davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX c/o XXXX XXXX XXXX # XXXX XXXX, California [ XXXX ] State of California Secretary of State Secretary of State Dr. XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Dear Secretary of State XXXX XXXX XXXX , I, a living woman, am serving you Notice of my standing as a California State National , as I know it is your duty to defend my constitutional guarantees. 

I am exempt from all Municipal duty and service by my exemption found at Title 50, Section 7 ( c ) and ( e ) of the 2012 Edition of the Federal Code. ( Enclosed ) I am not an individual corporation created under Municipal law. 

I am exempt from all Territorial obligations, as I am a Foreign Sovereign as stated on the Mandatory Foreign Sovereign Immunity Notice ( Enclosed ). I claim my exemption under the Supremacy Clause of Article VI of The Constitution of the United States of America and Amendment XI thereof, which provides that no American is subject to foreign law. I am not an individual created under 1USC 8 as a Territorial citizen. 

I have one contract and one contract only with the government officials. If they are MUNICIPAL Employees, the contract is The Constitution of the United States. If they are Territorial Employees, the contract is The Constitution of the United States of America. Article VI is the Supremacy Clause, no other law, statute, code, or regulation stands above the Constitution owed to me as an American and any contrary law is null and void. Amendment 10, the power remains with the States and the people. 
Amendment 11, Americans are not subject to any foreign law. Ever! This includes the statutes of the States of States and the codes of the Federal Subcontractors. 

Therefore, I owe no duty to any Municipal or Territorial court, instead any Municipal or Territorial court has a duty to set me free from any presumption of obligation under any foreign law, and to return to me my assets and my freedom without debt or encumbrance. '' By : XXXX XXXX XXXX @ All Rights Reserved Without Prejudice
Consumer complaint received 2024-01-12
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)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (SC)

According to 15 U.S. Code1681b ( b ) the parentage of the consumer for the child to which the obligation relates has been stablished or acknowledged by the individual in accordance with state laws under which the obligation arises the consumer report will be kept confidential will be used solely for purposes described in sub paragraph A and will not be used in connection with any other civil administrative or criminal proceedings or for any other purpose. I also have right to privacy according to the 1974 act to remove child support off my consumer report. Child support is not a loan.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NV)

I submitted a package to Navy Federal Credit Union who has the mortgage on my property back in XXXX 2017. The property is owned by myself and my mother who is XXXX. Each time we contact them to inquire able the status we get a email stating they are missing a document. We respond the same day with the document and then a week later they say they did not receive that document and another document. I am victim of identity thief so I am vary leery of keep submitting my social number. These are the documents the keep misplacing. My payments at this point is 3 months behind and I began this process when they were one month.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (MO)

I have XXXX collections in my account for TEMPOE. Why not lease it, as far as I know they were involved in a lawsuit and were ordered to release all contracts and any amount owed be cleared. They are still perusing this payment
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo Student Loan reported for 4 years that the amount due monthly on XXXX different loans was : 1. {$11000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
2. {$17000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
3. {$2200.00} per month, paid monthly for 56 months = {$120000.00} Add all these loans the total debt Wells Fargo reported to credit bureaus is {>= $1,000,000} due. 
They have reported this to all XXXX credit bureaus for the past 4 years, causing my debt to income ration to be over 5000 %. Furthermore this is not accurate and there is NO student loan over XXXX dollars, especially not for the XXXX College I attended. I have disputed this inaccuracy for 4 years with the credit bureaus and Wells Fargo ; neither party has corrected the credit file. To add insult to injury XXXX of these loans are not mine, which is proven by the forged Master Promissory Note, and the second Master Promissory Note is not signed, Wells Fargo mailed these documents to me XX/XX/XXXX. 

Throughout the years as I have disputed the accuracy Wells Fargo has changed dates repeatedly and or re-aged the debt. Also on XXXX they deleted the terms but left XXXX and XXXX the same both still reporting over XXXX debt. Or the date updated will change if if they was no actual change to the date. 

XX/XX/XXXX Wells Fargo sent me a XXXX Cancellation of Debt -Decision to Discontinue Collection. However these accounts still show on my credit report. I called them XX/XX/XXXX and requested they delete the accounts now that I have to take the matter up with the IRS, XXXX the account manager refused and said they have been reported correctly, however they did not review all the disputes I have sent over the years. 
This has negatively affected my ability to obtain credit, buy a house and has been very XXXX. I have been forced to pay higher interest rates. Wells Fargo wrote this loan off and I am sure deducted in their business taxes, they should not be allowed to report inaccurate information and now claim double jeopardy by getting a business write off and continue to affect my credit worthiness.
Consumer complaint received 2024-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Carrington lied policy was change from XXXX to XXXX in XXXX XX/XX/2023 now they send me a check that I deposited and my bank returned the payment of check that was fraudulent and now my bank is charging me fees why they would send m a check for XXXX and it cant be cashed.
Consumer complaint received 2024-01-12
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. (FL)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

On XXXX/XXXX/XXXX I sent a letter Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for validation XXXX debt and XXXX authorization. 

I requested that XXXX XXXX XXXX provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

XXXX XXXX XXXX have not complied with this request.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

I am writing you to lodge a formal complaint against Wells Fargo about multiple overdraft fees from XXXX totaling over {$9000.00}. I am a dedicated online banker. 
Last week, my husband made a purchase on XXXX and the pay pal account was linked to my checking account unbeknownst to him. He alerted me that he made a purchase but was unsure what account it was linked. This alerted me to check my account and I was alarmed that it was overdraft by approximately {$650.00}, so I panicked and transferred from our savings account to ensure nothing else would overdraft causing more fees. I checked my account yesterday and was flabbergasted to see that I was negative approximately {$350.00}. So I did some further investigating on my account and noticed that I was getting an overdraft fee for small items as low as XXXX cents and in the month of XXXX alone I was charged about {$1000.00} in overdraft fees. At this point I called the Wells Fargo Customer Service line and spoke with a very kind representative and she said she could only refund me {$260.00} ( give or take. ) I told her that I completely understood her position but that it would not be wise for me to settle when that would still leave my account overdraft and vulnerable to more charges. She completely understood and then transferred me to another representative with more authority. Again, I was treated very professionally and with kindness. Unfortunately she said she would only be able to refund my account around {$650.00}. Please excuse the estimations as I am going by memory. I told her that was a better amount but that I felt that I had been taken advantage of by Wells Fargo and the new overdraft policies that she said I had opted in? I did further investigating on my account and am so sick right now looking at the fees charged so far this year. They total over {$3000.00}. This was money that could have been used to keep my mortgage current, my student loans current and my credit cards current, but now I am in such a hole that I ca n't see the light. 

I believe there was a lot of charges accrued due to the way Wells Fargo drafted items out of my account. And it appears that in XXXX there was a change in the overdraft policies. Between XXXX and XXXX fiscal years was charged an average of XXXX overdraft fees per year and between XXXX, I have been hit with XXXX overdraft fees which averages about XXXX overdraft fees yearly affecting my bank account negatively {$290.00} per month. During XXXX to XXXX, I ran a business and was completely focused on that and neglected overseeing my bank account as needed because mainly I trusted WF and could n't possibly fathom that this was taking place and I was being taken advantage of like this. 

My complaint is about this new policy that I was placed in without my knowledge and how it has negatively impacted my life financially and emotionally. I have been seeing a XXXX due to the XXXX this has caused. 

I would like my money back. 

Thank you for your time.
Consumer complaint received 2024-01-12
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)

I'm sending this complaint to inform credit bureaus that the listed company made an unauthorized inquiry on my credit report. I have listed the name of the company below, and the date the inquiry was made. 
XXXX XXXX
Consumer complaint received 2024-01-12
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 reviewed my consumer reports and noticed i had a late payment on an account that was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included in the screen shot in side this compliant in on the dates of XX/XX/2022 & XX/XX/2022. please investigate and provide proof with statements showing that these payments were late. if proof cant be provided i demand theses payments be updated to paid as agreed on time as they should due to the fact i was never late thanks! please see screen shots attached
Consumer complaint received 2024-01-12
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (CA)

XXXX, XXXX  and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

I made a prior complaint regarding the same issue and they tried to fix it than fixed it partially. 

I have tried over and over again to have the bank fix my mailing address issue. To date they still have not fixed this issue. 

I simply asked them to send my mail for all my accounts with Td Bank to my XXXX XXXX XXXX but some accounts they fixed while others they still have not fixed.
Consumer complaint received 2024-01-12
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)

XX/XX/2024 15 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681 SECTION 604 ( a ) SECTION ( 2 ) states that in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the with the written instructions of the consumer to whom it relates. The Consumer reporting agencies XXXX XXXX Experian and the financial institution do not have my consent nor my written consent to present this information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states 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.

15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (ME)

I recently closed my XXXX XXXX XXXX account. Before I paid the final bill ( which I paid well within XXXX XXXX 's demands ), I was sent a letter from the Enhanced Recovery Company dated for XXXX XXXX, 2015 saying my account had been sent to collections and I owed XXXX dollars. I did n't receive this letter until XXXX XXXX due to it being forwarded from my old address. 

I paid my final bill on XXXX XXXX, 2015. Upon calling XXXX XXXX 's customer service, I found that my closed account was in good standing and had not been sent to collections. I believe that the ERC is at fault for attempting collections on me.
Consumer complaint received 2024-01-12
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase bank. Checking account. I reported unauthorized activity On my account. 
Asked to close account. 
Was told my account was closed and that I would need to go to the bank in the morning to set app new account. I Was blocked from, my account online. The following day there were almost {$3000.00} in charges to my account. That were unauthorized and happened after I had shut my card off. Bank refusing to refund money even though they had not done as I asked them To do and what they said they were going to do.
Consumer complaint received 2020-05-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XXXX andXX/XX/XXXXI filed a dispute with Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, I never received and correspondence from them about my dispute