davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX states the Creditor to whom the debt is owed as Bank of America, N.A. s/b/m/ to BAC Home Loans Servicing. ( enclosed ) 2 ) The true secured creditor was revealed by BAC as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX XXXX on behalf of Bank of America. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of BAC Home Loans Servicing as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I never gave Bank of America permission to sale or trade anything from Cash management account I never gave Bank of America permission to change or to change beneficiary with the SEc filings report I own 10 % of the company someone taking an that why account got close illegally transaction embezzlement money laundering by law u have to contact the stock holder any transaction failed to do that any loans grant 's anything failed to do that leave me one reason the next person who changed anything on my account file federal charges my shares my interest better be deposited in to my Cash management account
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (OK)

I was contacted by this company in 2016 in regards to money that I allegedly owed my previous apartment complex. I left this apartment of my own free will, when my lease was up. Prior to this, I had not been notified of this supposed debt by the apartment complex, although they had my contact information as well. When talking on the phone with this company, I asked for a receipt of this supposed charges, and they told me they could not provide one. They also told me I would need to contact the apartment complex to get a receipt. I did that in 2016, and to this day I have not been sent a receipt from either company detailing these alleged charges. I was also never told that I could dispute these charges within 30 days, and the debt collector would have to validate the charges themselves. In addition, since I was originally notified of this alleged debt in 2016, the amount owed as continually gone up. They are now claiming I owe almost {$300.00} more than the original amount.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, the following inconsistencies can be observed : The Date Opened of the account on XXXX is XX/XX/XXXX, while on Experian, it is XX/XX/XXXX. There is a difference of 24 days between the XXXX dates, which indicates a reporting error. 

The Date Last Active on XXXX is XX/XX/XXXX, while on Experian, it is XXXX XXXX XXXX There is a difference of 96 days between the two dates, which also indicate a reporting error. 

The Payment Status on XXXX is Unknown, while on Experian, it is Current. This inconsistency can indicate a failure to report accurate and complete information to the credit reporting agencies.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete. In addition, FCRA Section 611 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate information on their credit reports and requires the credit reporting agencies to investigate and correct any errors. 

In addition, the account comments state XXXX XXXX bankruptcy for XXXX and Account has been closed due to inactivity for Experian. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Eagle Financial Services, Inc. (OH)

They are calling people and telling telling them that I put them down as a reference and for them to tell me to contact them, but they are calling anybody and everybody they can find associated with me that I did NOT write down as contacts. I have voicemails from the people and the latest one is today on XX/XX/2024 but I have proof of occurrences counting in the double digits of them contacting people that I never spoke of, or gave them permission to contact.
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (TX)

I am writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

Hello, Someone has opened a credit card using my identiy ; name, phone, mailing addres, SSN with Best Buy. There was a balance reported to my XXXX XXXX account of {$3600.00} on XX/XX/2021. I spoke with Best Buy and let them know that this was a fraudlent activity and that I did not open this account. I also received this the letter in the mail with the physical credit card asking me to activate the account on this exact date. I was told that the transactions was made in Massachusetts which is strange because I live in Georgia and never in my lifetime have I ever visted Massachusetts. I don't know if this would support my case of if it's relevant but I don't even shop at Best Buy nor will I ever because I've always had an opinion that their prices are so high when it comes to home appliances or electronics. 

There was another incident where either the same person or some one else used my identity to open an account with XXXX XXXXXXXX. The balance was {$1500.00} and this was reported on XX/XX/2021. I reported this to the credit card bureaus as a fradulent activity as well but haven't heard any updates. 

As a result, these activities have hurt my credit card score immensely and it hasn't been resolved yet. My credit card score was XXXX and has been knocked down to XXXX in a span of a week.
Consumer complaint received 2017-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have contacted Portfolio Recovery Associates LLC several times asking them why two separate accounts are still listed as in collections on the 3 major credit reporting agencies. I had paid both of these accounts back in XXXX of XXXX and the other one in XXXX of XXXX. They are still listed as in collections with a XXXX balance. I had talked with Portfolio Recovery and they had stated that they do not delete anything from the credit files. So I then contact all 3 credit reporting agencies and I was told by them that they do not delete them from the credit reports. They had went on to tell me that is up to the debt collection company. So I kept calling Portfolio Recovery asking if they could remove this information off of my credit reports. They did say they had sent out letters to the credit reporting agencies after the two separate bills had been paid. I had asked if they could send me those letters in the mail. They had told me that they could not send me those letters. They had stated that they were only for the credit reporting agencies to have. Even XXXX months after these bills had been paid they are still sitting on my credit reports as still in collections status.
Consumer complaint received 2023-04-18
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. (MI)

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 : 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 2022-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

CFPB THIS IS NOT A DUPLICATE MY LAST COMPLAINT WAS MARKED AS DUPLICATE MY QUESTION WAS NOT PROPERLY ANSWERED : I, XXXX XXXX, Consumer, just have a simple question for XXXX XXXX XXXX XXXX. Please provide me with Documentary Evidence meaning all papers, correspondence, books of account, and financial and corporate records. Because XXXX XXXX XXXX XXXX stated Please note that XXXX XXXX is not a nationally recognized credit reporting agency and we do not report accounts to them. I totally understand your words XXXX, However, you do report to Experian XXXX XXXX XXXX XXXX, etc. Now can you please provide me with the details, documentation of how I, XXXX XXXX, paid 85 % of the loan XXXX stated was loaned to me XXXX XXXX? Because it is evident that the same 85 % paid of the loan are being reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports to. So Im simply asking a question, Im aware that XXXX is not providing me with full disclosure according to 15 U.S. Code 1632. Now can you please provide me with full disclosure. And If you cant provide me with proof and full disclosure of what XXXX XXXX XXXX XXXX are reporting to the credit reporting agencies, I am putting you on notice and demanding that XXXX XXXX XXXX XXXX cease and desist communication with my consumer credit reporting and remove all negative and illegal items you are reporting on my behalf pursuant to 15 U.S. Code 1692c ( c ) and UPDATE my account to the credit reporting agencies as PAID AS AGREED. Also, Pursuant to 15 U.S. Code 1681s ( B ) Thanks in advance for your cooperation. Best regards, XXXX XXXX, federally protected consumer.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

I have been sending tonnes emails contains below details but has been ignored & not resolved! 

XX/XX/2021 i have transferred my XXXX voyager token  from my Coinbase wallet to my Coinbase exchange account. But this time my token not transferred it has gone missing. I have reported to coinbase exchange. As return respond it was generic email that i was upset with most trusted platform with that response. Claiming token wasnt supported ( i have evidence that it was ) otherwise how could i be able to copy paste receiving token details & and do the process.it does not make sense. I have all the copy & evidence it was. Coinbase try to claim voyager token was supported by Coinbase pro but it wasnt otherwise I would transfer to pro instead i have pro account too. It was available to receive from Coinbase exchange. I know was not available to purchase but it was available to receive which where i was copy paste the address. Also Coinbase wallet ( where i kept my voyager token initially ) sent me email to confirm it has successfully transferred or sent. 

I look forward to receiving my token either back to my Coinbase wallet or Coinbase exchange. As a US citizen I believe American most trusted crypto platform will take this matter seriously & take action to fix my issue as regular customer Input : in last 2 weeks i have transferred successfully my other XXXX crypto tokens from Coinbase wallet to coinbase exchange account which was XXXX token & XXXX tokens. Reason i am saying this because im not new to system which is i do this type transactions regularly & successfully until this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX
Consumer complaint received 2020-02-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A letter was sent to Experian on XX/XX/2019. Included were 4 accounts that needed to be updated or removed. This was a follow up letter for my initial request for validation of debt that was also ignored by Experian. This investigation was originally started XX/XX/2019 and additional time has been given to allow the bureau to complete its investigation. The items are clearly not reporting correctly or a response to the dispute would have been issued.
Consumer complaint received 2018-09-21
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: EQUIFAX, INC. (GA)

I didn't authorize ( authorization ) too view or pull credit ( Identity Theft Victim - Equifax Data Breach ) ... 

Inquiry details XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 Complete Dept. XXXX XXXX XXXX, XXXX XXXX   XXXX from XX/XX/2018
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

My wife and I received a letter in the mail dated XXXX XXXX, 2016, from XXXX Mortgage stating that the servicing of our mortgage had been " assigned, sold, or transferred to Lakeview Loan Servicing, LLC, '' and that we " will be receiving a letter with [ our ] new loan number and instructions for making [ our ] payments from the new servicer. '' We waited, as instructed in XXXX 's letter, for instructions and a new loan number from Lakeview Loan Servicing, LLC, but, it is now XXXX XXXX, and we have still not received a letter from the new servicer. I tried calling Lakeview Loan Servicing, LLC, twice this morning, but I ca n't reach anyone there. The second time I called, I was on hold for over thirty minutes and their phone system hung up on me. 

I tried to set up an account online on their website in order to create an automatic recurring payment, but I need my new loan number from them to do that, and I ca n't get my new loan number until they send me something in the mail or I can reach them by phone. It 's like they do n't want our money. 

We just want to make our payment on time. It is incredibly frustrating to wait and wait and never hear from our new servicing company, and then when we need to reach them, we ca n't even get them on the phone. It 's disappointing that, as consumers, we have no say in who services our mortgage, and we are stuck with any company our loan servicing is sold to, for up to 30 years, regardless of the new servicer 's customer service record, without our consent.
Consumer complaint received 2017-12-29
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: CarFinance Capital LLC, Irvine, CA Branch (DE)

Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Account XXXX XXXX is reporting inaccurately on the credit profiles associated with my social security number and my consumer rights are being violated per the following information : There are a few inconsistencies in the account details between XXXX, Experian, and XXXX on my credit report. 

Firstly, the Account Status is reported as derogatory in XXXX, while it is reported as open in Experian. This inconsistency is a violation of section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report the " current '' status of the account. 

Secondly, the Account Type - Detail is reported as " Credit line secured '' in XXXX and " Secured credit card '' in Experian. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Lastly, there is a discrepancy in the High Credit amount reported by XXXX and Experian. XXXX reports a High Credit of {$340.00}, while Experian reports a High Credit of {$0.00}. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Additionally, the Debt states that it is included in or discharged through Bankruptcy XXXX XXXX reported in the comments section and is inaccurate and requires investigation.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. Violation XXXX PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX violation 2 REMARKS : NOT SHOWING NOTICE OF DISPUTE. Violation XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IS REPORTING THIS ACCOUNT HAS BEEN CHANGED FROM XXXX  days late too XXXX  days late that inaccurate information MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & XXXX  DAYS NO LATES IN PAYMENT HISTORY. Violation 1 LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect .violation XXXX LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE XXXX  DAYS LATE. Violation XXXX Remarks : THERES NO NOTICE OF DISPUTE. Violation 4 PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation 5 Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION STOP UPDATING THESE ACCOUNTS Want removed