davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX : Opened claim with BofA for unauthorized debits to my card in the amount of {$3800.00} and was told " A provisional credit will be applied to your account within 24-48 hours because I have marked the claim as 'hardship ' ''. 
XX/XX/XXXX : BofA did NOT complete claim investigation by this date. 
XX/XX/XXXX : Provisional credit for claim amount was NOT applied as required by the Prepaid Rule pursuant to Regulation E. 
XX/XX/XXXX : Contacted BofA Claims Dept and was told " Claim is still pending.. Regulation E doesn't apply to prepaid accounts with Bank of America.. No letter was sent to you.. You can continue to call for updates if you wish. ". 
XX/XX/XXXX : Claims Supervisor filed internal complaint with BofA stating " Provisional funds were NOT deposited to accountholder 's card account as required by the Prepaid Rule. ". 

To date, I have NOT been contacted by Bank of America regarding this claim as required. 

To date, I have NOT received a letter acknowledging the claim as required, but only an email on XX/XX/XXXX acknowledging the claim with dates and amounts listed, however, there is NO claim number provided in the email as required. 

To date, I have NOT received a provisional credit for this claim as required. 

It must be here stated that Bank of America previously denied a different claim from XXXX nearly XXXX times over a XXXX year period. Bank of America made many false statements regarding me and the claim itself to the CFPB as documented. Then in XX/XX/XXXX Bank of America finally resolved that claim in my favor as they should have in XX/XX/XXXX but instead insisted on making false statements and resorting to fraud in order to get out of paying the claim. All of this is documented under a previous complaint with the CFPB.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

According to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

42 USC 408 asking for anyone 's social security number on any loan is double dipping and fraud which is a violation of RICO We the people are the credit and the debt the moment of signing you received your currency twice. According to my 1666 account. Several crimes have been committed and everyone will be held accountable. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX  Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-08
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. (AZ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-14
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)

I've already given you a certified letter about some negative information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the law.
Consumer complaint received 2024-03-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

On approx XX/XX/XXXX I was alerted of a new collection account of {$150.00} for XXXX XXXX apartments in XXXX. I do not live in XXXX or ever wanted to. I called the apartment and they said I still live there with a move out date of XX/XX/2024 and gave me the apartment I was living in. I filed a police report a hour later and now in the process a of trying to figure out what this is from.
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EQUITY LOANS LLC (GA)

Equity Prime mortgage, materially misrepresented themselves as a lender and that they " loaned '' me money, which they did not as my research determined, they actually took the promissory note which secured the funds for my home purchase and sold it to investors after they first mad me believe the had made a loan to me- this is called securitization and is illegal, once i realized this i rescinded the contract and revoked their power of attorney, as i am aware my loan was already paid from my own credit,, they further evaded any attempt to provide documentation because in fact they can not, only a contract which is null and void due to TILA violations and non disclosures, they further tried to get me to recontract with them by sending statements under the guise of " Bills '' in order to mislead me into paying them twice, when in fact these presentments or statements are actually interest on the funds held in escrow due to me,, this is a violation of the RICO act, as i declined to re-contract with them, as i am clearly aware of my standing and the violations they committed and perpetrated against me. All 1099 filings have been completed, I even sent them a promissory note to discharge the alleged debt in full debt in full and the declined it /chose not to accept it under terms of the BIll of exchange act and the postal rule my debt is disharged, they further attempted to mislead me by responding to my inquiries and requests for information by sending their responses to an old address i lived at 9 months ago, they violated a cease and desist order and revocation of power of attorney and proceeded to damage my credit which is a violation of the Gramm -leach - blilley act which protects consumers from creditors reporting payment history and utilization... I DONT NOT OWE EQUITY PRIME MORTGAGE ANY MONEY, I never did, in accordance with HJR 192 all debts are prepaid, the debts of the people belong to the government, banks can not loan money, as no real money exists .. furthermore my property is held in a trust, Liened to the sum of {>= $1,000,000} per UCC filings
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc. (CA)

Prove that I walked into to this gym and signed these documents! Prove that I agreed that I received anything with my signature on it! Also you never responded to the XXXX credit letters sent to your company addresses how much you guys paid for this debt amongst other questions your obligations as a agency have to answer! Your company is a fraud!
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

I don't recall having a contractual relationship with this collection company XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-08
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. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-24
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo appears to be overcharging customers in the area of escrow balances due to inflated insurance cost in most southern states and abroad. If my mortgage payment {$1200.00} ( XXXX principal, XXXX interest, XXXX Escrow ) but then for renewal Wells Fargo states Im Negative {$4000.00} in escrow to have another additional payment of XXXX a month bringing my total to {$1600.00} a month from XXXX .literally absurd. How & Why? Something is not adding up. Ive been in my home XXXX  years and this has never happened. There projections for this year is a total disgrace. If last year I paid {$400.00} in escrow that total is XXXX Insurance was XXXX and my taxes was XXXX roughly, so how did they see XXXX in escrow for this year. If the insurance go up then thats what should be added to my new payment.

Im already paying my insurance and taxes through the year where did that money go ( XXXX ) from last year till now!
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

The company XXXX XXXX is in collections and my name is attached to this. Ive never heard of this company before until it appeared on my Credit report and decreased my XXXX XXXX XXXX points. Ive called them and they told me they wont remove it until I file a police report. I have The account details to prove that this bill is in my name, but its definitely not me. Theyre located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MI)

I HAVE NOT GIVEN CONSENT TO ANY OF THESE COMPANIES. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 o 2 STATES I HAVE THE RIGHT TO PRIVACY.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Over a year ago I got notice I owed a credit card debt. I had no idea what this was about. I immediately sent out a validation letter with no response. I then sent out more validation letters with no response. So, they never responded to me but then sued me and placed it on my credit report. I thought this was not allowed. The company collecting for LVNV was XXXX XXXX XXXX. At the time that is all I knew. This was stressful and time consuming. I went to court a few times and then this last time the judge dismissed the case. I have asked them to remove it from my credit report but no answer. I don't owe this debt. I have been injured by this carelessness. I was denied a mortgage because of this. I just thought that while I filed those validation letters they could not place me in collections or sue me until they had proof. They did it anyway.
Consumer complaint received 2022-11-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. ()

I moved to XXXX in XXXX. When I first moved here, Nelnet accepted monthly student  loan  payments in XXXX funds with XXXX checks sent in the mail. Then suddenly they required those checks to be in US funds, so I opened a US checking account here and sent my payments that way. Then suddenly those got mailed back to me, and Nelnet said they no longer would accept them because they have a " foreign routing number ''. So, I would get a US bank draft every month and then mail the payments. Mail from here to US is unpredictable and payments often arrived late ( they would not accept post dated checks either ), the bank fee was $ XXXX and a hassle, so I inquired if there was another way to pay. They said they do indeed make exceptions for XXXX  residing customers and would allow payment by phone with my credit card. ( Online bill pay doesn't work either, nor does my debit card here -- because my bank is considered to have a " foreign routing number ''. ) For credit card payment I had to phone a NON toll free number, though. Anyway, that worked for about a year and was very convenient. Then I went on a XXXX  XXXX, and qualified for $ XXXX payments for a year on the income driven repayment plan. Now, I am back to needing to make monthly payments. I phoned just the other day to make my first one, called the NON toll free number as I had before, the teller entered my credit card information and then put me on hold approximately 3 times for 10 minutes each ( NON toll free! ) because she was unable to process the payment. Turns out, Nelnet no longer accepts credit card payments for XXXX  residing borrowers. She said " we used to do this all the time, I hadn't known the policy changed ''. She says the only two options I have now are to 1 ) have a family member residing in the US pay my monthly student loan amount for me ( ha!!! ) or, 2 ) POSSIBLY that a pre-paid XXXX  card would work. I will not burden someone else with making my student loan payments for me every month, and I find it appalling that the US student loan provider does not have an option for me to do this. When I asked if the pre-paid card method would work, all she could say was, " I don't know for sure, but you can try it. '' Why would I go to the trouble of buying the pre-paid card, calling the long distance number, waiting on hold, trying to make the payment -- all for it to fail? 
Why does Nelnet not have an option for someone who does not live in the XXXX to make a payment on their student loans? I surely can not be the only Nelnet customer who lives abroad. 
She had no other options for me. Get a family member to pay it, or buy a pre-paid card and try again but " it might not work ''. 
I refuse to call back and try this. If Nelnet wants me to make payments on my loans, from XXXX, they need to come up with an easy and fast way for me to do this. It is XXXX.
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

Received a bill from XXXX XXXX for a credit card I did not open. 
2 purchases totaling {$960.00} 1XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX 's {$240.00} XXXX XX/XX/2021 XXXX, XXXX  XXXX XXXX {$720.00} Opened mail today Sunday XX/XX/2021 Tried to call XXXX XXXX credit customer service to dispute but the are not open on Sunday.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (WI)

I don't recall having a contractual relationship with this collection company AMERICAN PROFIT RECOVERY. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-06-27
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: EQUIFAX, INC. (MI)

I the consumer a natural person demand XXXX  Equifax XXXX remove all accounts from their credit report on me as the consumer immediately As the consumer I never authorize XXXX Equifax XXXX  to furnish a report on the consumer take everything off the consumer profile and report. XXXX Equifax XXXX own the consumer {$60000.00} dollars for violating my consumer as natural person pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Send me the consumer the contract that your company 's allege say that the consumer sign threw through CFPB and the consumer will file a complaint with FTC. No consent is identity theft violation under federal law. Send me check for violating my consumer rights as federal protected consumer.
Consumer complaint received 2020-05-24
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

Received a letter in the mail on XX/XX/2024, stating I applied for a CHASE FREEDOM Visa Platinum credit card. In the letter it stated they needed more information in order to process the application.

I did not apply for this credit card. I called JP Morgan Chase Bank, they saw an application for this card. I gave them the reference number that was on the letter, and they closed the application/account due to fraud. 
I also contacted XXXX and reported this to them as well. The fraud department removed it from my account.
Consumer complaint received 2023-07-13
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX