davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Herbert P. Sears Co., Inc. (CA)

Ive checked my consumer report and noticed a fraudulent account present, under 15 usc 1681 ( a ) ( 1 ) ACCURACY AND FAIRNESS OF CREDIT THIS ACCOUNT IS IN VIOLATION ( 1 ) THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CREDIT REPORTIG, WHICH THIS IS NOT, THIS ACCOUNT TREMENDOUSLY EFFECT ME MENTALLY AND EMOTIONALLY BECAUSE THE CREDIT REPAIR AGENCIES CONTINUE TO NEGLECT THE LAW BY REPORTING THIS KNOWING OF ITS INACCURATE ORIGIN ALSO IVE WRITTEN MY PREVIOUS DISPUTE OVER 30 DAYS AGO STILL NO RESPONSE FROM THE COMPANY IN QUESTION
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Caliber Home Loans, Inc. (IL)

Caliber Home loans was my mortgage servicer until XX/XX/XXXX when it was transferred to XXXX XXXX I contacted Caliber Home Loans for my mortgage interest statement - XXXX for XX/XX/XXXX to XX/XX/XXXX. They can not find any of my information and gave me an email to request the information. I then sent an email to XXXX { the service department they gave to me }. I did not receive any information from them, nor did I hear back from the email I sent. The 1098 is required to be given to consumers no later than XX/XX/XXXX. I have not received anything, and no one has been able to even give me an amount of the interest I paid. I need to file my taxes. I need that information as soon as possible. Thank you, in advance, for your help.
Consumer complaint received 2022-06-16
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. (WI)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX, XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX bankruptcy dismissed Date filed XX/XX/2017, 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 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Violation : 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Experian has notified me today XX/XX/2022 that are opening a dispute from XX/XX/2022, several months ago and over the 30 days period allowed by the FCRA. Please see attachment.
Consumer complaint received 2023-03-30
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. (CA)

I have disputed debt collection from XXXX and XXXX. They did not have a proper license to even collect the debt. It was preventing me from qualifying for a new place since it was showing as an active collection. On XX/XX/23 I paid {$130.00} to have the debt removed so I can move. XXXX and XXXX reported the account as paid for removal. XXXX removed the account in XXXX around the XXXX. XXXX removed the collection account on XX/XX/23. Equifax is claiming they have not received this information despite XXXX and XXXX sending the updated information. I also provided Equifax with the paid receipt. I could not open a new dispute with Equifax to provide the actual letter that I received from XXXX and XXXX. I have made several calls to Equifax.
Consumer complaint received 2024-03-18
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

After complaining to cfpb then Bank of America finally begun a dispute, however it was short lived, they never followed thru. 

They credited temporarily and thereafter removed the temporary credited. Spoke few times with company and they have no records of anything. Bank of America assigned a fellow who called once and left a callback number, but never answered or returned calls. Their executives are failing as well. 

Bank of America schemes to defraud. It's has been several times that they fail to refund right away, and refuse to dispute charges with evidence presented. 

Not long ago a dispute was filed with evidence of the merchant 's refund but Bank of America took long time to acknowledge. 

Bank of America became a malignant lender who should be investigated and banned from the industry.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Agency of Credit Control (CO)

My identity was stolen and my data has been leaked multiple times. I never rented from this company. There is also a XXXX XXXX  bill associated with this address as well as an electric bill. Please remove from my credit report immediately
Consumer complaint received 2023-01-12
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: LEXISNEXIS (TX)

XXXX XXXX recently sued for the improper use of consumer credit file information, including information that is not shared with this entity. 
I requested a disclosure report and received a letter stating the process by which they gather information from credit bureaus and other government entities. The problem is that I requested a letter seeking validation of the information listed on this consumer report with their company. Of which, I did not receive. 

A Consumer Alert Security Freeze Identity Theft Security Date Placed XX/XX/XXXX A request to opt out of their consumer reporting agency was sent on XX/XX/XXXX. I received a copy of the consumer report by mail on XX/XX/XXXX. 

XXXX XXXX & XXXX has a XXXX Bankruptcy listed as Dismissed. XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Does not share or validate the information with third parties. This information could not be validated using personal, or identifiable. 

XXXX  has violated my right to privacy. I requested to Opt-out as well as suppress the information in their database and unfortunately, they have continued to maliciously use my personal inforamtion causing reputational harm when applying for homes.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

On XX/XX/2022 charges where made on my account that I didn't mage totaling XXXX. Chime had alerted me that a charge of XXXX hit my account from XXXX. I called chime to dispute the charge while I was calling them another charge was declined from an amount of XXXX thank XXXX. So while I was on the phone with chime 3 more charges went through for XXXX each totally XXXX. I even told them as I watched helpless. They told they couldn't stop pending transactions but could shut off my card and issue a new one that that point and when they went from pending to settled then I can dispute all of them. So I did just that. The turn around was less than 24hrs and told me they denied they dispute but didn't tell me why our send any e-mail with documents showing why. They said they'd reopen it with more info if I had anymore to give them. So I did just that I found the number to XXXX and called them they told me I had to be a member of XXXX to get any information on the charges and he said since I wasn't a member that should be evidence enough for chime to call them and get info on my case. So I gave chime the number and they still denied my dispute. I filed with my local police department have then that info and still denied my dispute.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scammed and the scam was able to access my bank account through a phone scam and emptied my account as soon as I realized what had happened I reached out to my bank filed a claim, gave them all the details I had including phone number used by the scam to contact me also filed a police report they told me to wait for an answer about 45 days there was nothing else to do and when I received the letter from them was completely in shock it was like they did not consider any thing told them about what happened or Amy information. Their response was cold blunt blunt and insinuating that I caused the problem the ladder was unprofessional they simply told me they would unfortunately not be refunding my money they turn down the tell me they followed instructions given by me ( which is not true ) saying therefore there was no error and if I wanted to proceed further I should contact the person Ive sent the money to which was absurd I have no idea who the scammer was or anything about the money except I need the money desperately that he took from me. I am XXXX XXXX  living on one single income for XXXX and the money he took was my income for the month For bills and groceries.
Consumer complaint received 2022-07-05
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. (CA)

The items listed below are reporting on my file and were found in my reports with Experian credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

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 2020-07-06
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. (AZ)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security
Consumer complaint received 2016-09-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WY)

In XXXX XXXX I contacted the wells Fargo bank manager in XXXX that I needed to open a savings account in my XXXX year old mothers name. I was promptly informed that I would need my mothers ID as well as mine to do so. I had to return home to retrieve my mothers ' information. Since XX/XX/XXXX I have had Power of Attorney for her and had filed a copy of the document with Wells Fargo at that time. At the time of filing, The bank had their attorneys look over the document to determine if anything needed to be done. My mothers account ( XXXX XXXX XXXX ) was sent up as a checking account and noted as a Trust. I can not be listed on that account as I am a recipient of the Trust, however, the Bank allowed me to pay her bills and expenses for her personal and business activities from there with out question as her Social Security Check and Retirement Checks all deposit into that account! I have been doing this since XX/XX/XXXX. 
The ( New ) branch Manager of the bank informed that she had no file of the Power of Attorney and that I was not authorized to get into my mothers funds! I did not have a copy of the document on me and was not about to make a THIRD trip back to my house to produce the document as the bank should have had it on file somewhere! 
The manager became quite rude with me and told me that I was committing fraud by not producing the paperwork. I left the bank telling the branch manager that I would simply take our business elsewhere! 
A few weeks later I get a visit from the State Department of Family Services investigating me for fraud and even questioning whether I was her son ( our last names are different ). The complaint was filed by Wells Fargo Bank. 
Needless to say I showed proper documentation to DFS and the closed the investigation. Contacting DFS and filing a complaint was and is way above the duty of the bank! This caused a lot of stress on me and my mother and was completely unnecessary. 
For a company that is currently under indictment for fraud of is customers, You have a lot of XXXX!!
Consumer complaint received 2022-06-16
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2024-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (NC)

I am writing to express my dissatisfaction with the lack of communication from your organization, Online Information Services, subsequent to my initial interaction with Online Information Systems. Despite multiple attempts, including correspondence sent via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX ) and subsequent follow-up correspondence ( tracking number : XXXX XXXX XXXX XXXX XXXX ), I have received no response. 

As a diligent consumer, I have made considerable effort to engage with your entity in resolving any outstanding matters. However, the absence of any acknowledgment or response on your part is concerning and does not align with the standards of professional conduct expected in such matters. 

In light of the aforementioned circumstances and in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically outlined in 15 USC 1692c ( c ), I must assert my right to refuse payment on the alleged debt. Furthermore, I request that any associated trade line related to this matter be promptly removed from my consumer report, along with any accompanying remarks, to ensure accuracy and fairness in my consumer profile. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-06-16
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. (FL)

I have hard inquiries that I do not recognize or did not authorize appearing on my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602. This states I have the right to privacy ( 15 USC 1681 ( Section 604a section 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor man not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (AL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for do any purpose
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/2022 I received a document saying my credit card was changing and that my 2.5 % cash back was changing to 1.5 % cash back, but that they'd put an additional 1 % cash back onto the card for all qualifying purchases through XX/XX/2022. 

It was eventually confirmed my card was only getting 1.5 % cash back, even though they could locate the XX/XX/XXXX document and the XX/XX/XXXX email confirming the 2.5 % cash back. 

USAA told me on XX/XX/2022 that as of XX/XX/2022 my card was switched and instead I was getting 1.5 % cash back the entire time. 

At this point I've been sent to six different people ( credit card dept, rewards dept, customer resolution dept ) and no one is able to fix this issue. I've been told my rate should be adjusted and backdated, but no one knows who does that which is why I'm here.
Consumer complaint received 2022-06-16
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. (WI)

in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (AL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for go any purpose
Consumer complaint received 2024-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

What happened? -- This debt collector engaged in abusive, deceptive that we didn't agree upon and I didn't sign an agreement on a legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 


What would be a fair resolution to the issue? - I demand this company to delete the account from all three credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA XXXX Balance {$3200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I would like to know what type of math equation is used that a customer owing {$700.00} in expenses turns out to equal {$6400.00} to this date in XX/XX/XXXX. I have never known a account to continually go up rather than be paid down monthly. 

I have paid {$8100.00} on an account that if my statements are examined what is reveled is no charges in 2-1/2 years. It looks like all of my payments have been added as money owed on the account. I have more than paid for this account to be closed. 

The calculations for the credit limit added with the interest on the money that has been paid into the account has resulted in a outrageous monthly bills. 

How many letters do I have to write addressing this very problem. Capital One should be ashame of themselves taking advantage of a consumer who pays their monthly expenses. I would like advise on how to close this account out as soon as possible. There is no way fairness has ever be used since XXXX sold the account to Capital One.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

This account was never MY ACCOUNT. 

My attorney wanted me to file a dispute and add this PDF so there was a record so that we can get equifax in court here