davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
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. (AP)

Experian is allowing one of its customers to make fraudulent reports on an account that is closed. They continue to violate my rights and FCRA. 

Experian parrots what their clients states and does not do their own investigation. 

Ive asked both Experian and their client to please provide me any document showing Ive opened or reopened this account since its been closed in XXXX. 

Account is reported closed paid in full one month then open with a different ( raised amount ). With no documentation of this being linked to my authorization.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have already addressed BofA 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.
Consumer complaint received 2020-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America closed my account without any notice. I have been a customer of theirs for over 5 years. Now they have my money and I have no access to it. I am unable to feed my family, my utility bills are due and I also have my car insurance and car note payment due date coming up. This has put a halt to my life and cause me much anxiety. I have no one to go to who can support me or lend me money at the time. I need my money ASAP so that I can live my life.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a secured card with Capital One. When I downloaded their app and made a password and username, my ex girlfriends account was on the app as a payer, who was not authorized. A representative for them said it was a computer error, because we had joint accounts in the past. As of today, I 'm being charged interest and late fees, contrary to what I was told. My attorney advised me to try to work something out, to no avail. My credit report is getting worse because of them.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several inquiries that I did not give consent to run my credit! 
Please remove them from my Transunion Credit Report! I have no knowledge of these inquiries and no account attached to them! Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when i have contacted the creditors and the creditors have no account? Furthermore, the have no knowledge with me doing any business with them. I have supporting documents as proof that these creditors have requested deletion of these inquires.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of Fort Walton Beach, Inc (WA)

All of these accounts are reporting collections as " Open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately.

COLLECTION BUREAU OF FT WALTON BEACH # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$430.00} Original Creditor : XXXX XXXX XXXX Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$400.00} Original Creditor : XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type XXXX Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX XXXX Amount : {$2000.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc (CA)

I recently discovered this collection account on my credit report. I have no idea what it is about and never received a letter of right to dispute. Credit reporting laws require that I be given proper notice and time before any collection activity is started against me.
Consumer complaint received 2015-12-31
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAINE & WEINER COMPANY, INC. (PA)

I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Caine & Weiner are in violation of the FCRA.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

free consultation at XXXX XXXX care XXXX ran my credit for wellsfargo and XXXX XXXX was approved wellsfargo XXXX XXXX XXXX XXXX used up XXXX i got back XXXX in my acct because i cancelled XXXX plan now being charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX fee XXXX XXXX XXXX Fee XXXX XXXX Total amt that wellsfargo charging for is XXXX
Consumer complaint received 2020-04-19
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. (FL)

I Have No Knowledge of these Accounts, Why Are These Account On My Credit. I Did Not Give Any one Permission to Open Any Accounts Using My Personal Information these Accounts are Fraud
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found a late payment on the date below : Creditor : XXXX XXXX  ACCOUNT # : XXXX I was never late 30 days in the month of XXXX 2017. I am not sure how this happened. I have always made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Nationwide Funding Group Corp. (CA)

We are in a purchase and the loan documents have been delayed several times to ineptitude by the loan office and his staff. We were told the loan docs were in and that the buyer had signed them but they wo n't provide the documents to the escrow officer or anyone else. The loan officer says they can not be released because the documents are post dated to XX/XX/2015. I have never heard of documents being post dated. The loan officer is blaming the lender and telling us the documents are post dated because there was 1/8 of a percent drop in the rate. This whole thing sounds fishy to me.
Consumer complaint received 2017-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my XXXX XXXX.
Consumer complaint received 2017-10-23
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: EQUIFAX, INC. (GA)

i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.
Consumer complaint received 2022-09-08
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I submitted my PSLF application with ECFs in XX/XX/XXXX. On XX/XX/XXXX, I received a letter from FedLoan Services stating, The charts above display the total number of eligible and qualifying payments you have made ( out of the required XXXX ) on your eligible loans for PSLF and TEPSLF, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. It is clear that the Limited PSLF Waiver was NOT applied as stated. The verbiage in FedLoan correspondence- in this particular letter and with past communication- is erroneous, confusing, and disheartening. Thank you for your time and assistance in rectifying this matter.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (CA)

XXXX, XXXX an amount of {$60000.00} was taken from my account illegally by the State Of Texas for a debt that had been paid for in XXXX to the State of California. State of Texas Returned the funds within 24hrs. I discussed this numerous times with Wells Fargo XXXX and they advised me that since the funds were returned it would be flagged as a fraudulent lien and could not happen again. In XXXX of XXXX, The State Of Texas or an entity within the Government filed a bogus lien again, and this time took {$100000.00} from my account. It caused me great emotional stress and immediate destitute. Release of Lien for State Of California, reference to Account/Case Number for the bogus claim The State Of Texas, was provided and Wells Fargo still failed to protect my funds. I talked to XXXX XXXX and XXXX XXXX and they were rude and not compassionate to the situation at all.
Consumer complaint received 2020-11-28
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. (IL)

I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.
Consumer complaint received 2017-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

My daughter can not afford her student loan payment and is trying to get it lowered. In order to do that, she is trying to get me released as the cosigner on her student loans. 

She has been consistent with making payments on time for years and yet, they wo n't release me saying they want all my financials. 

Navient said this is preventing them from working with her on lowering the payments. 

Scams!
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

We mad a payment to Ditech for our mortgage and the mortgage company put our payment onto someone elses account. This payment was done over the phone with a conformation number given. This payment also shows a debit out of our checking account. We have been in contact with them for 4 months about this and they say they are taking care of it and have not done so. It is still showing that we did not make our XX/XX/XXXX payment.
Consumer complaint received 2017-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XX/XX/XXXX we bought a home through 5/3 bank. The next year my escrow was XXXX negative with no explanation why. My payment went from XXXX to XXXX. They would not except my payment at the time because it was not enough.I had to refinance through them because they had brought my credit score so far down. At the full amount not taking out any and all payments we have made through the years this was in XX/XX/XXXX. Every year since my escrow is negative my insurance has not changed and my taxes were down till this year and then went up XXXX. My escrow this year was XXXX negative. Please help I can not get rid of this terrible bank. They will not let me pay my escrow my self. I do not now what else to do.Also at random time my credit monitoring company show me they add XXXX more that I owe with no explanation I have asked.
Consumer complaint received 2017-06-30
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: LEXISNEXIS (VA)

I had previously disputed a judgment account XXXX that was erroneously showing on my LexisNexis file back in XX/XX/XXXX. THis is my 4th dispute regarding this account because LexisNexis has refused to comply with FCRA 611 part ( A ) ( 1 ). <P/>In their letter dated XX/XX/XXXX in response to my 3rd dispute regarding this erroneous judgment account XXXX that they verified that this account was associated with me, XXXX XXXX. However, the LexisNexis investigator intentionally ignored a copy of the court judgment order showing that in response to my motion filed on XX/XX/XXXX to have the judgment account XXXX set aside pursuant to VA code 8.01-428 ( ii ) void judgment was granted and this default judgment account that was entered against on XX/XX/XXXX was set aside on XX/XX/XXXX. <P/>Therefore, LexisNexis can not just suppress this judgement account now that was set aside by the court and now that account no longer exist that was previously granted. <P/>LexisNexis refused to comply with the FCRA 611 part ( A ) ( 1 ) when they failed to respond and were required to delete the account. Now the judgment account XXXX has been set aside therefore they are required to delete the account completely from their files. They still do not want to comply but suppress a record that has been set aside by the court and no longer being valid. <P/>This continues to show that LexisNexis does not comply with the laws regarding consumers and continues to violate the law. You should be able to see if they are continuing to violates my rights by failing to properly comply to remove and delete an account that now has been set aside by the courts, how many millions of consumers rights are they violating. <P/>Please see my attached letter dated XX/XX/XXXX that I specifically address the judgment account being set aside by the court on XX/XX/XXXX and provided certified copies of the paperwork from the court showing the judgment that was entered had been set aside. I also provide a copy of their 3rd response letter that show how they continue to state that they have verified the account which is now false because as of XX/XX/XXXX this judgment has been set aside.
Consumer complaint received 2020-04-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan financial is reporting to all my credit bureaus that I have an open balance for Account number XXXX of {$1300.00} and monthly payments of {$430.00}. This is false and Nissan has agreed with me on the phone. I am kindly requesting they update my account as soon as possible to the bureaus. I have completed all lease payments and have 0 payments remaining as shown on documentation I am Attaching. 

Thank you
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (MI)

I received numerous threatening calls from Account Receivable Solutions, Money Recovery Nationwide and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1.  Money Recovery Nationwide- XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (GA)

Subject : Dispute of Collection Account and Violation of Consumer Rights XXXX XXXX, I am writing to formally dispute the collection account that has been placed on my consumer report by the Collection Agency. I believe that the Collection Agency has violated several laws and regulations, as outlined below : 1. Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection on my consumer report.

2. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

3. The Collection Agency is using false, misleading, and deceptive means, which violates my consumer rights.

4. The Collection Agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In this dispute letter, I want to make it clear that I am disputing owing any debts to the Collection Agency. Furthermore, I am revoking all rights for the Collection Agency to communicate with me through email, text, or calls.

I am requesting the following information from the Collection Agency : 1. Debt validation for the alleged debt.

2. The purchase agreement between the Collection Agency and the original creditor.

3. Proof of the Collection Agencys licensing and bonding.

I expect a prompt response from the Collection Agency regarding this dispute and the requested information. Failure to comply with the relevant laws and regulations will result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX