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)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency.

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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. 

XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX NC ) Account # XXXX
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (IA)

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. 

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 has violated my rights. 

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.