davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I went to bank of America and went to the atm as I missed them and they where closed I took XXXX out of my savings account and was charged XXXX for doing so this is my money not there's never said ok u can take my money I'm sooo XXXX it's not funny don't want to go down there and cause a scene cause I'll b arrested not sure what I can do I saved the soup slip i can't believe they are able to get away wt this my name is XXXX XXXX email address is XXXX XXXX help me!!!!!!!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute. 

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

To whom it may concern I am writing in response to the correspondence received from a representative of US Bank as it relates to the miss-use of my 2nd stimulus check. The representative indicated that US Bank does have possession of that check and did deposit those funds Into an account that has been closed in excess of four months. That account had been closed for the same reason that my first business account with US bank was closed, due to hacking and theft. As of XX/XX/XXXX fraudulent checks were still being presented according to their fraud liaison. 

My concerns are as follows : 1. It is a business account that a personal check to me was deposited into that I myself, as a consumer can not deposit into my own account. My children and I are XXXX XXXX XXXX XXXXXXXX and still XXXX, XXXX, and my children live in constant XXXX  of their lives. I cant move cause of this. 

2. I spoke With representatives of US Bank in the month of XXXX as well as XXXX to confirm they had not received my second stimulus nor the third check. Each of those times they indicated that because the account was closed that it would be automatically returned back to the IRS. 

3. It was the IRS themselves Who indicated that XXXX XXXX  did have possession of the check as of the end of XXXX in an account with my Social Security number attached to it. It was not until I reached out to the XXXX XXXX XXXX that the bank indicated that they had received it. They then indicated that it had been electronically transferred to US Bank. Upon Which I contacted US Bank and they confirmed they opened this closed account and deposited the {$2400.00} XXXX XXXX XXXX after the previous 4 months being told no that it would reject it and return to the IRS. IF THEY HAD NOT STATED THAT I WOULD OF NEVER COME TO KNOW OF XXXX XXXX  months later. So this statement in this letter is another lie. The ledger clearly say Tax related. So they he couldnt tell where it came from? 

4. I then initiated a trace on the second stimilus check with the assistance of Senator XXXX XXXX and the office of Rep. XXXX XXXX. In my next communications with a representative of US Bank we were told that the check was no longer in that account. They were asked at least twice on that day to verify that what they were saying was true. 

5. I would like to add that I did forward my current banking information to XXXX XXXX  early on with a plea to transfer it to the correct account given the situation with no response. 

It is my hope that a speedy resolution can be devised. 


Cordially, Mr. XXXX
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DCN Holdings Inc. (CA)

OnXX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX This company called XXXX XXXX called me to tell me I own XXXX  XXXX XXXX XXXX money back in XX/XX/XXXX. They told me they were a collections company and said that they needed me to resolve this matter today or else. 
I ask for there name and they said it was XXXX XXXX ( it did n't sound legit ). I them ask for there business license # for that it was placed on supposedly on hold. This gal came on the phone yelling and telling me that I was going to have to pay, and they did n't want to give there business license to me. I had to look it up myself! 
That became a screaming match. I informed her that this was already resolved and I had proof of it! I told her to give me her fax # so I could send her the proof to which she said that I had to send it e-mail to her. No way was she going to get my email address so if she did n't want to give me the fax # that was not my problem. 
Here is the phone number that I blocked ( XXXX ) XXXX I hope you get these scammers! 
Thank you for checking this out. 
Respectfully XXXX XXXX
Consumer complaint received 2023-03-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

CEASE AND DESIST XX/XX/2024 XXXX XXXX LOCATION INFORMATION : XXXX XXXX XXXX, XXXX, NY XXXX ACCOUNT # : XXXX Dear MIDLAND CREDIT MANAGEMENT, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL & FTC. 
THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Consumer complaint received 2021-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (MS)

I would like to file a complaint on Republic Finance. The loan was taken out in XXXX. I paid the company up to the amount that I owed, and they took money out of my account. They have a lot of hidden interest rates that exceed the money you borrow. The loan was closed on my credit report and was recently sold to another lender, once I filed my last complaint causing my credit score to decrease. It is now XXXX. The account should be removed from my account.
Consumer complaint received 2021-01-28
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-11-16
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: TRUIST FINANCIAL CORPORATION (ND)

I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX SUNTRUST XXXX XXXX  inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX  inquired XX/XX/XXXX XXXX
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2021 : Bank of America reported account closed XX/XX/2021 : Bank of America reported account closed - again - duplicate information no debt of any kind, account in perfect standing ( see attachment )
Consumer complaint received 2022-03-30
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 — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a 30 day late payment on my credit back in XXXX of 2021. I explained that I had missed my payment because I started a new position and was going through a stressful period in life. I quickly corrected the mistake and got caught up on the payment. I even showed them bank statements that I had more than enough money in my account at the time the payment was missed and they still failed to see that an honest mistake was made and remove the late payment.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

On XXXX XXXX I didn't authorize XXXX XXXX XXXX to run my credit and cause a hard pull. I contacted the XXXX and left a complaint. I also contacted Synchrony directly and was told I would have to contact XXXX to have the hard pull remove because there was nothing they could do on there end. I contacted XXXX on XX/XX/2024 by phone about this unauthorized hard pull and in addition was told I would have to mail a letter, which I did on XXXX XXXX. I still don't have an update or resolution to this urgent problem.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2023-03-28
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. (DE)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. ( Original Creditor : ) XXXX Balance : {$73.00} ; ( Original Creditor : ) XXXX Balance : {$91.00}.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (FL)

I have been receiving harassing calls from North American Credit Services for a debt that is not mine nor do I know the person they are calling for which I have explained many times to many different employees of the company. They are wanting to speak to a XXXX XXXX ( XXXX reference number ) and these calls have been ongoing for a period of 2+ yrs now almost monthly or bi-monthly. I have this phone number for about 4 years now and don't know or have any connection to a XXXX XXXX. I have called North American Credit Services back and spoke to a supervisor ( XXXX XXXX @ ext # XXXX ) who apologized and assured me she would remove my number from their system but I continue to receive these calls constantly. I explained several times they have the wrong phone number and after receiving messages from them I have contacted them back and explained there is no XXXX XXXX connected to our phone number!! I need to know how to get this company to stop harassing me for something that is totally unrelated to me. Our number is a landline ( we don't use any cell phones ) and I don't want to change our number and begin remembering a new number. Your help would be greatly appreciated. Thanks, XXXX
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CA)

This complaint is regarding the XXXX XXXX, and is serviced by UAS XXXX. 

I have been a XXXX XXXX XXXX XXXX XXXX forgiveness program since XXXX, and had received two years of partial loan cancellation through this program for XXXX and XXXX. Since loans were paused during the pandemic, I waited to apply for my last three years of forgiveness until I was advised by UAS to do so this XXXX. My application for the final three years of teacher loan forgiveness was denied. However, the conditions of my employment as an educator have remained unaltered since I began working with XXXX more than four years ago when I first applied and was accepted for cancellation.

This suggests that UAS has changed their express terms and conditions pertaining to the loan forgiveness program. However, I was not put on any reasonable notice of a change in the material terms of the agreement, and the acceptance of my application for multiple years established a reasonable expectation that I would continue to qualify so long as the nature and terms of my employment remained the same. I relied on these reasonable expectations that UAS established through past performance in my financial and career planning decisions.

This situation has deeply affected my mental/emotional health, and I'm not sure what my next steps should be. UAS has also been requesting payments during the pause in federal loan payments, and it is affecting my credit score which will likely disqualify me from a mortgage. I have already submitted a complaint with the company and on studentaid.gov, both of whom will not take any action. 

Thank you so much for your time.
Consumer complaint received 2021-10-13
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: CITIZENS FINANCIAL GROUP, INC. (NY)

PLEASE REMOVE 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft FM/CITIZEN Account Number : XXXX This is not mine.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX- 30/60 DAYS ; XX/XX/XXXX - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have contacted Amerihome mortgage on numerous occasions by phone and email regarding our escrow account. We refinanced our home last year and the loan was purchased by Amerihome. The property tax was estimated at closing at {$2600.00} which is twice the actual tax. The taxes paid by Amerihome in XXXX of XXXX were {$1300.00}. Since escrow was overfunded, we received a refund of approximately {$680.00} for XXXX. The problem is they continue to use the {$2600.00} estimate for XXXX, which is inflating the escrow account again. I have provided the appraisal districts estimate of our tax for XXXX which is {$1300.00}. Our county freezes taxes at age XXXX. I have also provided documentation for our appraisal district which shows the XXXX exemption and describes the exemption, proving that our taxes will not increase. Amerihome refuses to reduce the escrow due to collection for our account. To add insult to injury, they INCREASED the escrow payment due to a {$400.00} increase in property insurance, but refuse to decrease amount collected to taxes.
Consumer complaint received 2021-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (GA)

The business is Consumer Portfolio Services and they are a loan shark company. My purchased vehicle is worth {$14000.00} but yet I owe {$30000.00} o n the loan. My cosigner died and the dealer stated I could refinance vehicle. They stated that they were an investment company and it defeats the purpose for those who had a recent bankruptcy and there they only company dealers are using to help those reestablish there credit. Furthermore its majority XXXX American citizens and the systematic XXXX  used at dealerships to place XXXX borrowers with this company is bias. I recently tried to refinance car and they wanted {$20000.00} down. I've been paying for 2 years and only {$4000.00} has been applied. They should not be able to do business like this targeting only XXXX borrowers. White people file bankruptcy as well but seem to recover just fine. XXXX families seem to just keep getting XXXX.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

We have not been able to get the free credit report from XXXX XXXX XXXX, that is supposed to be the portal for such. When requesting it for download, it links us to an Equifax page that ask for my last four and from there it goes to a page that indicated that it is not available for downloading, which is very different from the other two credit bureaus, and it also indicates that I need to send it various documents to an address and it list what is required. 

I've attached a screenshot of the page that restricts further access and ask for documents.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!