davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

Credit Management LP is attempting to collect a debt owed to XXXX XXXX for cable service at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. I have never lived in Oklahoma. I do not have cable service from XXXX.
Consumer complaint received 2020-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

The property in which my parents had a mortgage on is now paid in full as XX/XX/2020. Both of my parents are deceased and my name is on the account as an authorized party. There's a refund check for approximately {$5800.00} made out to the Estate of ( my Mother 's name ) and an insurance claims check for approximately {$8000.00} ( made out to both the Estate and Midland Mortgage ). I was unable to cash the checks without proper documentation of proof that I'm authorized to deposit the checks and my bank said the checks need to be made out to me because of the amount. My parents did not have a Will ; therefore, a real estate attorney drafted an Affidavit of Heirship And In Aid Of Title document and had it recorded in the state where the property resides. There are 4 heirs ( including myself ) and the Affidavit includes all of our names. I forwarded all documents to Midland Mortgage as requested. They acknowledged receipt and have said since XX/XX/2020  that my documents were under review. I was told I would receive the checks in my name by the end of XX/XX/2020. I called the first week in XX/XX/2020 to inquire about the checks and was told it was still under review. Then they said the checks would have to be placed in all four ( 4 ) names. I said ok, and emailed the names and addresses of all XXXX siblings as requested. I called again the week of XX/XX/XXXX and again was told my matter was under review. After getting irate, the rep then said the checks will go out via XXXX that week. I still have not received any checks nor confirmation of the XXXX tracking number.
Consumer complaint received 2022-09-21
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. (NY)

I reached out to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-22
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. (CA)

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. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} Medical XXXX Balance : {$680.00}.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Went to Car dealer with a preapproval letter/lender in which i told them that i wanted to exclusively use, they ended up running multiple inquries ...? when they were not suppose to!!! I had a total of 7 inquiries!! Deceptive practice! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

ON XX/XX/XXXX I RECIEVED MY INVESTIGATION RESULTS VERIFYING THAT THE FOLLOW INFORMATION IS ACCURATE AND FAIR. REPORTING AGENCIES FAIL TO SEND THE INVESTIGATED REPORT WITHIN 15 DAYS VIOLATING THE FCRA. XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX XXXX XXXX IN XXXX OF 2019. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNT STATING THE INFORMATION WAS TRANSFERRED TO ANOTHER PARTY WHICH IS XXXX XXXX XXXX. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. XXXX XXXX XXXX ACCOUNT IS LISTED AS A DEBT BUYER. JUST BECAUSE XXXX XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I HAVE ADDRESSED THIS COMPLAINT AND PRIOR TD BANK COMPLAINTS WITH XXXX XXXX 'S OFFICE TO ENSURE THIS IS HANDLED. 

TD VISA ACCOUNT XXXX XXXX XXXX XXXX. OPENED XXXX AND CLOSED XXXX. YES 3 WEEKS. {$15000.00} CREDIT LINE. THIS ACCOUNT IS NOT IN RECOVERY, NOT BEHIND IN PAYMENTS. BALANCE TD IS CLAIMING. {$380.00}. OTHER HIDDEN INTEREST PAYMENTS ADDED TO MY STATEMENTS. INTEREST KEPT BEING ADDED AFTER NOT ACCEPTING THE PAYMENT FOR 6 WEEKS. 

TD LINE OF CREDIT ACCOUNT XXXX OPENED XXXX AND THIS MUST BE CLOSED AS I HAVE NO ACCESS TO THE {$10000.00}. SHOWING OPEN ON MY CREDIT REPORT BUT NO ACCESS TO THE CREDIT LINE. BALANCE TD IS CLAIMING. {$810.00} TD VISA WAS PAID WITH A THIRD PARTY BANK CHECK OF {$1900.00} WAS MAILED ON XX/XX/XXXX BY XXXX XXXX XXXX. FOR SIX WEEKS I CALLED OVER AND OVER. I ALSO CALLED TWO BANK EMPLOYEES AT TWO DIFFERENT BRANCHES. I ALSO CALLED THE CURRENT XXXX XXXX   MANAGER THAT OVERSEAS THE BRANCHES. I HAVE RECORDED CALLS, DATES. THAT BEHAVIOR WILL CLEARLY SHOW HOW POORLY THIS BANK IS RUN, THE SABOTAGE TO TRY AND RUIN MY VERY GOOD CREDIT. I HAVE EXTENSIVE CREDIT AND DO NOT HAVE ONE ISSUE WITH ALL CREDIT LINES WHICH ARE FAR MORE THAN THESE CREDIT LINES. THIS IS NO FAULT BUT THE SHEER SPITE WORK OF TD BANK. TD KEPT THE CHECK THAN DECIDED AFTER SIX WEEKS SINCE FIFTH THIRD BECAME INVOLVED THE CHECK WAS REJECTED ON XX/XX/XXXX. ELECTRONIC PAYMENT WAS COMPLETED FOR ANOTHER {$1900.00} ON XX/XX/XXXX FROM MY FIFTH THIRD CHECKING ACCOUNT AND DONE BY A THIRD PARTY WHO HAS BEEN INVOLVED AS A NON ACTING ATTORNEY TO TRY AND FUSE THE MATTER. 

CONSUMER AFFAIRS HAS DISPUTED BOTH BALANCES WITH THE CREDIT BUREAU 'S. TD CONTINUOUSLY VIOLATES BANKING RULES. I HAVE ALSO REACHED OUT TO REP. XXXX XXXX 'S OFFICE. TD EXPLOITS, CREATES SET UP FOR FAILURE FOR THE CONSUMER TO GIVE UP AND PAY! 

MY LOAN STATEMENTS WHEN I LOG IN DOES NOT PROVIDE A PROPER FINANCIAL STATEMENT WITH INTEREST PAID MONTHLY OR DAILY. I HAVE ASKED FOR THIS FOR FROM DAY ONE. HOW MUCH IS MY DAILY INTEREST, MY MONTHLY INTEREST. I WANTED THIS MONTHLY. I REQUESTED THESE STATEMENTS BE MAILED TO THE PO BOX THAT THE ATTORNEY SET UP. I NEVER RECEIVED ANY INFORMATION I ASKED FOR. I RECEIVED ONE LETTER WHICH SPEAK IN VOLUMES ON THE LOW LEVEL OF INTELLIGENCE AND INCOMPETENCE ON A CONTINUOUS BASIS. I HAVE PAID {$6000.00} A HEAD OF SCHEDULE ON XX/XX/XXXX. I WAS TOLD I AM NOT ALLOWED TO MAKE FUTURE PAYMENTS! THEY KEPT THE {$6000.00} AND STILL CHARGING INTEREST THAT IS NOT BEING APPLIED TO PRINCIPAL. THE LETTER STATED I WRITE ON MY COUPON BOOKLET " APPLY TO PRINCIPAL '' SURE, WHEN I MAKE AN ELECTRONIC PAYMENT I WILL BE SURE TO ADD MY COUPON! NOTE. TD BANK WILL NOT TAKE MY PAYMENTS IN AT ANY BRANCH AND ALSO BY POST. THIS IS VIA THIRD PERSON WITNESSING THIS. ALSO BY POST.
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

Dear Sir/Madam, It's been three month as I, being on vacation in XXXX, sent XXXX Euro through Western Union to my account in USA, where I live. I got a receipt and left home. 
My transaction was canceled in a couple of days for unknown reason and the money were returned to XXXX, but, at that moment, I already was in the USA. 
Western Union said that in order to get my money, I have to go back to XXXX again. I can not get it in USA even though they have a copy of my ID, passport and a copy of the receipt, and I can not have a proxy either. 
I made numerous calls, sent emails but get only automated responses I filed a complaint with your office in XXXX. After that, on XX/XX/XXXX, I got email from Executive Resolution Department of XXXX, saying that they have an option to issue a mail refund for me, provided I submit my passport and proof of address and they would follow with me within 48 hours after that. 
I emailed everything and have not heard from them since XX/XX/XXXX. The tel number they provided XXXX is not a working number Please help me to untangle this conspicuous situation. 
Thank you, XXXX XXXX P.S. I can send to you a copy of their XX/XX/XXXX email if you need it
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AR)

On XX/XX/2020 I inquired with AmeriSave about refinancing my home loan. XXXX XXXX, a loan originator with AmeriSave, contacted me and stated he could save me approx. {$150.00} a month on my mortgage with no appraisal needed, but they required a {$500.00} application fee. On XX/XX/2020 I paid that fee and he sent out disclosures and paperwork to sign. I submitted to him via an online portal ( which I can no longer access ) all of my personal documents including paystubs for the previous 2 months, mortgage payoff information, income information, etc. On XX/XX/XXXX, I received a text message from the processor stating it wouldn't be much longer before my loan is closed. Today is XX/XX/XXXX and after multiple attempts via email, text message and phone calls, I have not received a response back. I last spoke with XXXX Thursday, XX/XX/XXXX and have not received a response back from my calls or emails. During that call on XX/XX/XXXX, he stated they could not get a hold of my processor and that he had escalated it with her supervisor and his. I am not sure what is going on with this company, but they stole {$500.00} from me and all of my personal information under the guise of being a legitimate lender.
Consumer complaint received 2020-08-24
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: EQUIFAX, INC. (TX)

I disputed an account on my credit report and asked for it to be removed per inaccurate information. I received notification that it wasnt reporting on Equifax report. I called agency because when I pull up my credit report it is still showing and they have no idea on how and why.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB Representative, I have been a Bank of America customer since XXXX. On XX/XX/XXXX, I tried to purchase {$4200.00} worth of merchandise on my credit card that had a {$5100.00} limit. Bank of America immediately stopped the transaction and asked me to call for verification, which I did. They sent me a letter a week later stating that they decided to close my account because of " recent transaction activity on this account '' and " sufficient balances on your revolving credit lines. '' I have no balances on any of my credit lines. They stated they got my score ( XXXX ) and credit report from XXXX. I have no other debts. When I called them to ask why they would chose to close an account during these unprecedented times when we are reliable on credit cards, I received no explanation other than they have the right to close my account at any time. Although the step they have taken might not be illegal, it's unethical at best, at even borders on discrimination. The representatives that I spoke with with first to verify my transaction, had a condescending tone and patronized me several times.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I met with Bank of America associate to send a wire transfer in the amount of US {$10000.00} to an organization in XXXX called XXXX XXXX, I gave the associate in the bank the correct account information for the beneficiary account and the name on that account was XXXXXXXX XXXX However, the associate indicated that the account has to have the name of a person not the organization. So I gave him the name of the Director of the XXXX XXXX and that is what he used to send the wire to XXXX. However, the wire was rejected by the bank in XXXX ( XXXX XXXXXXXX XXXXk ) because of the incompatibility of the name on the account. Thus, the XXXX XXXX XXXX returned the fund to XXXX Bank in the US as an intermediary bank. The original wire was sent on XXXX XXXX and the XXXX XXXXXXXX XXXXk has returned it to XXXX Bank here in the US on XX/XX/2022. I called the wire department with bank of America at XXXX XXXX XXXX almost 7-8 times to inquire about where is the fund that was returned by the XXXX XXXXXXXX XXXX and asked them to return the fund to the original account with Bank of America. I also visited the bank of America branch where the wire was initiated almost 5-6 visits requesting the return of the fund to the account with Bank of America which is under the name of XXXX XXXX XXXXXXXXXXXX XXXX, account number XXXX but unfortunately all my requested were unsuccessful. Every time I am given different answer and reason for why the money did not return back to the account. Many times, I was told we sent a message to XXXX bank, but we have to wait for XXXX bank to respond to us and we have no control over when they respond to us. I was also told we don't know how long it will take them to respond and there is nothing we can do about that, and we have to wait. I then visited XXXX bank and requested the number to their wire dept. and when I called them to ask about why are they holding the wire fund with them they said they can not talk to me because I don't have an account with them and that I have to get my Bank of America to talk to them. I went back to bank of America and asked them to call XXXX Bank in my presence on a conference call, XXXX bank indicated that they did send the fund to bank of America, but Bank of America returned the money to them again by mistake. It has been a nightmare and a very frustrating experience for me for the last 2.5 months also frustrating experience for the XXXX XXXX organization in XXXX since this fund was to help their orphanages. Can you please help us get this fund of {$10000.00} back into the account of The XXXX XXXX XXXX with Bank of America here in the US PLEASE.
Consumer complaint received 2020-08-24
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: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX, I went to the XXXX XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX. in XXXX XXXX. The nurse on duty thought I was a XXXX patient and forced me to go to the emergency department which was a misleading and wrong judgment. 

I went to the XXXX XXXX and the doctor on duty in the XXXX Department wants to XXXX for XXXX XXXX on my back to prove their Wrong Assumption. I denied because both my wife and I were educated in XXXX XXXX when we were young. 

I pointed to the Doctor that my body XXXX and XXXX XXXX numbers are both normal, the chance that I have XXXX is very low. I dont want have the side effects of XXXX XXXX operation. He agreed and dropped that procedure. 

According to the last XXXX  who checked and talked with me before I was discharged from the Emergency Room, my problem was caused by XXXX in my XXXX XXXX, and it is XXXX. 

I stayed there for less than 24 hours and refused to be transferred to the normal patients room for extra stays. There are no medicine were used and no IV for liquid or medicine. 

I dont know how the hospital could bill the insurance company for {$55000.00}. ( Both the insurance company and I asked for the medical reports for all of the listed test/examination. Besides a few basic one, none of the listed charges have provide us evidence/reports. ) I have contacted TransWorld Sys Inc/XXXX for more than 3 times ( a collection company who purchased my data from XXXX and want me to pay the {$460.00} denied by my insurance company ) and Disputed with XXXX and provided evidence to support my requirements. 


I have dig into my medical records in the past two months and collected all evidence to prove that I am not responsible for the {$460.00} Transworld try to collect on behalf of XXXX XXXX XXXX XXXX ( Part of XXXX XXXX XXXX XXXX ). 

Attached please find the copies provided by XXXX XXXX XXXX XXXX. ( Patient Name : XXXX XXXX XXXX, Subscriber ID : XXXX, Claim Number XXXX. The claim was received on XXXX and processed in 30 day ( s ). Patient Responsibility : {$100.00}. Amount XXXX XXXX Paid : {$9500.00}. Network savings : {$46000.00}, Amount Billed by Provider : {$55000.00}. Please see all of the columns that under Patient Responsibility : Besides the {$100.00} Co-payment I have already paid, the rest of my payments are all XXXX. 


I have maintained a very good credit history in my life and wont let this ruin my credit score. 

Please go through the attached documents and help me to resolve this issue. 

Thank you very much! 

XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

In XXXX of XXXX i filed a dispute on XXXX  bank for being inaccurate and this item from XXXX Bank ( XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law Experian report # XXXX Date XX/XX/XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (MD)

I was notified that Enhanced Recovery Company reported a balance for an old sprint bill to the credit bureau 's in XX/XX/2020. This debt was not only discharged in a bankruptcy, but it was also reported well outside of the statute of limitations. They arent even reporting all of the required information, such as date the account first became delinquent with the original creditor. When the credit bureau 's attempted to validate the information with them, instead of checking their records they simply reported it as accurate. To date, this company has not rectified this error.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (VA)

Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof fXXXX  XXXX that this a fraudulent account.
Consumer complaint received 2022-11-09
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. (FL)

Upon checking my credit report, I notice an account from XXXX that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Consumer complaint received 2021-01-05
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: U.S. BANCORP (PA)

I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

XXXX XXXX ELAN FINANCIAL which ran my credit twice in two days XXXX XXXX