davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Subject : Re : Beneficiary XXXX TRUST DISCHARGE APPOINTED FIDUCIARY XXXX, ORDER APPOINTED FIDUCIARY, TRUSTEE, SURETY, GRANTOR, BANK OF AMERICA XXXX, CA XXXX BENEFICIARY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Appointed fiduciary 's ORDER TO PRINCIPALS IS ORDER TO AGENTS HOW TO PREPARE BENEFICIARIES TAXES IRS/FTB How to Prepare IRS/FTB Fiduciary Taxes Social Security 's # XXXX How to Prepare Fiduciary Taxes. " Names of People '' the constructive statutory Vessel all cap letter name of the USA corporation of " names ''. Undertaking the XXXX XXXX XXXX XXXX of the US can not be taxed. 
WITNESS XXXX BENEFICIARY XXXX XXXX XXXX, XXXX XXXX XXXX Beneficiary/ Authorized Representative of XXXX Trust XXXX PENDING DEBT BY XXXX " XXXX XXXX XXXX ATTORNEY XXXX XXXX and IRS/FTB XXXX XXXX ''. 
XXXX XXXX The XXXX ( XXXX ) XXXX Trusts " names '' are the specific denial of rights of Real Property, Personal Property and Ecclesiastical Property for most men and women, corresponds exactly to the XXXX forms of law available to the XXXX of the Bar Association Courts. The XXXX form of law is corporate commercial law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX and trust law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX law is effective because of the XXXX XXXX Trust of Baptism. 
XXXX XXXX The Birth Certificate issued under XXXX Law represents the modern equivalent to the Settlement Certificates of the XXXX century and signifies the holder as a pauper and effectively a XXXX. The Birth Certificate has no direct relationship to the private secret trusts in " name '' controlled by the private banking network, nor can it be used to force the administration of a state or nation to divulge the existence of these secret trusts. XXXX XXXX Given the private secret trusts of the private central banks are created on false presumptions, when a man or woman makes clear their XXXX XXXX XXXX and claim over their own name, body, mind and soul, any such trust based on such false presumptions ceases to have any property. 
XXXX XXXX Any Administrator or Executor that refuses to immediately dissolve a XXXX ( XXXX ) Trust, upon a Person establishing their status and competency, is guilty of fraud and fundamental breach of their fiduciary duties requiring their immediate removal and punishment.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Wakefield & Associates and a validation letter was sent. On XX/XX/XXXX I reviewed my credit profile again as Wakefield & Associates had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, was ran through Medicaid and not paid and that all information is correct.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-07
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: COMMERCE BANK (IL)

I have been working with Commerce Bank since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. Commerce bank admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with Commerce Bank, Loss Containment, Credit Dispute,  Customer Service, and their Regulatory Risk Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I was denied credit ( loan ) through XXXX XXXX who used credit reports from Clarity Services XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXX XXXX 
this is a violation as a consumer.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

A balance is reporting on my Chase account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with Chase and they have failed to correct it.
Consumer complaint received 2022-08-15
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. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX violated my rights 15 U.S.C 1681 Section 602 A I have the right to privacy 15 U.S.C 1681 Section 604 A 2 It al so states a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

On XX/XX/2020 I spoke with several representatives from TransUnions Fraud department in attempt to get several fraudulent hard inquiries removed from my credit report. 

I spoke with XXXX XXXX re : XXXX I told her that the hard inquiries were fraudulent at the beginning of the call toward the end she told me that I hadnt mentioned that the inquiries were fraud and disconnected with me after being very rude. 

I called again only to be met with more roadblocks and attempts to stall me from getting the fraudulent information removed from several agents. In all I called about 3 times and spoke with about 9 agents. None were able to assist me with getting the fraudulent inquiries removed from my report.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: MORTGAGE CAPITAL ASSOCIATES, INC. (OR)

XXXX XXXX, XXXX # XXXX, Mortgage Capital Associates, Inc. XXXX XXXX XXXX. 
Changed the lender credit to {$500.00} from {$1500.00} for the HUD statement from the title company before closing on a 15 year refinance. This is a {$1000.00} drop from the last updated disclosure. 
They were slow in setting up an appraiser, did not set up an appropriate lock timeline given XXXX hot market, asking for papers that could have been supplied early on in process beyond the lock date. 
The claim that there were extra costs and delay because of the subordination notice. This subordination fee was already included in the dated XX/XX/XXXX detail. The appraisal was also competed before this.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Neon Newco Corporation (CA)

Today I received an unsolicited business debit card in the mail from a company named netSpend in XXXX, TX. It has a MasterCard logo, 16-digit account number, expiration date, and 3-digit security code. I called the number listed in the accompanying letter to opt-out but there was no option to speak with a human and every other action required entry of a 16-digit code or SSN so I hung up. I have never done business with these people, am not interested in their products, and the unsolicited card put me at risk for identity theft and credit card fraud.
Consumer complaint received 2017-02-21
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (MD)

I received a NetSpend Prepaid XXXX from a company called NetSpend, XXXX, XXXX TX XXXX. It was unsolicited and when I called the number they gave to OPT-OUT and decline the message did not give that as an option. I have sent an e-mail but do not have much faith that they will comply since the interactions so far has been extremely suspect.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have recently engaged in a dispute process with XXXX, Experian, and XXXX concerning certain entries in my credit report. The basis for my dispute lies in the inaccurate reporting and non-compliance with the METRO2 standards of the accounts in question. As you may be aware, the METRO2 Compliance system, established collaboratively by Experian, XXXX, XXXX, and XXXX, aims to ensure the precision of consumer credit reports. Regrettably, XXXX, XXXX, and Experian have not adhered to these established guidelines. 

The rationale behind this dispute pertains to inaccurately reported accounts within my credit history. It has come to my attention that notably ; XXXX, Experian, and XXXX adherence to the stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. I have diligently attempted to rectify these inaccuracies with XXXX, Experian, and XXXX 's assistance. Despite the evident misreporting of the accounts, XXXX, Experian, and XXXX has chosen not to eliminate the adverse entries from my credit report. In support of my claim, I have appended documentation reflecting my communications with XXXX, Experian, and XXXX, alongside compelling evidence substantiating the imperative removal of these negative accounts. 

I kindly request your appraisal of the furnished evidence, with the aim of facilitating the expeditious removal of the aforementioned negative items from my credit report. Your expertise in this matter would be greatly appreciated.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-07-07
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. (LA)

show tooltip button XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ALL FTC VIOLATIONS REPORTED AND SENT TO THEM
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I thought I was purchasing sneakers From the XXXX  page XXXX XXXX but I was scammed for {$900.00} through XXXX XXXX for half And XXXX for the other half. When I realized it was a scam I tried texting them but I was blocked and when I called my bank and XXXX XXXX they both told me they couldnt help me because I had authorized the purchase all BOA could do is make a claim and they actually told me I need the scammers permission to get my money back like what tell me where he is and Ill go get it myself it makes no sense sane person scammed my friend for XXXX and the worst part is we cant even get his page banned reported it multiple times and its still up XXXX
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (FL)

I have spoken to reps from Mohela in XXXX and XX/XX/XXXX, and XX/XX/XXXX. I have filed a credit dispute from XXXX in XX/XX/XXXX ( although all credit bureaus are reporting {$240000.00} owed to Mohela as of XX/XX/XXXX. Loans were forgiven XX/XX/XXXX due to PSLF program and reflect zero account since then. I would like my credit reports to be accurate. Thanks for your help.
Consumer complaint received 2020-12-06
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. (CA)

I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I refinanced, loan was paid off XX/XX/20 with Bank of America ( BOFA XXXX I paid my monthly mortgage in the amount of {$2600.00} using auto pay through BOFA. Auto pay was not stopped, subsequently another mortgage payment was released on XX/XX/20 to my closed BOFA mortgage account. From XX/XX/20 to XX/XX/20, Ive made numerous attempts by phone and social media to receive a refund and Ive received NO HELP. Ive called their customer service at XXXX XXXX XXXX numerous times and that was unsuccessful. I also initiated a complaint on XXXX with their Mortgage servicing Escalation Team on XX/XX/20. Per their request, I provided, my name, property address and telephone number and was told they would be happy to connect with me. I was assigned a Specialist on XX/XX/20. I have followed up about 4 or 5 times and I get no response as of XXXX. Thank you very much for your help, I look forward to hearing from you.
Consumer complaint received 2020-09-03
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. (TN)

For the last three months ( XX/XX/XXXX-XX/XX/XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.
Consumer complaint received 2021-08-03
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. (AL)

I checked my credit report XXXX of XXXX  and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

For the last three months ( XX/XX/XXXX-XX/XX/XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.