davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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. (NY)

Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.
Consumer complaint received 2022-04-30
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: U.S. BANCORP (CA)

Elan Financial fraudulently, willfully and repeatedly reporting my credit card ( ending XXXX ) balance much before the closing date ( See attached Exhibit 1 & Exhibit 2 ) in violation of FCRA, Electronic Fund Transfer & Electronic Wire Transfer. 

This has caused XXXX score to drop XXXX points. ( Exhibit 1 ) Elan and XXXX have given plenty of opportunity to do things under federal laws. Elan and XXXX refused. This would be the second lawsuit against XXXX since XX/XX/2021. 

Thus the current lawsuit against Elan shall include XXXX XXXX, General Manager, XXXX XXXX Senior Vice President, XXXX XXXX and XXXX XXXX of Elan Credit Card in personally capacity.

Because of the lawsuit, Elan must NOT contact me personally. 

cc. Law offices of XXXX XXXX, XXXX XXXX, CA
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account 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
Consumer complaint received 2022-04-30
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: BARCLAYS BANK DELAWARE (MD)

In accordance with the fair credit Reporting act XXXX Accoufft # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2019-08-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX I entered into a contract with XXXX  XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically XXXX  XXXX and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XXXX of XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when XXXX XXXX put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was XXXX in early XXXX, though it might have ben XXXX.. I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NH)

I tried to call the collection agency back, but they do not answer their phone. They've used a different phone number each time they call, and have bombarded me with numerous calls each day for several weeks. They wont return my calls or messages. They've used abusive, deceptive and threatening language and claims. They have not provided written proof of the claimed debt, nor any proof of who they are, nor proof of their right to attempt this debt collection.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (TX)

BMO Harris Bank promises 24 hour phone customer representation. They are committing false advertising. Due to Covid their excuse is Covid that they only have anyone available on the phone 12 hours a day. Theres no reason they couldnt just have people work from home. Cove it is just an excuse to cheap out on human staff
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

This account is being reported as closed by consumer. However, this account is " open '' and has never been late. This account is also being reported as derogatory. This account should be displayed as open and current.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (UT)

I was hospitalized for about 30 days pretty much within the XXXX during this time my account in American Express card was compromised I have sense upon being released from the hospital contact American Express Serve filed a report with in and filled out all the paperwork they requested as well as submitted additional paperwork like my medical records showing While the charges were made I was in the hospital they don't generally have shopping available there. I also file with them my identity theft report with the report number pray for them to look and see that I've also filed a case I with told my claim is denied on the 10th day as I assumed they would because that way they don't have to pay out a provisional credit and then I asked them to reopen it that they did not reopen it and I got a hold of the corporate Executive offices they have this points said they would look into it but they were American Express and American Express Serve its kind of different but day to talk to the manager give me that was odd because that's the office of the vice president of the company don't know how he wouldn't have some sort of influence her stay and them really investigating into this and just looking to see medical records show I was unavailable to make these purchases a I'm aware of who dead and I have tried to file a police report I was told that it was a family court matter because the person living in the house and being under 18 these matters are settled in Family Court not generally a criminal court where it's different I was told I don't know I talked to a lawyer I talked to a couple police officer and then I talked to the city prosecutor and they told me that's the way I would have to address it. he also took my phone which brings me to their first reason why they're claiming they're denying the claim my cell phone has nXXXX as well as XXXX XXXX I store all my logon information I store all my PIN numbers I store all of my debit card numbers in that in there to use them for automatic payment and just in case I need a digital copy somewhere and he was able to get into my phone because when the XXXX smart watches by the XXXX phone if the features already turned on it unlocks the phone give him full access but that's not my fault I press charges tried to and I'm doing it to family court I have filed a identity theft report I have in an orderly And Timely fashion provided all records requested and additional ones to support my claim that show that this was not me
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

The following accounts where disputed on XX/XX/2021 and I didn't have resolution. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  The Bureaus XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (PA)

Receivables Management reports a new collection amount to XXXX and XXXX   every month. Not only has the original amount jumped almost $XXXX, They have changed the amount owed monthly for the past 6 months. I have disputed the debt twice, only to have a letter sent to me with signed paperwork and no amount for the debt.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (VA)

There was a recent collection added to my credit report that is not mine. I have been harassed over and over again about this account with Allied Cash Advanced that I absolutely do not owe or have any recollection of. I have never taken out a loan with them and I have disputed this once with Allied Cash Advance with another collection agency named XXXX and XXXX. This dispute was on Complaint ID XXXX The Company Check'n Go also known as Allied Cash Advance Responded saying : " To Whom It May Concern : We want to thank XXXX XXXX XXXX for contacting Check n Go regarding the calls she has been receiving. We understand that there is some confusion with the the calls she has been receiving from XXXX and XXXX in an attempt to collect on a loan with Allied Cash Advance. We completed an investigation into the matter and advise we can confirm that there are no accounts matching XXXX XXXX 's information in our system Thank you. Customer Advocacy Department, Check n Go. ''
Consumer complaint received 2021-07-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Students First Limited Liability Co. (FL)

I received a call from a person who said they are calling to help me with the loan forgiveness program by the government, and they would consolidate all the federal loans I have and will be forgiven. And that it takes some time to submit paperwork to do that and I need to pay {$200.00} per month for 4 months and then I will have zero payment after that. 

I assumed the person who is calling is from the federal government, he asked for the email I used for my FAFSA account and told me to give him the code I received from the email I received. I did receive a " change your password " email from U.S department of education. I gave him the code and he said they are going to consolidate my loan since I qualify for that program and he sent another email which went to my junk folder which was " borrower eligibility confirmation '' and it had all my loan info and also my SSN number. 

Then I asked him why I have to pay to consolidate my loan and are they some loan collection agency or the govt itself. He did not answer and started saying things like your monthly payment will be high and how am I going to pay for that..etc. 

I realized this was not from the govt and I disconnected the call. I then changed my FAFSA password.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, my credit card was charged {$1100.00} for multiple unauthorized transactions. 
On XX/XX/2021, I received BOA phone call and alert telling me my " unusual credit card activity detected ''. I confirmed with the representative over the phone that those transactions were not made by me. BOA XXXX my card and issued a new one to me. 
On XX/XX/2021, I received the money back from BOA as total of {$1100.00} including one transaction that is not fraud which accounts for {$27.00}. 
On XX/XX/2021, I received the claim from BOA regarding their actions to the fraud activity. 
On XX/XX/2021, {$1100.00} was charged again by BOA which supposed to be only charge the {$27.00} one as it is not fraud. 
On XX/XX/2021, I received the email notification from BOA regarding their decision saying " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' In the following days, I called BOA to submit my claim to BOA. 
On XX/XX/2021, I received BOA 's notification that my claim was denied.
Consumer complaint received 2022-04-30
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: ENCORE CAPITAL GROUP INC. (CA)

I have sent in proof that Midland credit Management by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. 

I have sent in proof that XXXXXXXX XXXX XXXX was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize XXXXXXXX XXXX XXXXXXXX to use my information. It is against the law. They still wont remove it. 

# Midland Credit Management and XXXXXXXX XXXX XXXXXXXX both have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-30
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. (AL)

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (CA)

Never received any bill for XXXX or XX/XX/2019 company has zero website zero mobile app they had my info mixed with other company was also notified of intent to restructure as vessel was only acquired under the assumption it would be converted to auto transmission Also advised it would be listed as auto loan it is improperly reflecting as a secured personal loan they have ignored all requests for restructuring and dismiss all attempts for two years to correct to ensure i have the right unit they have shown zero care Also unit has multiple recalls
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

It is wrong for Wells Fargo to be able to submit incomplete or reports to this agency that does not tell the entire truth. An employee of Wells Fargo, XXXX XXXX wrote a report to me and this agency without doing the proper research. By this, I mean, she failed to listen to the all the phone calls. Why? Why would she be allowed to write an incomplete report and know that she did not listen to all the calls? Why would the company allow her to? The company finally admitted after several months that they made a mistake- this differs a lot from XXXX XXXX first report. Why? Why should this company be allowed to XXXX up - finally admitted to their mistake after I had to push and push for the right final result? Why should employee just be re trained or recoached? These mistake are honesty and integrity - things that can not be coached. The company for months denied by claims in my report but finally were forced to tell the truth and for that I get a XXXX XXXX XXXXXXXX for this. The companies response is yes we XXXX up but so what. This agency or any other federal agency will not really do any thing with us so the customer is XXXX again. The company should compensate me or offer me so token to make up for this mistake. If I make a mistake, Wells Fargo punishes me or makes me pay a fee for that mistake, but Wells Fargo just retrains their employees and this is that. Well, I am not happy with that upcome.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

For months now Experian keeps telling me that there is a problem that exist that does not allow me to get my report online at the free annual credit report site. I have tried to call them many times to ascertain what the condition is and how to fix it but I have gotten no where with them.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (AZ)

I refinance my mortgage I had with BBVA, I'm with a different lender now. BBVA was never my primary bank, I only had my checking account to pay my mortgage and HOA via Bill Pay. I have cancelled my only bill pay with BBVA for my HOA like 3 times now and it keeps trying to send the payment out again. Not only was my mortgage pay-off of $ XXXX lost for almost 30days because BBVA applied it to the wrong account, now nobody can help me with this Bill Pay issue which has caused my account to overdraft. I have called the customer service XXXX number about 5 times about this issue, I have hung up on and transfer to different departments with NO solution. I need help to stop bill pay and close this checking account, now I'm receiving letters from XXXX to pay a balance of {$55.00} and BBVA that I'm overdrawn {$150.00}. Why? I tried closing this account and stopped bill pay in XXXX XXXX. This is BBVA error and NO one can help. I don't use this account, it had a XXXX balance. attached are screenshots of canceled bill pay and a few days later I get an email my HOA payment is going out! I need BBVA to write a letter of explanation to my HOA company stating their Bill Pay error that has caused {$90.00} NFS fees with my HOA company and they need to be responsible for these fees and close my checking account. Canceling bill pay should not be so complicating and there should be support for cases like this. I don't owe any overdraft fees, I did my part and canceled bill pay 3 times and it keeps sending the payment. 

XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I recently reviewed a copy of my credit report from XXXX, XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by XXXX. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. 

Therefore, I would ask that you please conduct a reasonable investigation on the inaccurate negative information being reported on my credit for any errors or mistakes on your end.