davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
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 (PA)

In reference to my complain XXXX filed with CFPB on XX/XX/2021. CFPB closed my complain based on company response. that they mailed check to XXXX XXXX. 
I received email from XXXX So ( XXXX resolution for Bank of America ) ( case # XXXX ) and spent couple of hours with XXXX XXXX XXXX XXXX XXXX ( XXXX ) at my local branch, he left voice mail for XXXX at XXXX ext XXXX. ( The number provided in the response from BA ). I called this number and left voice mail too. I emailed them my concerns. No one called back, no one answered my email. 
In my correspondence I wrote that XXXX XXXX did not receive check that was mailed out on XX/XX/2021 and asked BA to check if this check had been cleared. 
If not, I asked them to stop payment on the check and issue another check to me or XXXX XXXX, XXXX check had been cleared, I asked to provide a copy of the check. 

I am really DISAPPOINED -- the way you've closed my case, you should do this based on the fact that the requester ( me ) got my money back, -- and the way BA handled my case. The payment was sent to them electronically and should be returned the same way. That's the way I understand " the original source '' and before they replied they should be sure that mailed check had been cleared .by so called " original source :..
Consumer complaint received 2020-07-16
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)

***EXPERIAN KEEPS CLOSING MY REQUEST FOR INVESTIGATION ON A MY CREDIT PROFILE THEY ARE COMPLYING OF ME**** I HAVE SUBMITTED MY PERSONAL IDENTIFICATION DOCUMENTS IN ALL INSTANCES. 

***EXPERIAN CAN NOT BE ALLOWED TO IGNORED MY REQUESTS ( 3 INSTANCES ; XXXX MAILED/XX/XX/XXXX ; XXXX CFPB ONLINE PORTAL ) TO START A DISPUTE ON THE MANY ISSUES WITH MY CREDIT REPORT THEY COMPILED ON ME***
Consumer complaint received 2024-01-31
Product: Credit reporting 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. (GA)

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed... 
XXXX XXXX XXXX  XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX XXXX a fraudulent account and should be removed XXXXXXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed.
Consumer complaint received 2022-04-05
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. (RI)

In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.
Consumer complaint received 2020-07-16
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. (OH)

This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX  XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C.  1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2021-02-10
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: EQUIFAX, INC. (FL)

I called equifax on XX/XX/2021 and informed equifax I couldnt access my account. Even I verified all my security questions accurately. They told me I answered questions wrong NOT TRUE. Ive attached documents that I sent to them previously that confirm my address Im asking not only the address beginning with XXXX is deleted but that the address is corrected to reflect the address on my license attached
Consumer complaint received 2018-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I XX/XX/2017 I purchased a car that I had previously leased and was offered a loan through USAA. They accepted the collateral value from the lease company of approximately 18500. I asked for both the extended warranty and GAP insurance ... USAA calls this Total Loss insurance. Now They claim that I didnt get the GAP. My car insurance is also with USAA. My car was in an accident and it was totaled. They now are offering me XXXX and I owe over 18000. They now say I dont have gap and I owe the difference. Im sure I asked for it and they can not explain the gap between their XXXX collateral value for the loan and the dramatic decrease in value as determined by their insurance company. Its been about 7 months. I applied on the phone partially and online partially for the loan. Ive asked for my loan papers and proof from them that I was asked about GAP and that I declined it. They claim there is no evidence of that available.
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I am writing in regards to a collection account ( XXXX ) IN AMOUNT of {$280.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.
Consumer complaint received 2020-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America filed a late pay about me for about three months in 2018. However, this was due to the fact I was using their mobile app autopay. Their app updated itself and lost autopay function. But I was not notified. And I ended up not knowing the fee was not paid. It was very small like {$25.00} on the account, while I had {$40000.00} on the total account and was never late. They lowered my credit score as a result and I am unable to get my mortgage because of this issue.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

In XXXX of XXXX I was sued by Cavalry SPV i<LLC for a credit card debt and requested validation of the debt. It was never received and we've gone to court for pretrial for 9 months with each time the judge gave them time to provide the requested validation. 

1. On XX/XX/XXXX, the Defendant filed with the Court and served Plaintiff with Defendants response for Production to Discovery to obtain full and complete answers to the Defendants Interrogatories. 
2. On XX/XX/XXXX the Plaintiffs response to Defendants request for Production was as follows : Objection, immaterial, irrelevant burdensome, vague and ambiguous and not reasonably calculated to lead to the discovery of admissible evidence. 
3. I, Defendant, have served the Plaintiffs with interrogatories requesting the specific substance of the facts of the case and have received vague responses. The Plaintiffs have refused and have failed to provide full and complete discovery regarding the information requested by Defendant. 
4. On, XX/XX/XXXX, the Plaintiff had not submitted a response to the Defendants addition request for validation and the Honorable Judge had given the Plaintiff 14 days to the Defendants request for validation and interrogatories. 
5. Plaintiff has failed to submit any documentation evidencing ownership of the account to the Defendant. 
6. On, XX/XX/XXXX, the Honorable Judge directed the Plaintiffs to provide the necessary documentation to the Defendant within 20 days or the case would be dismissed at the next pretrial hearing set for XX/XX/XXXX. 
7. Rule XXXX, Florida Rules of Civil Procedure requires Plaintiff to attach a copy of All bonds, notes, bills of exchange, contracts, accounts, or documents upon which the action may be brought or defense made, or a copy thereof or a copy of the portions thereof material to the pleadings, shall be incorporated in or attached to the pleading. 1 Rule 1.130 ( a ), Fla. R. Civ . Pro. Plaintiffs Complaint fails to state a cause of action because it fails to satisfy the strict requirements of Rule 1.130.

8. Therefore, Plaintiff has not attached written instruments sufficient to demonstrate that Plaintiff may even bring this action. 

Validation was never received. On XXXX XXXX the Judge DISMISSED the case for the plaintiff 's failure to comply with outstand discovery requests. 

Please have Cavalry remove this from all 3 of my credit reports
Consumer complaint received 2021-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

Charged " Unpaid Fee '' of XXXX for 4 plus years. From XXXX to XXXX. Navient never told me that the fees were only going to need to be paid once, and at the end of my loan payments. I paid this fee for years and it never went toward any unpaid fee. It was being allocated to pay down interest. It did not even go towards the principal amount owed. I decided to ask about the fee after years of paying it, because I wanted to know how much more I owed in unpaid fees. I believed because I was being charged the fee every month, I must owe for making late payments in the past. Customer service informed that I did not owe any more in unpaid fees and that I did not have to pay it every month, yet I was never informed of this or told that it was meant to be a one time payment.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MN)

I received an email from Wells Fargo XX/XX/XXXX that asked me to activate my new credit card. 
I called and asked why I was getting a new card, when my card would not expire until XX/XX/XXXX. 
I was told my account was upgraded to a " XXXX '' credit card. 
I never received the new card. 
The new card has the same # as my present card. 
The new card could not be cancelled without cancelling my old card. 
I had to cancel my card, order a new one, and now have to change > XXXX auto-payments. 
I never asked for a new card. I never asked for an " upgrade ''. 
I was told by a Wells Fargo rep that I was sent information last year that I could opt out of the upgrade by XX/XX/XXXX. 
IT IS NEVER ACCEPTABLE TO CHANGE THE TERMS OF AN ACCOUNT LIKE THAT. ALL CHANGES NEED TO BE OPT IN. 
I was told by a customer service rep that there have been numerous complaints regarding opt out vs opt in, yet Wells Fargo has not changed their procedures.
Consumer complaint received 2021-07-17
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. (AZ)

I am very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX  - XX/XX/2020 XXXX XXXX - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 I am attaching my ID
Consumer complaint received 2021-07-17
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 very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX  - XX/XX/2020 XXXX XXXX  - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 I am attaching my ID
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (MT)

XXXX let a thief open an account using identity theft. My identity was stolen. XXXX and Equifax are REFUSING to remove fraudulent information. I am updating my complaint. I am proving BOTH an FTC Identity Theft Report AND a XXXX Police Report. Please CFPB MAKE THEM STOP HELPING IDENTITY THIEVES AND FOLLOW FEDERAL LAW. Thank you.
Consumer complaint received 2018-02-16
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. (NY)

I am contacting you because I recently was informed that there are credit inquiries on my credit report that do not belong to me and that are fraud.I contacted your company by phone but I guess it hasn't been removed because you need a copy of my police report. I am a victim of identity theft so please remove these inquires from my credit report as they are fraud. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-01-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$5900.00}, {$0.00}. 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my aaccount, send me an updated and accurate statement, and close the account. I also request tuat you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 

Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -This is not my account.
Consumer complaint received 2018-03-29
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: JTM Capital Management, LLC (NE)

information was sent to XXXX stating paid nothing owed but was not sent to XXXX and XXXX XXXX. I have tried to contact them on the phone by calling XXXX no response
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My Fair Credit Reporting act consumer rights have been violated. On XX/XX/2024 I submitted letters to each Consumer Reporting agency requesting that both my name and my address be updated on my credit reports.

I also asked that the name I requested to be on my credit report be the only one listed as it is my only name, and the only name I open accounts with. I also requested the address I sent to them be the only one listed as it is my correct address and where I receive all of my mail. 

As of XX/XX/XXXX my rights have been violated in two ways. I have not received a response from any of the credit reporting agencies. It has been over 30 days as it is now XX/XX/2024. I have also been violated, because none of my personal information has been update.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit is reporting a collection account on my reports. I have contacted them regarding this account as I am not familiar with this account but they have not responded to my dispute. Here is the tracking to prove they have received my request of validation XXXX XXXX XXXX XXXX XXXX via USPS. They have not responded or tried to contact me back in any way and this is a violation of my rights as a consumer to dispute this inaccurate account. This account should be deleted from my reports!
Consumer complaint received 2020-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX and advised my information was lost in XXXX, and now someone has been attempting to access lines of credit in my name. I requested verification of these accounts as they are affecting my ability to obtain credit. Furnishing accounts to my credit profile without my written consent or permission is in violation of 15 USC 1681B.

I thoroughly investigated the accounts and credit inquiries and I have not authorized any of these transactions. These accounts have been placed on my account or linked to my name due to identity fraud. Furnishing accounts to my profile due to identity fraud is in violation of 15 USC 1681 c-2 I also requested all addresses linked to these fraudulent accounts be removed from my credit profile to prevent any future activity.
Consumer complaint received 2023-01-27
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. (WI)

Equifax had a XXXX XXXX a few years Back. My credit went from building up my score with a XXXX XXXX builder account. To boom a bunch of XXXX credit cards taken out in my name. I dispute the inaccurate information on my reports.everything was going good until Equifax got hacked and a bunch of us got hacke d and now my credit is back to XXXX seriously. 
Equifax needs to fix all of this instead of just giving me XXXX on a claim.