davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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. (PA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-02-04
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
Consumer complaint received 2015-04-01
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against me for a debt that was open by someone in XX/XX/XXXX when i was only 15 years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XX/XX/XXXX and discharge in XX/XX/XXXX they never notify by mail or phone call also\they got a default judgment against me in stated garnishing my bank account.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

In XXXX and XXXX of 2022, Bridgecrest was notified that I was refinancing my car loan. On the day that I received an email that Bridgecrest would be reporting a delinquency to the credit bureau, I learned that the pay-off check from my new loan servicer, XXXX XXXX XXXX , had been lost in the mail. Upon calling Bridgecrest and after speaking with two supervisors the only solution that I was continuously provided was that I had to make a payment. While I did make two payments, one to each loan servicer, I explained to Bridgecrest that because I am already making monthly payments to XXXX XXXX XXXX I could not also make a monthly payment to them for the same vehicle. Because the only solution to not reporting me as delinquent to the credit bureau was to make two car payments each month, this appears to be an inequitable, predatory, and unfair approach to dealing with customers who want to resolve a matter that is beyond their control.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My bank, Citizens Bank, is trying to charge me an overdraft fee when I was not overdrawn at any time. When I contacted them, they said it was for a transaction from 5 days earlier, although my account shows that I was never in the negative. They tried to say that " maybe it was from a pending transaction '' although they could n't find it. They said they would research it and get back to me at a later time.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

This is a two-fold complaint regarding a house my father owned and has now been transferred to me in a trust. 
1. When my father was alive, we attempted to refinance the home under Obamas HARP program and were told that my father was not eligible for the HARP or any other program. My father is now deceased. 

2. When JPMorgan Chase found out that my father died, they have misappropriated escrow monies ; have a conflict of interest by putting lender forced insurance on the house through JP Morgan Chase ; have held mortgage payments in suspense creating late fees ; and not applying escrow funds that were sent in the form of a cashier 's check, certified mail with return receipt. I believe this bank is attempting to force a foreclosure on this property which is now my property. They are refusing to speak to my husband who is a POA in addition to myself despite my writing a letter to them.
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Certified Services, Inc. (IL)

This company refuses to remove medical debt that IS in litigation, the debt is a result of a motor accident where it was deemed I was not responsible ( hit by a driver who was texting ) The XXXX lady whom I spoke with told me " it is our policy to place a negative remark on credit file until you pay '' I reminded her that they have a lawsuit lien ( which makes sure they are paid first ) she confirmed ALL of my attorneys info, the lawsuit filling number in XXXX XXXX, my correct address, DOB. 

Despite telling this lady over and over again that it is in litigation and destroying my credit, ( even after the law changed regarding medical bills ) the lady said that it would not come off my credit file until she gets paid, the are not required to follow as they have their own policy. 

I called the doctors office whom I received treatment from, explained the situation to them and was told again that its their policy to place on credit file until paid, even if there is a lawsuit prohibiting me paying directly they have to get paid before removing. 

I have spent 5 years rebuilding my credit following a bankruptcy due to identify theft. I can not pay off this debt as it is in litigation, I can not get the debt pulled until it is paid, the XXXX lady is literally quoting practices that do not exist. 

They also call and hang up after 1 ring ( common creditor practice in this area ) they claim its to make sure the number still works, and so on, however its then used to make you go before a judge saying you wont take their calls. 

I have directed all communication through my attorney, however this is part of a crash claim that is being settled by XXXX XXXX ( the defendants insurance ) and the collection agent will not honor any request other than my attorney paying them direct. My credit has dropped XXXX points because of this hostage scenario
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I filed complaint against Bank of America refused to serve me a new credit card application because of overdraft history and bad credit records in their discrimination against American with Disabilities Act, so they do not interest in American with Disabilities Act 1990, Please relocate me to other bank institution what they denied my credit card application discrimination against XXXX XXXX XXXX from Bank of America. They do not want me applying a credit card with reward points that they do not like my appearance and XXXX issues. I complain against Bank of America that they insulted me in XXXX addresses that they denied my reward point with credit card application because of bad credit record and overdraft records. Report to US Senators and Speaker XXXX XXXX in charging serious requirement.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (WV)

Hello my name is XXXX XXXX, I 'm working with XXXX XXXX XXXX ( XXXX ). I have or had a case # XXXX. My wife, XXXX, and myself have been working with Wells Fargo, they foreclosed on our home back in XXXX, while under modification. We won the right to resend, you will see this in the case # XXXX. I NEVER received a letter to when the payments where due, my lawyer however received paperwork to complete the title of the home, and such. I did however receive a letter stating we were under the process of getting the home back, the letter was dated XXXX/XXXX/16, the letter was mailed on XXXX/XXXX/16. On my original loan, my due date was the XXXX of each month becoming late on the XXXX. I had to call Wells Fargo, last week, XXXX/XXXX/16 in a fear of late payments. In which I made XXXX for XXXX, with XXXX XXXX. Then just Friday of last week XXXX/XXXX/16 I got a call from XXXX XXXX, @ XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, and was informed I was behind a payment for XXXX. When I spoke with XXXX, I was informed I should NOT be making payments because I would receive a new loan number, and that all my payments could end up in limbo. Again, I called Wells Fargo and this time spoke with a lady, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, who told me I should ASSUME my payments were due back in XXXX, with no letter stating anything was due.. I 'm being told so much different information I am again at a loss, and fear of losing my home. I need help, and I need so resolution to this matter. I have met every demand of Wells Fargo, with the help of XXXX XXXX. I have a wife who has become so ill over this matter, and XXXX young sons who deserve my time, and their home to be safe. Please contact me, XXXX XXXX ) XXXX XXXXXXXXXXXX, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX. I am attaching the very last letter I received from Wells Fargo ... I 'm asking for help, my family is asking for help, in keeping our family home. This has been two years trying to find closure and peace. I will mail a copy of the last letter we received. 
Thank you XXXX XXXX
Consumer complaint received 2023-05-09
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: SYNCHRONY FINANCIAL (CA)

I booked a hotel, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX, on XXXX on XXXX XXXX for XXXX XXXX, XXXX  using my PayPal Synchrony Bank Mastercard. An amount of {$130.00}. 

Upon arrival, I discovered the room to be completely uninhabitable : XXXX. Cigarette burns on sheet XXXX. Box spring has bedbugs XXXX. Furniture defaced with graffiti XXXX. Sofa broken and unsafe for sitting XXXX. Deadbolt missing, super-unsafe especially for the bad neighborhood XXXX. Door had hole in it XXXX. Toilet was clogged and full of XXXX After discovering this, I decided not to stay the night, because it was unsafe, unsanitary, and completely unlivable. 

I did not stay in the hotel at all. 

I asked for a full refund from the hotel on the very same night of check-in, as well as from the booking site ( XXXX ), but I was denied for a refund, despite never staying. 

I filed a chargeback, and despite my documented evidence ( photos, emails, receipts, etc. ), the bank sided with the merchant. 

I want CFPB to investigate this case for me, thank you.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I noticed that I had a pending/hold on my Bank of America in the amount of XXXX. I called the customer service number and was told that I needed to go into a Financial center with XXXX forms of ID, to confirm my identity. On XX/XX/XXXX I went into the BoA financial center on XXXX XXXX. XXXXXXXX XXXX. I took in my drivers license and birth certificate. The representative tried to be helpful, she was equally confused as when she called the corporate number, no one could properly explain why my account was frozen. She was informed that she needed to email a particular individual to inquire about my accounts. She requested her manager to verify that she was indeed supposed to do so. They looked up the email given and it was verified that it was a BoA staff member. She emailed and was promptly emailed back asking if she could take a call. The individual called and spoke to the local representative. They did ask what was the source of my income was. I explained that I received international transfers for child support, and I was XXXX for others. They did not give any explanation and said that I should expect a call or email from them. That there was nothing that they could tell me. I have called several times trying to find out what I could do to rectify this situation. I have been repeatedly been told that there is nothing that I could do. I simply had to wait. Each time I was read a scripted response, that they could not tell me anything. I recently started a LLC with a partner that was focused on buying properties through the tax sales, and rehabbing homes that were in distress. The week prior to this issue we spent XXXX in the XXXX XXXX XXXX XXXX, and a additional XXXX in the XXXX XXXX XXXX XXXX. Those successful bids had to be paid for by the end of business by certified check or cash. We utilized both as we were not certain of the exact amount of our successful bids until the time to pay. I am very concerned that a financial intuition has overstepped their bounds by questioning how or what our business does. It is not illegal to buy property at a tax sale. Those sales are held by our local governments. As of now all my personal and businesses are frozen. I have not received notice from the bank. Nor has my business partner.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I was in the process of trying to purchase a home when a loan I previously consolidated appeared on my credit report. I attempted to make contact with Naviant and the XXXX and they both stated they did not have the loan even though it appears on my credit. My current situation is that I am being garnished by the loan serviced Navient even though they claim they have no record of my account. I want to pay what I owe but I question their calculation and the lack of information regarding status of my loan. I have waited on the phone more than 3 hours total over 4 days trying to rectify. I need to know my next steps. I have notified all of the credit reporting agencies.
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I already reached out to transunion regarding some inquiries that were not supposed to be made on my transunion credit report. 

They have validated the inquriies These companies advise me that they would make a soft inquiry but they were hard. 

They did not have permissive use.
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

My Bank of America credit card which had not been used in a year and dont even have a card, was charged a yearly fee for AAA , I never received a bill or any attempt to collect, I was charged several late fees. When I checked my credit report, which I check often, I noticed a XXXX day delinquent acct, I called Bank of America and paid the charge and closed the acct, they told me twice over the phone that they were sending a letter to the credit bureau to revoke the missed payment as I was never alerted or given a chance to pay, I have disputed XXXX  with XXXX and they are telling me BOA is claiming the missed payment is correct and experian wont or cant reverse the negative reporting.
Consumer complaint received 2019-02-21
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: WELLS FARGO & COMPANY (NC)

My husband purchased a truck in XX/XX/XXXX in XX/XX/XXXX he was dignosed with terminally XXXX  XXXX 's XXXX I was not on the notr he XXXX in XX/XX/XXXX the life insurance he purchased when fiancing the truck was to pay it off. Well now I have this on my credit report and they came and picked up the truck. It was repossed I sent them in a payment of XXXX dollars when I went and got my truck all of my husband personal belongings we're gone they gave me a check for XXXX to replace them and the steering collom was broken they said because I signed that check they were not libal. How please help me I have no truck no husband and this is not fair at all. Now this is on my credit report this was to be given to our daughter. We have XXXX children .please help me we paid XXXX dollars and they took the vehical and out the XXXX he owes they say iby credit report they should pay me theXXXX they took it from me he had insurance threw them as well as life insurance.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BMW Financial Services NA, LLC (CA)

account number XXXX BMW financial services, is reporting XXXX delinquencies on my records for the mentioned account number, to the best of my knowledge that never happened and need to be removed since these are hurting my credit. i would need your help since i have been disputing many times and they never responded me back with evidence.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

This morning I was alerted by my credit monitoring service that XXXX XXXX was added to my XXXX report. 


I have no knowledge of this company, My address is registered with the local post office and the IRS. 
Theyve not mailed any notices, alleging any debt owed, they just simply abused the loopholes they have and added this account on my credit report because they know this is the time of year when people typically have more money and are more uneducated to pay. 

I am fully aware of my rights under the FCRA and XXXX XXXX is operating unethically
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Dear Sir/Madam : XX/XX/2017 someone use my account to purchase of goods and services twice that day for the amount of {$300.00} total which I did not authorize. I contact Bank of America what happen but they reject my claim right away with out any investigation. I report to them to get a new card and I report this to XXXX Police. I contact Bank of America again and again to no avail. 

I am running out option so I have to complained to Ohio Attorney General Consumer protection and they advice me to contact Consumer Financial Protection Bureau. 

I hope Bank of America to investigate that I did not authorize any body to use my card, the card is always in my wallet I never give my card to any body. 
I really appreciate in advance for your help. 

Thank you, XXXX XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Experian, XXXX and XXXX is reporting a fraudulent account .XXXX XXXX XXXX  XXXX DATE OPENED : XXXX XXXX {$450.00}. I request debt validation and verification letter. I file a identitytheft etc XXXX .. XXXX XXXX  XXXX XXXX ( XXXX  )