davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today I went to Bank of America in XXXX XXXX XXXX XXXX to cash a check. I was told there was an {$8.00} fee to cash a check for non-bank customers. I explained I had XXXX accounts but did not have the credit cards with me. I was told I would either have to provide XXXX of the credit cards or write my social security number down on a piece of blank paper and give it to the teller so she could look up my accounts. I asked why my account could not be located with my name, address and phone number and was told I had to provide my complete social security number written on a blank piece of paper and give it to the teller in order to find my accounts ( there was no keypad I could use for private identification ). I then said I do not feel comfortable giving my complete social security number to a stranger and asked to speak to a supervisor. The suppervisor told me the same thing. I then said no problem I will pay the {$8.00} fee and was told.. Now that we know you are a customer we can not cash the check without your complete social security number. I left without my funds. This has happen on at least XXXX other occasion with B of A. I have now told the tenant I will not accept any further checks from B of A and to write me a new check for his rent. And I charged him a late fee because his rent is now late. I also closed XXXX of my B of A accounts. Bank of America is so worried their precious little {$8.00} fee which I believe is discriminatory against low income people. XXXX out of XXXX people or 8 % of the population is " un-bankable '' those folks are usually low income individuals. B of A is discriminating against low income people for their precious little {$8.00} fee. If they didn't have the fee I would not have had the problem I did today. The fee is bad for everyone.
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is an official grievance against TransUnion situated in XXXX. XXXX XXXX XXXX, PA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, TransUnion has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Debski, P.A. (FL)

I recently received many solicitations from attorneys that wanted to help with a lawsuit, I became very curious as to why I was receiving all this mail. I went online to public records and found that a pre-trial conference was scheduled for XX/XX/2019. I never received any information by mail or by phone. I never received any legal documentation regarding this matter. I was very upset to see this under my name in public records with a past due date. On XX/XX/2019 I called the office of XXXX XXXX XXXX XXXX. 
I asked to speak with Mr. XXXX. The woman that answered my call said he was unavailable. I gave her my name and asked for her name and she just ignored my question. I willingly provided her with my personal information. She informed me that they are representing XXXX XXXX & I owe a balance of {$3600.00}. I informed her that I had XXXX XXXX XXXX accounts in the past years all 4 were closed upon my request all 4 had a XX/XX/XXXX balance. When I told her that this has to be some mistake, I do not owe this money, she became very argumentative. I asked her for her name again, she replied that our discussion was over and hung up. I called back a few more times today, but all I received was a voice message. I left two individual messages, but no one ever returned my call. I can not resolve this issue when this woman is screening phone calls and refuses to give me her name. XXXX XXXX XXXX have not returned my phone call and this unidentified woman behaved like a loan shark, using unprofessional scare tactics. Please help me clear my name and this serious matter. Thank you
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Be advised, this is not a refusal to pay the alleged, rather it is a notice sent pursuant to the Federal Fair Debt Collection Practices Act ( i.e. 15 U.S.C. 1692 ( g ) 809 ( b ) ) and the Pennsylvania Fair Credit Extension and Uniformity Act ( i.e. 73 P.S. 2270.1, et seq. ) that your debt may be disputed and validation is demanded. Please validate the alleged debt within 30 days by providing the following information : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ;? A complete payment history on this account ;? A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ;? Copies of all invoices, bills, and notices concerning this alleged debt ;? A copy of the first written communication attempting to collect this debt ;? A copy of any judgment obtained with respect to the alleged debt ;? Proof that the statute of limitations has not already expired ;? Evidence that you are authorized and licensed to receive payment of this debt ;? Copies of all reports or notices provided to any credit bureaus ;? Identification of the original creditor ;? Identification of all successors in interest to the original creditor ;? If this debt has been purchased or assigned, a copy of all related agreements. 



The following constitutes illegal or wrongful debt collection under the FDCPA : Harassing or abusive phone calls, messages or letters
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

I have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-10-10
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. (IN)

My identification is being used for car shopping online which I wasn't nowhere as multiple hard inquiries for the same car lot multiple times a day I'm surprised the bank didn't even look at that I tried you been XXXX XXXX  they weren't doing anything I did dispute letters with Equifax Equifax told me that I had to call the consumer phone consumers are saying Equifax put it on there
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I sent dispute letters to Equifax,   XXXX    &   XXXX  in regards to verifying the reported Bankruptcy  XXXX  account Case or ID #  XXXX .  XXXX  and  XXXX  has not responded on this dispute and it has been over 45 days. Equifax sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that Equifax feels that they can use a third party  and not even be sure on the information they are reporting? It is not right and its unfair to me.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AZ)

In XXXX 2015 I began disputing an inquiry from a company called XXXX XXXX on my experian credit report. I sent 2 letters to XXXX advising them that there was no need to pull my credit as such this inquiry they report to Experian was unauthorized. I also sent 2 letters to Experian regarding this and they have done absolutely nothing about this. I demand they remove this unauthorized inquiry off my credit report immediately. I am enclosing copies of letters I sent to both experian and XXXX with certified receipts as proof they received me correspondence.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (KY)

I have submitted official documents that verify my public safety employment. I have submitted these documents several times. I have observed on the portal that my employers have not been verified even though I have submitted the proper paperwork. I have called the Mohela customer support several times. Each time after waiting over 30 minutes I am disconnected. I have informed customer support about this issue has not been fixed. Mohela is negligent in customer support. With Mohela not assisting in this issue it is negligently costing me income.
Consumer complaint received 2018-06-12
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. (NE)

I have sent the following two letters to the credit bureaus requesting that they delete the information on my file and they still have not. 
See attached letters from XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

Experian has relied on XXXX arguments to keep a delinquent mortgage payment reporting by such debt collector in my credit report citing " The result summary provided by XXXX on XXXX XXXX, XXXX ''. In addition, Experian maintains that FCRA does not require that consumer reporting agencies act as mediators or negotiatiors in account disputes. 

I have not been asking Experian to act as a mediator or negotiator in my dispute with XXXX 's malicious delinquency reporting alleging a missed on-time mortgage payment. I am simply stating that such delinquency reporting is not warranted and that it must be deleted from my credit report. In fact, on XXXX XXXX, XXXX, I requested from XXXX a mortgage pay off amount and which it provided and full payment was made on XXXX XXXX, XXXX prior to XXXX XXXX, XXXX through which the payoff quote was valid. 

According to the following real estate transaction manifest, " Once the property is sold and the debt is paid, the mortgagor 's obligation to the mortgagee is over ''. Consequently, XXXX does not have any basis whatsoever to report the loan delinquent once it had received all of its payments within the time frame stipulated in its pay off quote. Experian 's decision to accommodate XXXX 's abusive & capricious action, is in fact totally an act of pure discrimination toward me by both Experian and XXXX. This has been going on since XXXX XXXX, XXXX when the mortgage was acquired from XXXX XXXX Mortgage XXXX at an interest rate of 7.938 % and, the mortgage subsequently transferred to XXXX, a debt collector, for servicing. Immediately after the financial meltdown of XXXX, I repeatedly requested from XXXX to have the loan modified which it never agreed to claiming that I was wealthy enough to support the mortgage payments at that high interest rate while the property had devalued significantly. In fact it was puchased for {$230000.00} in XXXX and sold for only {$180000.00}, after many years with that heavy financial burden. The loan was paid off in its totality within a certain time frame and therefore can not be reported to be delinquent.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

CITY OF XXXX is still reporting negative information to my credit report. This acct was paid in full & was supposed to be removed when paid. I have disputed it numerous times with Experian & sent the company a letter requesting it be removed per our agreement. They continue to report it, which is damaging my credit & impacting my ability to get a loan. This issue is causing me great emotional & financial stress & is having a major impact on my family & work lives. I would like this removed as agreed upon when paid.
Consumer complaint received 2019-05-14
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: Opportunity Financial, LLC (IL)

This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with XXXX  in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address XXXX  has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX  and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Consumer complaint received 2018-06-12
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. (NJ)

XX/XX/2018 - My potential landlord ran my credit check on XX/XX/XXXX and shared the report. I see a fraud and identity theft on my account. I see an address that is not mine on my credit report and also see a collection charge of {$610.00} on my credit report. 

Disputing address on file XXXX XXXX XXXX XXXX, NJ XXXX Disputing Collections and {$610.00} charges on File Creditor Name : XXXX XXXX XXXX  I tried to report this dispute online through experian but I was unable to submit a dispute. Tried calling them at XXXX but was put on hold for more than one hour.
Consumer complaint received 2019-05-14
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. (IL)

This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I was notified by XXXX XXXX  today that my experian and XXXX XXXX accounts were negatively effected by a report by XXXX  XXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX  shows it is.
Consumer complaint received 2018-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

My original mortgage was purchased by Wells Fargo a couple of months after I closed on my home. I have been paying my mortgage payments for almost six years. I have been making additional principle payments to get to 78 % of the original loan amount so that I can drop the FHA mortgage insurance. I have contacted Wells Fargo twice in the past year to inquire the amount I need to get the principle down to and the process to make sure the insurance payments stop on time. I contacted them a week ago and this time they told me if I want to stop the insurance payments I would need to make an additional payment of {$2400.00}. They also said that my mortgage may be changed to protect the investors. Since this is an FHA mortgage I didn't think they could change the terms of my mortgage. It looks like they want to continue to charge me insurance payments even after the FHA insurance has stopped. How can I make sure Wells Fargo is following the FHA guidelines and I am protected?
Consumer complaint received 2024-01-30
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. (VA)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying aI recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you.
Consumer complaint received 2019-05-14
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. (FL)

I have contacted Equifax several times regarding incorrect information. My accounts are showing closed when they are active. One account is showing a XXXX  balance but in collections. My name is wrong. I was told to file a dispute only to have my score drop over 30 points. Called regarding it again and they said all I can do is dispute and there is nothing they can do about the score dropping with each dispute
Consumer complaint received 2016-01-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We realized that Wells Fargo created an infant account on our home equity line and automatically was charging us the higher interest rate on our home equity line of credit. We did not sign anything agreeing to the higher interest rate and the infant account with the higher rate was not even visible when we logged into our account summary page. The lower interest rate showed on the home page of our account and the higher rate that we had been charged was only visible by going through a series of steps from the account summary page. This was very misleading because when viewing our account statement it read the amount of the parent account 4.25 % when we had been charged a rate that was 7.75 %. At 3..5 points higher than the rate in the parent account, we calculated that this amounted to over {$14000.00} in excessive interest charged. Wells Fargo took several months to review our complaint and determined " no error occured ''. They did not complete and mail the review until XXXX XXXX, 2015 although they had sent us a letter stating that they would complete their research and provide us with results on XXXX XXXX. We have all documentation. We also have XXXX emails to Wells Fargo Home Equity Consultants asking for options for lower interest rates during the duration when we were getting charged the excessive rate. We were told all 3 times that no better rate was available to us.
Consumer complaint received 2020-07-13
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. (FL)

1. I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ).

2. I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ).

Please investigate and delete these false disputed accounts.