davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX BK OF AMER XXXX, BK OF AMER XXXX
Consumer complaint received 2019-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXX NCSECU in XXXX XXXX NC, executed a teller withdrawal from my savings account in the amount of {$950.00}. They stated it was from an issue back in XXXX. I have no record of that issue and they can not show adequate information to support their action.
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. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2020-07-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IL)

Hello, I'm seeking you out today in regards to AFNI COLLECTIONS. 
This company has been calling me and harassing me to pay a debt i do not owe. 
I have asked them several times to stop calling me and to take me off their call list. My wife and I are in the process of becoming 1st time homeowners and i'm worried that if this issue is not resolved i will not qualify for a mortgage loan. Afni has not mailed me any documentation pertaining to this debt. I have mailed them a certifed debt vaildation letter request and they have not mailed me anything back yet. On XX/XX/2020 i spoke with XXXX, who stated if i didn't pay this debt of {$170000.00} that they would call the DMV to suspend my license. I do not believe they have been using fair communication tactics.

My wife is XXXX  and this is causing so much stress because we want to welcome our XXXX  in a home of our own, but this is currently hurting my credit and driving priviliges. 

Please let me know how you can help to resolve this issue. 
XXXX Bless!! 

XXXX XXXX
Consumer complaint received 2024-01-20
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-01-20
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. (NJ)

I am submitting my fourth communication and follow-up to my recent correspondence dated XX/XX/XXXX, addressing the matter of identity theft. As a victim of this crime, I dispute the items in my file associated with the incident. It is crucial to reiterate that these contested items are not connected to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. I kindly request the removal of the records of these items from my credit file, attributed to the alleged identity theft. Additionally, I have attached my filed FTC report # XXXX for your reference : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-20
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. (IL)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Wrong credit information was reported to to 3 credit bureaus. Although, 2 complains have been filed and numerous credit dispute with Lakeview LoanCare services, this company still made errors and reported without carefully review diligently. Either irresponsibility of people who reported or just bad human beings have been working for Lakeview LoanCare. 

The latest error was the loan amount on my account, which was reported as a total balance of more than XXXX millions. My account balance should have been only around XXXX.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

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 — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a XXXX lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on XXXX 's final evaluation of the vehicle. I was in the process of moving from XXXX  to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting XXXX several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX and Experian continues to report inaccurate information. My only name is XXXX XXXX. There should be no other names listed. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address is incorrect and you do NOT have my consent to report. This is my character that you are damaging and you are subject to federal penalties for further inaccuracy. Take note of this notice XX/XX/year>!
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: ERC (TX)

A second collection related to XXXX XXXX Has appeared on my account after asking the collection company to show proof of the first collection. I did not receive anything from them and less than a month later a new account has appeared. Running my credit down further with false reporting.
Consumer complaint received 2024-01-20
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. (NJ)

In 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

A close eye is being kept on my credit reports and I continue to see errors and inaccurate information. My concerns are constantly being ignored by the bureaus and it is causing me extreme depression and stress. It is clear that the bureau is not doing their job and ensuring the information that they are reporting is in fact 100 % accurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
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. (FL)

My first time checking my credit report because of a job requirement and I notice things on my credit report that are not mine. Now that I need to take courses that align with my Career path I am hindered because of these accounts. I have made disputes to Experian credit bureau already to have these charges removed. I am currently waiting on a status.
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2020-07-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (VA)

Village Capital has not contacted me in over 3 weeks on a request for a streamline refinance. I have been calling Village Capital for over 3 weeks as my wife was XXXX  due to XXXX trying to do a streamline refinance. I constantly receive offers in the mail to do this and need the help. Each time I call I am told that someone will call me in a few hours and no one every does. I have called over 4 times and each time are told the same. I have requested a manager and was told there were none working but they would have one call me. Again no call.
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 status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

I applied to forbearance with SLS - Specialized Loan Services ( my mortgage financial institution ) in XX/XX/2020, for six months, then in XX/XX/2020 my economical status change and contacted them in order to suspend the forbearance and resume payments, but then immediately I was reported as delinquent such action impacted negatively my credit by more than 200 points ( from XXXX XXXX XXXX ), I understand I should be protected by the CARES act by law, I contacted the bank twice but was told that there is no action from their side. I kindly ask your support to amend such situation
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (TX)

US Bank received duplicate payments for a car lease and will not refunded the customer payment. 
XXXX  Per US Bank policy, the pay-off amount must include all monies owed as of the pay-off quote date. 

Therefore the pay-off quote dated XX/XX/XXXX would also include the XX/XX/XXXX customer payment due of $ XXXX, which US bank received that payment the day after the pay-off quote on XX/XX/XXXX. 

US bank also accepted the original pay-off quote amount of $ XXXX on XX/XX/XXXX, which was within the quote expiration window of XX/XX/XXXX. 

As a result, the XX/XX/XXXX payment was payed twice : -Once as a customer payment of $ XXXX on XX/XX/XXXX -Once in the pay-off of $ XXXX -- - Quoted on XX/XX/XXXX, Invoiced on XX/XX/XXXX, Account closed on XX/XX/XXXX Documentation for all of the above transactions was provided to US Bank in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history.
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (AE)

Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
We incurred debts when I was injured on XXXX with US military in XX/XX/XXXX, was improperly discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for Wells Fargo debt, where WF transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX XXXX, but when requested documentation it was quickly transferred to XXXX XXXX XXXX, under XXXX acct # XXXX. XXXX FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with XXXX DISASTER:1/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in 2 hours '' -- that is usually 30-45 min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue 2/ PII, addresses, DOB and all info passed from US XXXX XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies. 
I think that is ABSOLUTE disaster. 
On top, seems like XXXX XXXX XXXX is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX
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. (TN)

i was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i found several accounts he opened in my name that i had no knowledge of or had given permission to be opened. 
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 XXXX balance unknown. 

a ftc report has been filed and is attached to this complaint.