davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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: AMERICAN EXPRESS COMPANY (FL)

To my knowledge, credit cards in my name were taken out beginning in XXXX of 2021. There is one specific person that has done this and bragged about doing so online through various social media outlets. Ive tried filing complaints, pursuing charges, police reports etc with absolutely no resolve or help by local authorities as this person lives in another country. My credit remains affected. My life remains affected. I need these more than TWENTY credit cards opened without my authority by this criminal to be dropped.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a home loan with Bank of America for 8+ years on my personal residence. I have never had an escrow or impound account with B of A on ANY property. In late XXXX Bank of America fraudulently charged me on this loan for property taxes they mistakenly paid on a different loan/property that no longer existed, I had previously sold a property in XXXX and all debt was paid off to B of A. B of A refused to remove that charge. After numerous complaints and finally a CFPB complaint they finally removed the charge and admitted the " error ''. B of A finally corrected this current loan. 
Now, just a few months later they appear to be purposely harassing me again. I have never had a impound or escrow account for my property taxes or insurance. Bank of America has now made a payment on my property taxes without my permission an opened another impound/escrow account on this loan/property. B of A has starting charging me for taxes and insurance and applied my extra payments in a way that I do not authorize. I have called B of A on XXXX and asked for an investigation and they have never corresponded or even called back as they have promised. Since then I sent the payment for the property tax payment and my regular P & I. B of A has fraudulently applied my payment to double the normal amount of interest, some to principle, and only a partial payment to the property taxes. This is outright FRAUD. How could you they apply DOUBLE the interest from on time payments? 
Previously I waited several months for this to be resolved so I could refinance. Now that I am in the middle of a refinance to get away from B of A they will undoubted misrepresent the payoff amounts and try to keep money they are not entitled to. Bank of America can not be trusted to service a simple existing P & I loan.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

My Identity was stolen by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX or " XXXX  '' in XXXX. This is the subject of the property located at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. ( Two Counterfeit XXXX  Mortgages were REGISTERED in the XXXX  Database on the property address which is the subject of both SEC XXXX and XXXX XXXX XXXX Claim # XXXX. ) Additionally, I have recently been sued by Debt Collector, Attorney XXXX XXXX ( XXXX ). After he filed suit against me for a XXXX XXXX XXXX XXXX, XXXX sent me a " XXXX Early Warning Letter ' notifying me of " suspicious activity '' on my closed account ending in XXXX. After speaking with XXXX at XXXX XXXX Department ( XXXX - reference # XXXX ) and verifying that the account was CLOSED, she said that she did not have any information in regard to the account. I called again on XX/XX/XXXX and spoke with both XXXX and XXXX who both told me that they could not give me any information as they needed to verify my identity by text. Neither of them sent me a text. I request to know exactly what the " suspicious activity '' was on my account.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (ID)

This is my complaint regarding the unprofessional and rude behavior from Mr. XXXX XXXX. He treated himself as the boss, and was very unprofessional after seeing my offer from another lender. I have attached the email chain for your reference. 

XXXX XXXX Division President, ID, MT, WY, NV NMLS XXXX Primary Residential Mortgage NMLS ID XXXX XXXX XXXX XXXX XXXX XXXXy, XXXX XXXX XXXX ID, XXXX XXXX O XXXX C XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is TRANSUNION 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that TRANSUNION only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

TRANSUNION is reporting 5 late payments on the XXXX XXXX XXXX accounts ending in : XXXX XXXX XXXX XXXX XXXX All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. Furthermore, persuant to 15 USC 1666b, A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, TRANSUNION is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided TRANSUNION with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorized these inquiries and I have included the identity theft report as well. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (UT)

I paid the debt off via the attorney 's office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XX/XX/2021. I called them and express recovery several times in XXXX and XXXX asking to have it updated on my credit report. The law office said that they " did '' and express recovery sends me to the law office. The law office send me the attached letter showing the debt was paid. I filed 3 separate disputes via XXXX and all of them came back that express recovery said that I still owe the debt so the negative collections on my credit will remain. I need this updated on my credit report as it was paid months ago and Express recovery nor the law office is doing their job well after they go their money. Please help.
Consumer complaint received 2021-05-19
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. (NY)

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that this inquiry below be removed immediately.

1. XXXX XXXX
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (MD)

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 XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX 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 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 2021-05-19
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. (FL)

XXXX XXXX is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my Experian.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2016 Someone wrote me a check and out bounced and Bank of America closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough investigation.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NY)

Today, I received an email from a company called TrueAccord Corp, a debt collector trying to collect a debt to XXXX XXXX XXXX. I clicked on the email to find that the debt is for {$130.00} and the original creditor was XXXX XXXX with an account number ending in XXXX. The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have never lived there nor have I had that account or any accounts go into collections in 2015. I am not sure if this is a mistake or if I am being targeted for identity theft so I have been afraid to contact them and give them my personal information.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Multiple accounts were opened in my name without my knowledge. 
I am writing to dispute the accuracy of information contained in my credit report with regards to the accounts of Capital One and XXXX XXXX. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am informing you that these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The sections mentioned in my letter clearly state that I have the right to privacy and that a consumer reporting agency can not furnish a account without my written instructions. 
Furthermore, the FCRA states that no consumer reporting agency may make any consumer report containing any adverse information that antedates the report by more than seven years ( 15 U.S.C 1681c. ( a ) ( 5 ) ). Additionally, it is stated that 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 U.S.C. 1681s-2 ( A ) ( 1 ) ). 
I am requesting the following information related to these accounts : 1.The name of the original creditor and the account number 2.The amount of the debt currently being reported 3.Proof that I am legally responsible for this debt, such as a signed contract or loan agreement 4.Proof that you are the current owner of the debt, such as a valid chain of assignment 5.A detailed breakdown of the charges and fees included in the debt amount 6.Agent ID of Agent verifying this inaccurate information Please note that I am making a formal request for an investigation into these accounts under the FCRA and I expect a prompt resolution of this matter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-01-12
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. (NV)

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (DE)

Never gave this company permission to call my new number XXXX, and they are leaving constant messages. I had this same problem before with my other phone XXXX, they are continuing the Samething. This is beyond frustrating its already bad enough I was affected by covid late fees are being charged and the vehicle doesnt even work. Very upset by the company
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IA)

XXXX is reporting to XXXX  that I made 5 late payments XXXX XXXX XXXX XXXX XXXX  ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with XXXX and XXXX with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact XXXX and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when XXXX bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own
Consumer complaint received 2021-05-19
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. (TX)

Credit Bureau is reporting inaccurate information after i have requested them to validate these alleged accounts that I did nonauthorized nor does these accounts belong to me
Consumer complaint received 2021-05-19
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. (AZ)

MY NAME IS XXXX XXXX, I HAVE SUBMITTED COUNTLESS LETTERS TO THE BUREAUS REGARDING FRAUDULENT INFORMATION ON MY CREDIT THAT IS NOT MINE! THE BUREAUS ARENT HONORING MY DIPSUTES SO IM ASKING FOR THEM TO REMOVE ALL FRAUDULENT INFORMATION THAT IS ON MY FTC REPORT!
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Services is the worst debt collection company in America. They use spoofed phone numbers and call at all times of day. They call my employer, distant family members, and even somehow got the number for my XXXX XXXX XXXX daughter 's cell phone and called that number. The lie and say they have legal documents, because I do not have any collectible debt that I owe them. They are trying to intimidate me into paying them by smearing my name with my family and employer. I owe them nothing. I have repeatedly asked them to stop calling and sent a letter demanding that they cease calling, but it doesn't end.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.
Consumer complaint received 2020-07-08
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-01-12
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: General Motors Financial Company, Inc. (CA)

I received my Credit Report from XXXX on XX/XX/XXXX. I noticed the third party XXXX XXXX with GM Financial. Most importantly the section XXXX XXXX and XXXX XXXX Was XXXX XXXX Recorders office : XXXX XXXX XXXX When I purchased this vehicle from XXXX XXXXXXXX XXXX XXXX, I was living in XXXX XXXX of XXXX. XXXX XXXX holder on XX/XX/XXXX was Americredit XXXX XXXX. Not sure when GM Financial purchased the loan from Americredit because I was notified that there was an exchange of XXXX. Americredit never notified me nor did GM financial. My payments were XXXX starting XX/XX/XXXX. Americredit is not on my XXXX Credit report from XX/XX/XXXX. However there is a Inquiry from Americredit on that credit report dated is XX/XX/XXXX Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX GM financial XXXX XXXX XXXX XXXX Texas XXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. GM financial is not licensed in the state of California.