davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
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: Vander Financial, LLC (CA)

There is inaccurate information reporting on my credit report. Therefore I requested a Investigation into this matter from XXXX, XXXX, & XXXX on XX/XX/XXXX. XXXX XXXX XXXX " XX/XX/XXXX '' & XXXX XXXX XXXX " XX/XX/XXXX '' are not my accounts. It has been well over 30 days & I have not received a reply from any of the credit bureaus. Under the fcra these unverifiable accounts please remove from my credit report as soon as possible.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

This company is attempting to collect an erroneous collection from me. I have disputed this every month from XX/XX/XXXX to XX/XX/XXXX between the company itself, XXXX XXXX XXXX XXXX XXXX. However, I have received computer-generated responses and have not had a thorough investigation regarding the dispute or a human manual review. 

The correct violations are as follows per the Fair Credit Reporting Act ( FCRA ) 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/permission. They have no permission to report ANYTHING using my info pursuant as outlined in section 4 18 U.S.C 8, I owe no debt.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

Today I received a notification on my credit report from this company for an alleged debt. I haven't done any transactions or communications with this company nor have I shared any of my personal private information with this company. They are violating my rights under FCRA and FDCPA invading my right to privacy and furnishing accounts without my consent or authorization. I would like for this account to be deleted removed and blocked asap
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent letters requesting my information be updated to Experian, XXXX, and XXXX They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.
Consumer complaint received 2023-03-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (FL)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX XXXX are reporting inaccurate information on WELLS FARGO CARD SER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

WELLS FARGO CARD SER Acct # XXX Date Opened XXXX XXXXXXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-02-14
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. (TX)

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

XXXX XXXX Account : XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX XXXX Account : 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 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 items 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 2018-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (FL)

This account was paid off by the insurance company XXXX. This is my second time disputing this medical account with your bureau. Back in XXXX this account was disputed Under collection agency name XXXX. Now its been resold to Debt recovery solutions. And Im not sure as to why a paid medical account. Keeps being resold and reported on my credit report. But it needs to be removed ASAP. I plan on taking legal actions against the original creditor XXXX XXXX. For not resolving this issue as promised. This is what you call billing fraud. Attempting to collect money on an account that has been paid off
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2018 XXXX XXXX  should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (TX)

Discover closed my credit card after I missed XXXX payments after having emergency XXXX and was out of work. I barely had money to pay my rent or take care of my children. Discover blocked me from accessing the discover portal to even see what my balance was. Discover closed my card XX/XX/XXXX. I was out of work XX/XX/XXXX to XX/XX/XXXX. I didnt receive my short term XXXX until XX/XX/XXXX. Fast forward to Saturday afternoon XX/XX/XXXX. Theres a knock on the door. Its an XXXX guy in a XXXX  car. License plate hanging off the front bumper dressed in regular clothes : grey tshirt, black sweatpants, and slippers. He asks my son if I am home. I come to the door he hands me an envelope with a paper attached to it and walks off. I open the envelope to find crudely printed copies of a lawsuit from discover that was filed in the court on the XXXX of this month. This man could have been anyone. I dont have visitors to my home except for family who live in another state. There was no badge, no paper to sign, nothing. Very unprofessional and according to Texas law illegal. 

A number of Texas statutes designate the XXXX of XXXX as a process agent, authorizing the XXXX of XXXX to accept service on behalf of another person. Statutes Designating XXXX of XXXX as Process XXXX. 

In addition to the statutes designating the Secretary of XXXX as process agent, the procedures for serving a person through the Secretary of XXXX are governed by Rule XXXX of the Secretary of XXXX administrative rules, the Texas Rules of Civil Procedure, the local court rules, and any other applicable law. 

Generally, service on the Secretary of XXXX XXXX be made by : A sheriff or constable A person over 18 years of age authorized by written order of the court A person certified under order of the Supreme Court The clerk of the court in which the case is pending ( by certified mail, return receipt requested ) The party or the representative of the party ( by certified mail, return receipt requested ) Any other person authorized by law See Tex. R. Civ. Proc. Rule 103 ; Tex. Civ. Prac. & Rem. Code 17.026. 

After reading the paper that was sent I see Discover went to Abclegal.com and created the entire lawsuit. The amount on the paper is much more than what I owe. I had a limit of {$4900.00}. The balance is over {$6000.00} now. I was always faithful and timely with my payments. I got sick in XXXX of XXXX and things got bad for me. I had my first episode in XXXX of XXXX and then a major episode in XXXX of XXXX. 

I understand a judgment is a way for Discover to seek damages. There was no damages brought to discover the damages were done to me. The paperwork received is a poor copy of maybe an original I have no idea. Its black and white and missing lots of the information. Part of the paperwork isnt even filed out so this is all questionable. The paperwork is barely legible!
Consumer complaint received 2023-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For four months I have been trying to get Bank of America to add my checking and savings account to a trust I have established with my wife. I contend that Bank of America has deliberately and repeatedly misconstrued my instruction in an effort to generate more business for the bank. On at least FOUR separate occasions I have stated that I want to add my accounts to an existing trust. EVERY TIME the response was " Oh, so you would like to set up a trust '', meaning that rather than follow my instruction they seize on this as a sales opportunity. This has happened to me by telephone repeatedly - I spent OVER an hour trying to get this done, only to have the bank send me paperwork to open a new trust account with the bank. On a separate occasion, I was sent the paperwork I needed, I sent it back, and was told in late XXXX that there was an error with the paperwork, but they couldn't tell me what it was, and I would have go to the bank to " set up my trust ''. Again I stated that I was ADDING the accounts to an EXISTING trust. Their objective was to FORCE me to go to the bank. I had the matter escalated by contacting the executive office. The executive office told me my signed, notarized paperwork was all correct - the person who decided it was incorrect had " assumed '' my wife and I were both owners of MY checking and savings account ( ANYONE dealing legitimately with an account would check the owner 's name rather than make an assumption ). But he told me that nevertheless, we would have to go to the bank. 

We went to the local branch on XX/XX/23, stated what we wanted to do, and were met once again with " Oh so you want to open a trust ''. We clarified, the person we dealt with submitted our paperwork again, and we were told we would be called back in a couple of days when it was approved. I called back today after four business days to check the status. I was told I would be called back with the status. Rather than that I got a SALES PITCH to " help me with all my banking needs ''. I asked the salesman if he was calling in reference to my effort to add my accounts to an EXISTING TRUST, and the salesman said " Oh, so you want to set up a trust ''. 

It is IMPOSSIBLE that EVERY person I dealt with misunderstood my requests. CLEARLY Bank of America 's policy is to DISREGARD its customers ' clearly stated wishes, through up ROADBLOCKS that make it impossible to do business other than by going to the branch, where they will be subjected to SALES PITCHES rather than SERVICE for their accounts. I am CONFIDENT that this is in their TRAINING SCRIPTS because it happened 100 PERCENT OF THE TIME. 

Bank of America has been fined MANY TIMES for DISREGARDING its customers wishes, and clearly they have learned NOTHING. PLEASE take further action against them, on behalf of consumers like me who have to WASTE tremendous amounts of time dealing with their FRAUDULENT BUSINESS PRACTICES. Thank you.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (TX)

On or about XX/XX/28 I sent in several transactions that I either had merchant issues or fraud disputes I had originally sent the dispute to my personal banker XXXX XXXX. which it stated on their website is an option. She did not return a call in regards to my message for 21 days. By that time I had contacted the disputes department to get my problem solved. The call was taken easily. I received paperwork and was required to Pay a notary to notarize my dispute. The branch did not have a notary working, so I wasted an hour driving to the nearest location to me as instructed then having to find a notary of my own. I never received any further information of person that information by fax and mail. Were just about 60 days in I have received no temporary credit to cover the disputes. I keep no money in this account but occasionally somethings slips through and further adds fees. However if the money that shouldve been returned my account weeks and weeks ago were there these fees would not be there. Cell my complaint is I have tried to call XXXX XXXX as listed on their website that I can do in regards to my dispute, But she said XXXX unable to do anything and then I have to call the dispute phone number. I have called three times in the last week each time on hold for an hour and at approximately one hour their system hangs up my call.

1. I need bbt to do what theyre supposed to do.

2. I need my money. 
3. I need itll be able to communicate with my bank.

4. I want this to all be over because now I need to close my account because this is a nightmare. But Im Held hostage to this Account for the time being.
Consumer complaint received 2021-05-11
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. (CA)

I am writing to delete the following information on my file. The items I need deleted are listed on files attached. 

I am a victim of identity theft and did not make the charges. I ask that all the items be deleted off my credit report. 

I reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks in advance for your time.
Consumer complaint received 2022-10-11
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. (NC)

Through certified mail I have reached out to Experian on several occasions. I must admit I have had a terrible experience with XXXX and Experian through this whole ordeal. XXXX furnished information on my consumer report that wasn't 100 % accurate and Experian refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Experian to specifically send me the signed documents they have on file concerning the account. I have reached out to XXXX without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them. I believe XXXX misrepresented the auto loan given to me by using predatory and fraudulent actions such as miscellaneous fees and it shows in the furnished information given to credit reporting agencies. I am making this complaint due to Experian failing to uphold the rights of consumers and not properly handling the information with proper procedures when given to them by me ( the consumer ) but only parroting what companies that aren't even reputable are giving them as accurate information.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I clicked through a link with XXXX to apply for an American Express platinum card - the link offered a benefit of 125,000 American Express Membership Rewards Points plus 15X points on restaurant spend. My page timed out, and I continued my application later. When I was approved for and received the card, I found out my offer only gave 10X points on restaurant spend ( a potential loss of 125,000 additional membership rewards points ). Amex refused to honor the original offer after speaking to multiple levels of their management. 

I asked to close my account and reapply for the offer, and they said that I was only allowed one offer in a lifetime, and if I closed my account not only would I not get the lower offer they gave me, but I could never get an offer again on the same card. 

This practice is not only misleading, but it is harmful to the customer in the case of a misunderstanding to preclude / prevent another application.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

XXXX is requesting id bank state or other documents to verify address no utilities bills because I am XXXX, fix it.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (IL)

On XXXX XXXX, I had disputed this debt with XXXX it was a debt that was never verified. XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had also attempted to collect this debt. XXXX had deleted both of these off of my credit report, see attached copies. Nationwide Recovery Systems, never sent me a written notice of the debt. The only way that I was able to find out is, I have XXXX XXXX and they showed the debt, on my credit report. I am sending this complaint because they never verified the debt. Please find copies attached, I would like to know how a collection agency without verification can show an account unpaid and in collection. XXXX XXXX XXXX XXXX, was the 2nd collection agency the first was XXXX XXXX XXXX XXXX. And both of the collection agencies had different amounts. Nationwide Recovery Systems is the 3rd collection agency that has attempted to collect the debt, and they to had a different amount. This is associated with CFPB ID # XXXX
Consumer complaint received 2021-05-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (WA)

The debt with Specialized Loan Servicing ( SLS ) was discharge in a bankruptcy XX/XX/2011. There has been not contact with SLS in more than ten years. SLS has refused to release the lien unless the original discharged debt amount plus interest calculated since the time of discharge. Pease see attachments for details an additional information.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

XXXX is requesting id bank state or other documents to verify address no utilities bills because I am homeless, fix it.
Consumer complaint received 2019-06-26
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. (SC)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT ON MY FILE. THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT WAS INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.