davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

On XX/XX/2021, I contacted ERC regarding an XXXX XXXX XXXX bill that was placed in collections, ( Ref No. XXXX ). I made a settlement arrangement and made payment of that settlement on XX/XX/2021. I was also promised that my file would be updated and the collections removed. I have contacted ERC and is now being told that they were not the original collection agency who placed the account into collection and I would have to look at my credit report to find out who the agency was. I was also told i can contact XXXX XXXX XXXX. I looked at my report and did not see anything. I then decided to contact XXXX XXXX XXXX. I tried for 7 days to get to a rep that could assist me but got the run around ( we no longer have this account, you would have to check with XXXX. When get in contact with XXXX, I was told by the XXXX  rep, you have to contact XXXX XXXX XXXX as they were the original account holder ). I am now contacting the CFPB as I am at a dead end.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Hello and thank you for your services, I'm contacting you with some trouble that I'm having with XXXX XXXX XXXX from an urgent care facility that has since been turned over to a law firm that the collection was sent to. First and most importanly, this bill was not acquired by me but someone else who apparently stole my wallet and/or information to open this account.and secondly they have charged my credit 2 times in the same day for the same service but a {$1.00} difference between the two amounts owed and seperate account numbers, so I'm assuming they double billed me for services rendered in my name.And the third problem I have is its supposed to be illegal for them to pay a collector to come after me, and the third problem is medical is not supposed to be on my report.I super appreciate your help and expertise you can offer. 
Sincerely : XXXX XXXX
Consumer complaint received 2020-11-17
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. (FL)

I certify that XXXX and Experian has been notified through third-party CFPB of fraudulent accounts and alerts on report. XXXX and Experian was asked to validate the account information being reported by providing original certified copy of contractual agreement. XXXX has left remarks that are not accurate on my report, accounts discharged off show a charge-off status with negative remarks. XXXX  has also had my information breached 3-4 times past few years including compromised accounts. 
Can XXXX, or Experian provide certified original contract for XXXX XXXX? Can either agency provide certified contract agreements for the alleged accounts showing an obligation on my report?
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting acXXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I received a notification from Bank of America that there maybe fraudulent charges. The charge was for {$4300.00} overseas to a university in XXXX XXXX. 

I contacted XXXX, and they confirmed the charge was a " guest '' charge, which has nothing to do with my XXXX account. The offender had my credit card details and paid XXXX ( pounds, exactly ) to the XXXX XXXX XXXX XXXX. 

I contacted the XXXX XXXX XXXX XXXX and spoke to Collection Officer XXXX XXXX, who found my transaction, and can identify the student responsible. The student had multiple attempts with other cards. 

I contacted my local police department ( XXXX XXXX Police Department ) and filed a report, which is attached. 

After numerous calls to Bank of America, they have not re-opened my claim. I was not given the reason why my claim was denied. This charge came from a different country,
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

This is a formal complaint against XXXX and Equifax that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from XXXX that validates this debt and Equifax continues to verify the account stating that XXXX has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact Equifax on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED COMMUNITY BANK (SC)

I took out a new home construction loan with United Community Bank. Once construction was complete the loan was converted to a traditional loan. During the conversion 2 loan numbers were created for my home, one thru the banks servicing agency and one with the bank. Both loans are showing the total amount of my home is due. This means I have double the debt on my credit reporting. I have contacted United Community Bank thru the customer service call center, my loan processors ( XXXX XXXX & XXXX XXXX ), regional managers ( XXXX XXXX, in XXXX XXXX  defense she's only known a couple of weeks ), and the collections department all with no resolution. I have sent in multiple statements showing the 2 loan numbers and cashed checks. In one instance I sent a cleared check for XXXX and XXXX and I was told XXXX XXXX payment was still late because the bank did not process it on time ; the check was cashed on XX/XX/XXXX but wasn't applied until XXXX. It's completely ridiculous. I am repeatedly reassured the problem is solved but the loan has not been removed from my name. The bank has stopped credit reporting delinquencies on me but my credit is hurt because of the large amount of debt and my wife 's credit took a 200 point hit because they are still reporting on her. This has been going on since XXXX, it's been constant stress on me and my family, it's embarrassing, and infuriating. We wanted to refinance to a VA loan while interest rates were still low and remove the PMI payments but we are handcuffed. This problem will cost me thousands over the upcoming years.
Consumer complaint received 2020-07-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal loan that I had for my home was paid in full. The company when contacted advised me that they billed me additional fees for paying off my home mortgage in full. I have contacted them several times as the company has refused to cash the bill pays sent to the company and XXXX took the action to stop the payment as Navy Federal had the check from bill pay. In order to get the mortgage paid in full payments were made to them via ACH. Navy Federal has been requested in writing that I am hereby demanding that my money due back to me for escrow and close my accounts with the bank. 

Navy Federal advised me that they will be charging me penalties for paying off the loan which I was advised I didn't have on this loan. Now on the phone it has come to my attention that the company has made a decision that was never disclosed to take money to payoff the mortgage. When I requested to know exactly what the amount they are charging me they said I would have to wait until they do all their back office charges against my account. 

The company is not being fair and honest with me as I have advised them that I want to close my accounts. Obtain my escrow money that they are retaining and along with that they are taking a position that they can charge me whatever they want for fees for paying off the loan. 

I need help as I have reviewed documents and it has no area that it states that I must pay for their back office activities and in a large amount. I have been clear that this is not fair and want the breakdown immediately. Their response was they will get it to me in 30 days or more when they get it done. 

I do not want to be a customer and they sent me a letter advising me that my escrow or overpayment would be deposited into the checking account that I presently have with them and have requested to have closed several times. They refuse to close the accounts and state that I must keep them. I do not see how this is fair and am asking for help to get paid the money that is overdue.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (AZ)

I have opened a new bank account with US Bank and they needed proof of address. I've sent in my i.d . social, two forms of mail, my marriage license & the front & back page of my signed lease and they still will not release my funds. But they sent me my credit card and another fraud paper in the mail so they sent that stuff to an address that they " can't confirm '' but won't release my funds to me. That makes no sense and now I see it as they are stealing money from me. Please contact me back at XXXX or XXXX thank you
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I spoke with Lexus nexus and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to Lexus Nexus multiple times during XXXX  requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than one account that is inaccurate. I still haven't had any help with information removed or no longer reporting.
Consumer complaint received 2021-08-21
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. (AZ)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$1200.00}. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$400.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$110.00}. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$110.00}.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Synovus Bank (FL)

First Progress : Stole {$500.00} from me - In an attempt to increase my credit limit which was approved more than 3 times we sent 2 different money orders ( {$300.00} plus {$500.00} ) and were given a 15 day grace period to have it there. 4 days later we received a letter stating that the funds were not received in time. No funds were returned, I later made a complaint to the XXXX XXXX XXXX and they return one of the money orders in the amount of {$300.00} then told the XXXX  that all of the funds were returned. As of XX/XX/2021 the {$500.00} money order was never returned nor credited to the account. They have sent a bill in the amount of {$370.00} stating that is the amount owed on the account. Now they threaten to close the account if we do not pay an additional {$370.00} to them.
Consumer complaint received 2021-02-12
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. (TX)

Previously I have stated that I am as a consumer has been abused by a company called XXXX XXXX XXXX. The alleged charge off account on my credit report ( XXXX XXXX/XXXX ) is ruining my reputation and cause me to stress and lose my job. I request Equifax to remove it off my credit report but all they did was sending me back a statement of this account. Equifax is not helping me removing this alleged charge off account, they are not solving my issue when the creditor is violating under the FCRA laws.
Consumer complaint received 2020-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

In the past, I filed complaint against ( Pennsylvania Higher Education Assistance Agency ) about the consolidated loan term that I never agree with and the borrower has never signed the loan documents and I am wondering how they did without the borrower 's consent. So I need to have all documents relate to the consolidated loan term.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX, I had my mother make a cash deposit to my acct in the XXXX of XXXX at the Wells Fargo ATM located on XXXX XXXX XXXX. The ATM ate the entire deposit and released a receipt to explain my acct was credited XXXX and that my acct would be fully refunded the entire cash deposit amt in XXXX business days, which is today, Tuesday, XX/XX/2022. The branch was called Tuesday, XX/XX/2022 and XXXX instructed me to call the number on the receipt to have the ATM audited to speed up the process. The number was called and a claim was submitted by claims specialist Friday. She noted my complaint and ensured me my acct should be credited with the correct amt She also offered a sincere apology for the occurrence with the faulty ATM machine. Fast forward to today, Tuesday, XX/XX/2022 and the claims specialists were particularly rude. Example, I inquired about the provisional credit on the acct and was told WELLS FARGO does not issue provisional credits on transactions involving Wells Fargo ATM machine. I would have to wait for an approval or denial of claim, after XXXX business days. When I stated the teller receipt said 2 days, the teller stated she didn't know why WELLS FARGO continues to give false information to their clients. I was floored upon hearing this statement and I told her that action represented fraud and I was filing a complaint with the CFPB to ensure WELLS FARGO abides by honest business practices, since WELLS FARGO has a documented history of engaging in discriminatory housing practices in reference to minorities, specifically XXXX XXXX, opening fraudulent bank accts for unsuspecting customers, and illegally confiscating funds which were cash deposited into defective WELLS FARGO ATM MACHINES. 
PLEASE ASSIST ME WITH RECEIVING MY MONEY AS A CREDIT TO MY ACCT. The lies have started with the bank employees and a higher authority, CFPB, is a necessity to receive my money into my acct.