davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$3700.00} US DEPT ED XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 4 business days after the date of receipt.
Consumer complaint received 2022-02-04
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. (ME)

My identity was stolen in XXXX, 2021. I discovered it was used to open fraudulent credit accounts in my name; reported them to the credit companies within XXXX days of them appearing on my credit reports and alerts ; and placed security alerts and freezes on my reports with all three bureaus. In XXXX, XXXX XXXX reported a delinquent account in my name opened in XXXX to Transunion. I immediately disputed the account with Transunion and called XXXX to ask how they issued credit in my name despite the security alerts and freezes on my accounts. The customer service agent at XXXX told me they do not do credit checks for people who open accounts in store. They also told me that while my name and social security number matched, the person used a different address and phone number. They refused to close the account without a police report and refused to tell me the location of the business where the credit was issued so I could file a police report. I then updated my affidavit on the FTC identity theft website, mailed them a copy and a dispute letter and have a signature confirming they received both. XXXX refused to comply with Transunion 's investigation, and Transunion did not remove the account from my report despite admitting that the rest of my credit history is exceptional. Transunion also said the only way the fraudulent account would be removed from my report is if the creditor complied with their investigation.
Consumer complaint received 2019-04-09
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: F.H. Cann & Associates, Inc. (CA)

FH Cann & Associates had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XXXX XXXX 2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I made a payment to principal of {$45000.00} which they received on XX/XX/XXXX but it was not credited to my account until XX/XX/XXXX. 

The following month they added and then subtracted this amount ( XXXX ) from my principal. They also credited my regular of {$1200.00} payment on XX/XX/XXXX as normal ( this payment was due the due date of XX/XX/XXXX. 

However they then proceeded to reverse and then reapply the payment of {$1200.00} twice and then charged me a late charge of {$60.00} when the payment wasn't due until XX/XX/XXXX!
Consumer complaint received 2022-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (WA)

This is a follow-up to my complaint XXXX which for some reason keeps getting referred to the OCC despite not being a national bank. 

In XXXX, I worked with MOHELA via XXXX in hopes to consolidate and refinance loans allegedly taken out through XXXX XXXX for my time at XXXX XXXX XXXX XXXX. 

In XXXX, I started a XXXX XXXX case with Federal Student Aid against XXXX XXXX XXXX for misleading information and malpractice - as such, I attempted to internally gather records of the original student loans by XXXX XXXX and the consolidated, refinanced loan through MOHELA. 

As it turns out, MOHELA claims that the total amount paid to XXXX XXXX was {$41000.00}, while the XXXX XXXX account in my name only has record of {$10000.00}, now marked Paid In Full - neither company has been able to produce a receipt of this transaction paid to the other, or a proper validation of debt with a written signature on the initial loan. 

I have since paid MOHELA well over the initial amount of {$10000.00}, and have never borrowed money directly from MOHELA- just an alleged refinancing of money owed to XXXX XXXX, which also does not have record of my signature on any student loans. 

I have attempted to contact MOHELA multiple times via written letters, fax and calls since XX/XX/XXXX with no attempts to resolve this dispute on their end.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, I placed a security freeze through all 3 credit reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX XXXX  ; however, they indicated that my credit was still frozen. I called back the credit agencies ( XXXX  and XXXX ), and was informed that my credit was not frozen. I could not get in contact with anyone at Experian ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the 2 agencies noted above, and again was told it was not frozen. I was unable to get any information from Experian, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Sky Venture Holdings LLC (FL)

In the beginning process of filing for XXXX XXXX XXXX XXXX I reached out to this company as a courtesy to make them aware of the pending XXXX XXXX XXXX filing. In response within days they repossessed the vehicle the company states they advised of the potential repossession however I did not receive any notification. In fact I received a mailed correspondence after the repossession. And the only message I had from their company I returned their call and there was no message of the repossession. I have reached out to the company numerous times in attempt to resolve the outstanding balance. The vehicle is actually my daughters but it is in my name. The company refuses to return calls or emails and when I do call I speak with customer service representatives that just relay the message the company is demanding full payment including ridiculous fees added on top of the principal and agreed upon interest. I made the company aware that I never received a copy of any documents from their office and they continued to just disregard. Today I spoke with an agent and provided the bankruptcy filing number in all other information they requested only to be told there's notes from the supervisor it doesn't matter if there's bankruptcy filed they are moving forward with selling my asset. I have voiced to the numerous representatives I spoke with that I am fully aware of the amount due and intend on paying the correct amount but they are demanding almost double. I have asked to speak with somebody who understands the bankruptcy litigations and that is able to negotiate in the best interests of both the company and myself. I have yet to receive a return call from anybody that can assist. I also tried to explain to the company that if the vehicle is sold correctly the return would be a lot more and it would be unjust for them to sell it for what I owe and again they refused to hear it. Lastly when the repossession was taking place my teenage daughter told the gentleman my mom is at work she asked that you leave the property and deal with her directly regarding the pending bankruptcy the gentleman ignored the demand and basically bullied my daughter and ended up with possession of the vehicle
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was a victim of an impersonation fraud in which I was led to believe I was speaking to a Bank of America representative attempting to stop criminal action on my account. They copied the standard format of the Bank of America text alerts for fraud and even called me from the XXXX customer support line multiple times so when I went to validate the number it was legitimate, I saw that it was the bank of america number I would have hung up and called. They said the way to cancel and report a charge through XXXX was to note the amount of money they tried to still and tie it to a reference number. Once I completed that I realized that my money was gone. I was scammed out of XXXX dollars. 

I have the call logs that prove that they used the main Bank of America customer support line to make these calls to attempt to make it look like a legitimate employee requesting me to go through steps to save my account. 

Once I've contacted Bank of America. 

I have the text phone number that initially spoofed the Bank of America text and also I have the XXXX account number that took my money. 

Thanks!
Consumer complaint received 2023-01-09
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hello, I was a victim to XXXX fraud and now I am being charged by the vendor ( XXXX XXXX ) for something they have already received via bank transfer from my Wells Fargo checkings account. I disputed the charges with my bank and somehow they weren't able to close the case in my favor. I have verbal confirmation from three different account specialist and upper management that the funds did in fact leave my bank account and were not credited back. I also have the bank statements to confirm this. 

According to XXXX, these transactions were reversed, but that is impossible because I never received the funds back and I have hard proof. I tried reopening the dispute, but Wells Fargo keeps telling me that I can not longer dispute the transactions and I have to handle this outside the bank. I also tried disputing it though XXXX and they have told me repeatedly that I have to come up with the funds one way or another if the bank can not assist. I'm basically left with no other choice than to seek legal action, but I'm hoping you can help me, so I don't have to go through that trouble. XXXX has already liquidated my XXXX holdings without giving me a fair shot to resolve the issue and they don't intend to stop there. The total amount being disputed is {$1200.00}. 

XXXX from XXXX below : On XXXX your Wells Fargo bank reversed a charge of {$210.00} for your attempted deposit on XXXX for {$210.00}. The reference code for this transaction is XXXX. 

On XXXX your Wells Fargo bank reversed a charge of {$1000.00} for your attempted deposit on XXXX for {$1000.00}. The reference code for this transaction is XXXX.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

I recently bought a prepaid card and i am unable to set up the card because someone is stealing my identity n the questions they are giving me are not places ive ever lived or people ive known so im unable to pass the identity check and cant set up my card
Consumer complaint received 2019-04-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In XXXX of XXXX, I had received a total loss on my XXXX XXXX XXXX XXXX. A correspondence was sent out on XX/XX/XXXX stating that my car was a total loss due to flood damage. I filed chapter XXXX bankruptcy on XX/XX/XXXX and my car was not included. Another correspondence was sent on XX/XX/XXXX Stating that their draft amount of {$11000.00} was sent for my account number in which they released the lien to XXXX XXXX. On my payment history in my account, the only payment that was posted to my account was the credit from my GAP coverage in the amount of {$1300.00}. On my credit report it states that my account was in a charge off status in which they received multiple payments in the yr XXXX yet my account was deemed a XXXX XXXX in XXXX of that year. Ive disputed that same inquiry twice and both times the charges were deemed accurate. I sent a Debt Validation letter via certified mail on XX/XX/XXXX to TransUnion and it was received XX/XX/XXXX and here it is XX/XX/XXXX and I still have not received any validating letters of any charges. I am asking that all Inquiries from this creditor be removed from my credit report immediately as it violates several FCRA standards
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX 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 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 an account without my written instructions.

15 U.S.C 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.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

XXXXXXXX XXXX XXXXXXXXXXXX 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 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 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 2024-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HENRY SCHEIN, INC. ()

We, at XXXX XXXX XXXX XXXX, were contacted today by a fraudulent company. 
The woman with a XXXX XXXX XXXX refused to identify herself as anything other than " the credit and collections department of Henry Schein. '' As loyal clients of Henry Schein, we immediately logged in to check our account online, without sharing any account or payment information with the suspicious woman on the phone making demands for payment of well over {$2000.00}. 
We called the company Henry Schein to verify that what we were seeing via the online portal ; we spoke directly with XXXX from Customer Service and she did indeed verify that our account is in good standing and has no open invoices or overdue charges. 
We gave Henry Schein all the information we had from our brief contact today with the fraudulent company. When we attempted to call the fraudulent company back to ask a few clarifying questions and were unable to connect to anyone following the voiced prompt. When we looked up the phone number the call came from, it showed to be registered to an XXXX XXXX of some sort. We made henry Schein aware of the attempted fraud in order to prevent the continuation of this behavior from external, bad actors.
Consumer complaint received 2019-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: JPMORGAN CHASE & CO. (NJ)

My situation started when I received a payment of {$4100.00} from an unknown business that operates in Colorado. Following this situation a person called me claiming to be partners with the company that sent me the money, this person told me that he was interested in giving me a job, the job was to take the amount of {$4100.00} out of my bank account ( the money he sent ) through the ATM and deposited into one of his accounts. I immediately knew that something wasnt right. So What I did was I send the money back to the original sender ( Company in Colorado ) in two electronic  payments of {$2000.00} each totaling {$4000.00}. 
A day after I completed this transactions the bank froze my account, I went to the bank and spoke with the claims department and notified them about this issue, I also notified them that I sent the companys money back to them and that I only needed to send back {$170.00} more. Now this company in Colorado made a claims against the original transaction, which the bank ( knowing about the fact that I gave them their money back ) approved their claim and debited my account for the total of {$4100.00} creating an overdraft in my account. So now this Company in Colorado have kept {$4000.00} extra out of my expense because the bank Forgot about the two transactions of {$2000.00} that I sent back. I called the bank so that they could reverse the two transactions of {$2000.00} each and they denied my claim. I think this is really unfair because the bank should be responsible for this matter since they authorized a debit to my account knowing that I gave the money back to the original sender. Now Im negative {$3000.00} in my account and the bank is telling me that I have to pay for it.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

The below Loan Servicing Company is taking payments for my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are telling me that they can not find my loan. 

I spoke to employee XXXX XXXX in Customer Service and he was very rude, not helpful, and could not find my loan. Also he refused to transfer me to a manager. 




SPECIALIZED LOAN SPECIALIZE XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Due to a previous Fraudulent account, an incorrect address is showing up on my credit report. 

The Address reporting incorrectly is : XXXX XXXX XXXX XXXX, WY. XXXX My CORRECT current address is : XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX My PREVIOUS address is : XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Please Remove the incorrect address from my credit report. Thank you.