davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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)

My Name is XXXX XXXX Today 's Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also I Called Experian Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful Ive Attempted Several Times In The Past To Solve This Incorrect Info With Experian , All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX ... .... 
XXXX  XXXX XXXX  XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX PROGRAM ) ) XXXX XXXX XX/XX/XXXX I Even Called Experian Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Experian Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: States Recovery Systems, Inc. (CA)

I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by STATES RECOVERY SYSTEMS INC would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified STATES RECOVERY SYSTEMS INC that it was no longer a valid debt and that it should have been removed.
Consumer complaint received 2020-07-25
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: Nelnet, Inc. (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90 - 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BROCKELBANK INC (MI)

The company is reporting simply paid on the accounts that I paid in full. I requested the company delete the accounts off all three reports and they only deleted it from XXXX. There is one left on XXXX and all four on XXXX. This makes it look as if I settled, they need to either update paid in full or delete them as originally stated.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/2020 BoA closed my account from XXXX and took my money in the account. There was no warning no reason they STOLE our money and we have gotten no reply. If it was so easy to take it then it should be easier to give it back with repercussions. This has effected my credit score inability to pay bills my house, I am now downsized to a smaller rental my sanity
Consumer complaint received 2024-05-24
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: AMERICAN HONDA FINANCE CORP (GA)

XX/XX/XXXX To : CFPB From : XXXX XXXX. Last 4 of social. XXXX. Birthdate XX/XX/XXXX I am again disputing the Honda Financial inquiry dated XXXX from Honda Financial on my credit report. 

I have disputed this several times and seem to get the run around every time. Perhaps I didnt explain it well enough. Hopefully someone will read this and understand what happened. 

Today I talked again to XXXX XXXX who wrote the attached letter to me on XX/XX/XXXX. 

We talked about the unauthorized credit pull on XX/XX/XXXX. We talked about the origin of this pull, and he said that they didnt pull it, that the dealership had. 

I went back to the dealership and asked them to verify it. I did that in XXXX of XXXX and they sent me the attached email, telling me that they didnt pull it. 

So, I have asked Honda to remove it and they said they cant. 

I have asked XXXX to remove it and they come back with a factual statement that obscures their failure to remove an unauthorized pull on my credit report on XX/XX/XXXX. 

It seems that the CFPB wields the power, and they should tell Honda to remove it. 


Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Date county taxes are due XX/XX/20 Delinquent date XX/XX/20. My Morgage company always waits until delinquent date to pay mortgage. They need to pay it a few weeks prior so I that a delinquency fee doesnt show up on the county website! The fee is reversed however they shouldnt be paying it last minute so that a fee is even shown on county website. I have talked to them prior about issues however they dont seem to care that they wait last minute until a delinquent fee is shown.
Consumer complaint received 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

Mr. Cooper has been harassing me with automated phone calls that demand I contact them " Within 24 hours '' while also making it impossible to reach a person. The automated system was giving me information that does not match what I was told when my loan was transferred. I needed to talk to a person to verify the information. Both the phone and chat systems told me that there was no one available to talk to every day for a week, while I was still receiving the calls saying I must contact them every day.

When I was finally able to reach a person on the XXXX  day of trying they made no effort to solve any of my problems.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (IL)

I wrote Hardship letter to Flagship and it was accepted in Good faith presumably? They answer in good faith I guess? So I agreed to there terms then I was blessed with additional funds and I paid the complete balance and some. I enclosed a rider subject to them cashing the balance of check and did not receive a reply nor conformation. They cashed the check and took over 60 days to credit the account. Then they added extra fees and then after 90 days corrected them. I am request correction on the part of Flagship. They receive funds upon agreement but never correct the funds to the account. At first credit bureaus showed account in collection. Wrong amounts of balance and payments they refuse to correct. The account is paid in full but they show three collection on account and still show charge off? how can account be both? So I paid the to get a worst credit score then before. I request deletion of account asap.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had a citizens account that was inactive for around 2 months and they closed it without notice. As I wasn't aware of the account closure I sent myself a quick pay on XX/XX/year> from my XXXX  account to that account in the amount of {$40.00} I right away got a bounce back that it was canceled but with out a reason, so I tried again and it went through. Now when I tried logging in to my citizens account I saw that it was closed due to inactivity and I have no way to access those funds. I reached out to XXXX  and they told me that the XXXX  was processed on their end and the receiving bank accepted it so I need to call citizens. As I called them they told me that they never received it and that my account is closed so they can't help me. 

Now, I filled already a complaint through CFBP to which they responded that all do they received the money they will not release it to me, when I tried to replying the complaint was mistakenly closed as satisfied, but indeed I never saw my money back.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I wrote a check for {$850.00} for my rent on XX/XX/XXXX. I saw this morning, XX/XX/XXXX, that there was an overdraft for the amount of {$260.00} and a fee of {$35.00} as well to cover the overdraft. Now mind you, I found it strange because this money was taken out of what I have known all this time to be my savings account. When I contacted customer service regarding these transactions and the overdraft as well as the fee I had to pay, I was notified that my savings account has changed into another checking account unbeknownst to me. When I opened my bank accounts, I requested both a checking AND savings account. I was never told that if I move my own money between accounts more than 3 times that I would not only be charged {$10.00} but that it would also be changed into a checking account. Also, if the account changed, then why was I still paying the {$12.00} a month for a savings account I no longer had? That question was never answered. I was told that I would have to wait 2-3 business days before I would receive any money back. It is supposed to be the amount of {$880.00} by Monday XX/XX/XXXX. Had I know any of this were to happen I would have never opened an account with Bank Of America.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TX)

The account was in my Mother 's name, and my name as co-owner of the account, as well as me being the Power of Attorney. After my Mother passed away, Truist Bank allowed XXXX XXXX XXXX XXXX to take my name off the account without notification or approval. XXXX XXXX was then allowed by Truist Bank to withdraw all of the funds in the account, including XXXX XXXX relief checks that they were not entitled to, and a Retirement check which was claimed by XXXX XXXX  under suspicious charges for service. XXXX XXXX was then given the authority by Truist Bank to close the account. I was never notified of this until I needed to retrieve the funds from the account in XXXX, and was told there was no account. The agent from Truist Bank who assisted me was able to locate the account by my XXXX XXXX XXXX  and the above information was also confirmed. 
Truist Bank contact is as follows : Truist Bank 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
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (AZ)

I have had accounts with Wells Fargo for 20 years and a credit card with them for close to or during this entire time. They seem to have lost statements from early XXXX and pass me from one person to the next with promises for them to call but I don't seem to be anywhere closer to receiving the statements. I have expressed a need for these in a timely manner however they continue to delay.

Additionally, and now just as importantly, they have stated that I have delinquent accounts or prior credit cards with them. I have never been late, never missed a payment, and never been delinquent with anything - credit cards, mortgages or anything else. The first rep stated several times that I have a delinquent card with them. Another rep stated it was from XXXX and was a fraudulent account. Either way and again I have never been late or delinquent and want this cleared up ASAP and need the statement from last year immediately as I refer to them for tax purposes and their delays have caused me great issues with timing on my due dates. Every time I speak to someone its the same waste of time call where they say there is something funny with their system and cant find the statement for last year and are now stating that there is a derogatory account from XXXX. I am now hearing about this for the first time and know that I have never been late or derogatory.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (WI)

I have sent this company, a cease and desist letter. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter, the company has been found to impose as a collection agency, which it is listed that this company is not legally binding, and or insured to collect in the state of Wisconsin. Please have this company cease all collection activities. This is my last attempt to complain outside of court.
Consumer complaint received 2020-10-22
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)

They are reporting inaccurate information on my credit report which is hurting me on getting credit. Equifax is stating that I was late with XXXX XXXX XXXX  XXXX on XX/XX/XXXX 30 days and XX/XX/XXXX 30 days. I was never late. I also exercised my right for FCRA, I have certified mail proof that they received my dispute on XX/XX/XXXX with a signature of XXXX XXXX.It has been more than 30 days, they must delete these inaccurate late reports from my payment history. 

I reached out to my state attorney who said this is a FCRA violation, I was advised to submit a complaint through CFPB, if it is not resolved they will intervene with legal action
Consumer complaint received 2021-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I have received multiple calls from Navient regarding a student loan that belongs to someone named XXXX XXXX who is using my phone number. I do not have a student loan with Navient, nor do I know a XXXX XXXX. 

Today was the final straw in receiving calls from them. On XX/XX/2021 @ XXXX XXXX  I received a highly unprofessional and threatening message stating I had until XXXX XXXX or else along with a bunch of other stuff. It was so over the top it was almost laughable. When I called back and spoke to someone else, he was the so rude and actually started screaming at me and told me I was wrong in how skip tracing worked. No actually I am not. I work in the credit and collection space and am very well aware of how it works, how data is collected, and what consumer rights are. I absolutely do not appreciate reviewing such an influx of calls, rude & threatening messages, or live rudeness. 

I pulled my credit reports and XXXX XXXX is not listed anywhere as being identified with my telephone number, nor do I have any type of student debt listed or any inquires from Navient are listed. 

I want my phone number removed from their records.
Consumer complaint received 2022-04-05
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. (NC)

in accordance with the Fair Credit Reporting Act the extensive hard inquiries are currently listed without me ever speaking or giving consent to have my information listed. Please take care of this issue. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C, 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I have been using Gemini for years with no issue. Then out of no where I went to make a withdrawal and they froze my account. They have yet to respond to any of my emails/support tickets with my money frozen in there. This is ridiculous please help. 

This is a list of my support tickets. None of them have a response. 

XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

I received this letter in the mail today. The same letter they my keep sending me. Its dated for XX/XX/XXXX. After the certified mail I sent to Lexis Nexis, that was received on XX/XX/XXXX. They have my social and copy of my license with date of birth on it. I dont know what else they want from me. They REFUSE to send my CLUE report and keep lying to the CFPB! I've reached out to company via phone and online system multiple times. I input all my information correctly and received a confirmation. Lexis Nexis keeps mailing letters instead of report that they are not able to verify identity even though I'm the person entering all the information about myself. I've emailed and mailed them a copy of my license. They are still saying that they not able to verify my identity and do not provide me my report. I've received information from other companies that there are errors on my report, but I'm informed I would need to request report directly from Lexis Nexis which where they got the report from. They lied to CFPB with their response that they had reached out to me on the first complaint filed. Again, on my second complaint they claim to have mailed it to me as of XX/XX/14 in order to have my complaint closed. Its been almost 3 months of me requesting my CLUE report but not receiving it. Im attaching proof.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (MI)

AFNI XXXX in XXXX IL. opened collections on XX/XX/2020 for a XXXX past bill of {$310.00} which i do not deny because of terrible service and had planed on paying. 2 months later XX/XX/2020 i seen a derogatory statement on my credit report. Which dropped XXXX score 48pts. I have worked so hard to get near 700 so i can move. I called them to explain that i have not worked since XX/XX/2020 because of Covid Virus shut down most work in Michigan and i have not been back yet. I asked why did you do this now during the Virus. This person i talked to is in Illinois and went on to say most people in Mi. are back to work LOL. They went on to say the reason i am not working is because i do not want to work i said really, I guess you have not seen unemployment numbers in Mi.. I got mad and hung up my bad i guess.