davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LD Holdings Group, LLC (CO)

Around XXXX I started the process of getting a home loan with a home loan lender to buy a house and my credit score was XXXX then over the course of a couple weeks and a couple credit inquiries my score dropped to XXXX  then on another inquery XXXX im curious why my credit score keeps changing and why despite no negative impacts other than the inqueries did my score drop to a XXXX.
Consumer complaint received 2022-12-07
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: Westlake Services, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Consumer complaint received 2023-05-22
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: JPMORGAN CHASE & CO. (MO)

I was alerted to an unauthorized inquiry for a loan by XXXX on XX/XX/2022. I contacted JPMorgan-Chase and XXXX XXXX the same day. I was informed a second loan application had been made and that both were obviously fraudulent. JPMorgan-Chase assumed me they would seek to removed the inquiries and I have written XXXX XXXX three times in the last six months disputing them. To date the remain in my report having caused a precipitous decline in my score.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OR)

I believe there was false documents record on my house by PHH Mortgage. The Vice President of PHH Mortgage name is not XXXX XXXX. XXXX XXXX is the one that signed the document. I am enclosing document XXXX XXXX has sighed that on not offical documents. I enclosing different document done by the doc company.
Consumer complaint received 2020-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I filed my complaint with TransUnion XXXX on line. 

I have not received any information from TransUnion since that time. I have considered filing it via mail but am concerned it will be rejected because it would be the same complaint with the same information and thus considered frivolous.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Group & Associates LLC (WA)

I was checking my credit and noticed a collection. The originator was a company called XXXX XXXX. I found out that someone had purchased a phone in my name ; however, nearly all of the personal information was incorrect. Moreover, when I tried to find out who the collection belonged to, I eventually came across Alliance Group and Associates, who had subsequently been given the account by a company called XXXX XXXX. XXXX does not have an account in my name, but it would appear that someone purchased a phone online. 

When I contacted Alliance, they demanded my personal information before they could give me my information. I declined, as they are already trying to collect a debt that isn't mine and I was never aware of. I requested information from them ; however, all that they sent me was an ambiguous letter with an amount due. It is worth noting, that before I contacted them, they did not even have any way of contacting me. They need to remove this from my credit.
Consumer complaint received 2020-07-03
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-03
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. (TX)

on XXXX XXXX XXXX  XXXXXXXX XXXX add a derogatory mark on my credit report per XXXX XXXX XXXXd Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX  and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate on a new car. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I was charged assuasive amounts of fees and it cause my acct to be overdrawn and I could not pay for it. All fees should be refunded back to me and the negative impact on my credit should be removed.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I call Elan Financial World MasterCard ( XXXX ) ending in XXXX in advance of my XXXX due date to discuss forbearance options as I had lost my job due to the COVID19. Elan Financial offered me a one month waiver of the Late Fees. I have called Elan every month to discuss my situation and inquire about forbearance programs. Unlike the credit issuers ( XXXX, XXXX, XXXX XXXX ) no programs have been available to assist me during this financial hardship. As a result of my inability to make a payment during the global pandemic, Elan has reported my account as past due to the credit bureaus. After the 30 day past due notice, on XXXX I spoke with XXXX and was advised my account was past due 55 days. He was unable to offer any assistance regarding payment options and advised " I am not part of the credit department. '' He then gave me an address to submit a dispute to their offices in XXXX XXXX. I have made nominal payments on the account ( {$110.00} or 1 % of the balance on XX/XX/XXXX ). On XX/XX/XXXX Elan Financial reported my account 60 days past due, further driving my credit score down. During this global pandemic with XXXX XXXX unemployed when we are trying to navigate rent, utility and food costs, banks and credit card companies SHOULD NOT be allowed to do this.
Consumer complaint received 2020-07-03
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: Shellpoint Partners, LLC (AZ)

I have submitted a dispute with XXXX, this company got my information, I never provided consent for any information or have had an account with them. On numerous times Ive spoken to them and they have refused to provide any details. Now they have reported collection to credit agencies for the amounts of XXXX that is owed and claim 180 days past due. I have never applied for credit for this mortgage as well. No record found.
Consumer complaint received 2021-11-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This complaint is against Bank of America.. 
Reason is they closed my Checking/Savings account on XX/XX/XXXX. I opened the account on XX/XX/XXXX with BOA ... I opened checking with cash of {$60.00}, I also opened Savings at the time with the amount of {$100.00} in cash..On XX/XX/XXXX I went to BOA in person to a cashier on the inside..I depostied {$480.00} into my Checking account with cash ... Everything was going good until I started transferring money from my XXXX XXXX XXXX XXXX XXXX account to my BOA account through XXXX... Which I was allowed to do, I even varied with both bank before I started it..My first transaction from my XXXX was on XX/XX/XXXX for {$100.00} into my checking account, on the XXXX of XXXX I sent another deposit into my checking once again..for the amount of {$150.00} ... I started transferring money this way because I was tired of having to drive all the way across town plus I was dealing with medical issues at this time..Anyway ... I should not be penalized because i was using the services that were available to me... They stated on the phone when I have called the Risk number multiple times way to many to count they said the bank stated that they couldn't prove it the money was mine ... Which it was as I have stated... I will attach the proof once I am allowed to ... When I have called numerous times also they said I was not allowed to submit my own paperwork showing proof that is was my money ... Let alone that should not matter if someone gave me to get by at the time... But anyways I received money from a lawsuit and also from back XXXX told BOA I was going to put money into that account when I received my money... Which I received them in XXXX and XXXX... I had over {$130000.00} in my NF account ... Which is none of BOA 's business what money was in my NF account at that time XXXX At they need to worry is that money cleared my account... Or at least call me and ask for proof..Which they did not nor did they let me submit my proof or information after they closed my account... I was told over the phone that they will do " Their own investigation '' as they see fit ... I have been dealing with this since XXXX of this year... I have not received a decision or my money back from them ... which they stated I would receive in XXXX days ... Now it has been 7 months ... This is total... XXXX.. I need your help please...
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I had a mortgage with XXXX  XXXX XXXX ( Account Number XXXX ). XXXX has incorrectly reported that I was late XXXX and XX/XX/2015. I checked my bank records and I made payments to them for those months and was not late.
Consumer complaint received 2020-07-03
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (CA)

XXXX XXXX area transfer of XXXX dollars to XXXX. Western Union transferred the monies at an exchange rate of XXXX yen and we have discovered that the exchange rates were much higher at a rate of XXXX yen on the transaction date of XX/XX/2020. Their own website had the rate at XXXX. Called to resolve the problem and they just kept saying that rates very and it just so happened that from where it was sent and other variables that XXXX yen was the rate. I find that to be far below the average rate just for one day as it averaged much higher all other days of the year not even going below a one to one ratio. Also, the exchange rate was not posted or told to us prior to the transfer by the individual working on behalf of Western Union. This type of transfer was the first time we have attempted this and so we relied on the representative of Western Union to process this transfer fairly. This cost us over 400 dollars with this transfer through Western Union.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

1.I have never had an account with this company PROGRESSIVE MANAGEMENT SYSTEMS XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROGRESSIVE MANAGEMENT SYSTEMS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 TransUnion : Factual Data XX/XX/20 TransUnion : Factual Data XX/XX/20 TransUnion : XXXX XXXX XXXX XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20
Consumer complaint received 2021-11-20
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: EQUIFAX, INC. (IL)

On XX/XX/2021 I wrote UNITED STATES XXXX XXXXXXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to EQUIFAX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I tried to deposit a cashiers check in my account at citizens bank and they said it would take 5 days to clear. I did this on XX/XX/XXXX. It is XX/XX/XXXX now and I called to see if the check cleared they said it was estemated XX/XX/XXXX  to clear. They are haveing a problem with their system so its saying it was already cashed when it was not. They are doing nothing to fix the problem and will not give me my money. Even though the bank the check was from says it was cashed at citizens bank they are making no progress towards verifying that. I cant get my money which is {$7500.00} and it is really affecting me please help.