davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Account numbers # *XXXX  Account # XXXX *XXXX  Account # XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX *XXXX  Account # XXXX
Consumer complaint received 2019-08-27
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. (LA)

An hard inquiry was made on XXXX XX/XX/2019, from Equifax Mortgage Service that was listed from Miscellanies Reptg. Agencies. I was checking my XXXX XXXX  and I saw under the Equifax section I was hit for something I didnt approved of.
Consumer complaint received 2021-07-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The attached exhibits clearly display each violation of federal law against my consumer rights that XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. XXXX  XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX  XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX  XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX  XXXX XXXX account # : XXXX should be deleted from all XXXX of my credit reports ( XXXX, XXXX, Transunion ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (AZ)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XX/XX/2020 Made with : Experian
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I signed up for paperless billing this week. Today I received an email from Bank of America saying my payment on the XXXX XXXX credit card of {$38.00} was due by XX/XX/2020. I knew I owed more than that so I checked my account online. Sure enough, I owed {$5200.00} this month. The {$38.00} payment was the minimum payment due BUT the email did not say that. I find this absolutely appalling and I know this is how companies keep people on the hook by charging interest each month on the ever growing balance. This is usery and should be illegal.
Consumer complaint received 2021-07-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2020-06-03
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. (IL)

I have been trying to work with this company for over a month. They promised me that this loan would help " build my credit ''. When I took out the loan, I paid it off in 4 months to avoid a huge amount of interest they would tack on. I was NEVER 30 days late and paid this loan in full. They continued to report to the credit bureaus that I owed {$1200.00}. I filed disputes with all XXXX bureaus, but whoever responded on the creditor 's end responded to the bureaus with false information. They stated that I was 30 days late, only had the loan for 1 month ( which hurt my score by 40 points ), and deleted my 4 month good payment history. They also did not update anything with Experian and reported it as a " boost self managed account '' which is wrong. I have called them over 5 times ( 2 hour hold times ), emailed their 2nd level support ( XXXX XXXX ), and faxed XXXX XXXX. She continues to tell me to " call in '' but when I finally get someone on the line they tell me to " talk to XXXX ''. This is company is UNBELIEVEABLE and THE WORST FINANCE COMPANY EVER! I NEED THIS INFO ON MY CREDIT REPORT FIXED ASAP AS IT HAS MADE MY CREDIT WORSE AND I HAVE DONE MY PART WITH THE LOAN!
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (CA)

I tried to apply for financing for a vehicle was denied. Which is a violation of 28 USC 3002 ( 3 ). They also violated 18 USC 8 all debts are obligation of UNITED STATES. They also violated 15 USC 6803 they ran my credit without written consent. They also violated XXXX cfr XXXX, XXXX cfr XXXX my signature was the credit. They also violated 15USC 1605a they said i need a down payment. they also violated 12 cfr 1002 I the consumer made an credit application in good faith but no credit was issued. They also violated 15 usc 1692k there was no equal opportunity. all these are violations of the consumer bill of rights access to basic goods and services. By me filling out a application it also created a fiduciary obligation with the trust it was in my best interest. by denying me that was XXXX XXXX XXXX XXXX XXXX XXXX ) which is a violation of 18 usc 3333. I feel these violations are a violation of my civil rights under 42 usc 1983,1985, 1986, 1988 and 18 usc 245, and 242.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I applied for the Bank of America XXXX  XXXX XXXX credit card on XX/XX/2023. This was an in-flight promotion on an XXXX  XXXX XXXX XXXX The promotion stated on promotional offer we received in flight from a flight attendant stated XXXX miles were to be credited for {$2000.00} spent within 90 days. The promotional card had a XXXX code which I clicked thru in order to sign up for the credit card and receive this promotional offer. 

I spent the required {$2000.00} between XXXX and XXXX of 2023 and expected the miles to be credited thereafter. I called Alaska XXXX in XX/XX/2023 to ask why my miles hadn't been credited yet, they informed me that Bank of America manages the promotions and I would need to speak to them. I called Bank of America XXXX XXXX in XXXX 2023 and was informed that the promotion associated on my credit card account was for {$3000.00} minimum spend within 90 days. I went into a Bank of America XXXX XXXX  in XXXX on XX/XX/XXXX to inquire about why the promotion on my credit card account was different from the one I had signed up for. A ticket was supposed to be opened that day to escalate my issue. 

I called Bank of America again on XX/XX/XXXX to follow up on my escalation, only to be told that no ticket was ever opened. The agent opened another ticket on XX/XX/XXXX. On XX/XX/XXXX XXXX received a letter in the mail from BoA saying they were unable to credit the miles onto my account because the promotion required {$3000.00} minimum spend - even though this was NOT the original promotion I signed up for. 

I requested that the annual fee of {$99.00} be credited back to my account since BoA had changed the credit card promotion in the system and it was now different from the original promotion I signed up for. They refused to credit back the annual fee. 

I have since closed this credit card.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

On XX/XX/2021, I sent Collection Bureau Hudson Valley a debt validation letter in regards to an XXXX bill that they claim I allegedly owe. On XX/XX/2021 they sent to me by mail a copy of the bill from their client, XXXX XXXX, which under the Fair Debt Collection Practices Act 15 USC 1692g, is not the five ( 5 ) items that Congress says a debt collector must provide to me ( the consumer ). On XX/XX/2021 I sent a request to the credit reporting agencies XXXX  and XXXX  to have this account removed from my consumer report but the credit reporting agencies responded saying that Collection Bureau Hudson Valley certified that the information is accurate so the account will remain on my report. On XX/XX/2021 Collection Bureau Hudson Valley responded to my CFPB complaint and noted that they will request to have this account removed from my report within 30 days. 30 days later on XX/XX/2021, the account is still on my report and they are certify to the credit reporting agencies that this account is accurate.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I contacted Wells Fargo after sending in my hardship and financial paperwork and there were a few items they requested on XX/XX/18, I returned those documents on XX/XX/18 and they confirmed they were received on XX/XX/18 but they scheduled a sale date on XX/XX/18 for XX/XX/18 and said they because they received the documents less than 37 days before the sale date they can not help me and I need to reinstate if I want to keep my home.
Consumer complaint received 2018-04-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GENTRY FINANCE CORPORATION (UT)

This company has contacted my employer several times after being asked repeatedly to stop by my boss. I have also told them to stop contacting my work, and they kept calling. They said today XX/XX/18 the only way to fix that is to come in today and pay this. Or youll be getting sued and were working with an attorney now. I replied that I would go pay then as soon as I could but that I didnt want them to contact my employer again. She said it needs to be paid today or we will. I spoke with XXXX at convienient loans
Consumer complaint received 2022-06-10
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: BARCLAYS BANK DELAWARE (WA)

Theres a hard inquiry on my XXXX report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And XXXX said I had to report it with the Federal trade commission before filing dispute
Consumer complaint received 2020-12-09
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. (IL)

I sent a letter to dispute an old address that I never lived at and experian refuses to delete this particular address XXXX XXXX XXXX in XXXX Il XXXX XXXX XXXX XXXX, Il I have never lived there yet it appears on my report snd when I dispute it its not being addressed when I checked my membership with experian they claim there having technical difficulties and you never see the result but on XXXX XXXX I screen shot there deletion which I never got a updated letter by the address I have on file Ill upload there deletion that they took back Please help
Consumer complaint received 2024-02-27
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. (FL)

I contacted Transunion I was in the hospital and did not initiate the 4 hard inquiries on my account. They refused to remove them even with my medical records I had XXXX XXXX XXXX They said I had to contact you.
Consumer complaint received 2022-06-10
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. (WI)

In accordance with the XXXX XXXX XXXX and XXXX XXXX XXXX Account # 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 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
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. (VA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (SC)

I noticed that there a inquires on my credit report that I did not authorize. I have never applied to these companies and have not given verbal or written authorization for anyone to review my credit report. I have completed a police report & identity theft report and I want these things deleted. I notified Equifax about this months ago and they have not done anything at all. I am attaching the documents in hopes that you can help me get these things gone from my report.
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Good afternoon. I would like to file a complaint on XXXX as well as XXXX, XXXX and XXXX. I was reviewing my credit report and discovered several medical bills in collections. I disputed the accounts XXXX and XXXX with all ( 3 ) bureaus several times and the accounts came back as verified. I sent a letter to XXXX on XX/XX/18 requesting validation. The responded on XX/XX/18, but the information mailed does not verify that either account is mine. This information could have been falsified or made up. Again I requested very specific information again, I was sent the same thing. I would like to complain on the bureaus as well. They keep verifying the information, but how if the collector can't even verify the information with me the consumer. It appears that some of the accounts were deleted for a few of the bureaus. I need both accounts deleted from all bureaus. It has been more than 60 dates and ( 2 ) attempts with no validation. I WANT BOTH ACCOUNTS REMOVED or I will be filing a suit against Collection Agency and the bureaus.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/year> I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/year> this agency continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, XXXX, XXXX as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 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.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BUS ADMIN ODA , 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 2021-07-07
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 have sent the credit bureau an affidavit of identity theft police report as well as the FTC report listing the exact fraudulent items on my credit report I have sent these documents XX/XX/2021 with still no resolution to the issues I am needing help to get these items off of my credit report.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (MO)

XX/XX/XXXX i was never in a hospital since XXXX  and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.