davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information is fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. XXXX XXXX keeps telling me that I need to contact XXXX for remittance of payment, but XXXX said that the account has been sold to Amsher and I need to refer to their office. Amsher keeps referring me to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX refers me to XXXX. It has been difficult getting in touch with someone. I am concerned that this account appeared on my credit report and it was incorrect and didn't belong there. This seems fraudulent. I have filed a police report in regards to my account ( XXXX ) with XXXX and Amsher Collection Services . I went into the XXXX store and received assistance. I was told that the account has been canceled, but found out that there were five ( 5 ) lines added to my account prior to it being canceled. I did not authorize these phone lines and I am not sure how they were added. The associated phone numbers are as follows : XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX I have attached the Police Report. Also, I would like to receive the full amount that I sent via money orders. I would like a refund of {$820.00}. I haven't received anything in the mail from Amsher Collection regarding this credit/refund. I have filed a Police Report and have attached the report as well as the money order receipts to show the full amount that I sent to the XXXX XXXX XXXX XXXX XXXX ( Who is working on Amsher 's behalf ). I would like to receive my money back. Thank you.
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I have recently received a copy of my credit report ( copy attached ) and noticed an item being reported by ARS ACCOUNT RESOLUTION ... .... {$57.00} After reviewing, I sent notice ( copy attached ) requesting proof of me authorizing release of my medical records to them under HEALTH INSURANCE PORTABILITY ACT. I have not gotten any response from ARS ACCOUNT RESOLUTION and my most recent credit report shows that they continue to report this item in clear violation of HIPAA. I am allowed to protect my medical records from third parties and I do not recall giving my permission to them.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

My wife and I were approved for a mortgage loan with Wells Fargo Bank in XXXX of XXXX. 
This was for a new home under construction. A closing date of XX/XX/XXXX was scheduled and accepted by all parties involved. 
A disclosure of closing costs was sent to us on XX/XX/XXXX. The total amount of money needed required by us, the borrowers, at closing was listed as {$2900.00}, but since we had already prepaid the appraisal costs of {$690.00} our balance due ( above the cash down payment ) was {$2200.00}. We got a cashier 's check for that amount.

On the day of closing, just two hours before the closing meeting, Wells Fargo sent a new disclosure of closing costs. This time the cash needed at closing increased {$2000.00} to {$4900.00} ( from {$2900.00} ). This is an increase of over 70 %! The law states they can increase the closing costs but only by a maximun of 10 %.
Consumer complaint received 2022-06-30
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. (CA)

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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

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 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EdFinancial Services (NY)

EDFINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX I have asked for information for the reporting company for any signed documents that this loan belongs to me and it could not be furnished. Despite the fact that someone else is paying for this loan in a timely manner, it does not belong to me. I have never needed a loan for school because my tuition was mostly paid by my federal financial aid.
Consumer complaint received 2022-06-30
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. (CA)

I submitted a complaint # XXXX previously and received a reply through your agency from Experian. They stated in that reply that they would send a FORM for me to fill out and mail in to permanently opt out of my information being shared with their " partner '' companies or whatever. I received a notice from them ( with my credit report which I did not request ) in the mail that stated that I needed to write a letter to a certain address in order to remove my name from their " mailing lists. '' No form. And I received a postcard from them stating the same thing. Neither the envelope for the notice and credit report nor anywhere on the postcard was there any identification that this was coming from Experian. I could easily have thrown the envelope out assuming it was junk mail -- with all my information on it (! ) -- and I could easily have dismissed the postcard ( with its tiny print ) as nothing important. This is not the way to take care of someone's important information or important instructions for how I can maintain my privacy. Again I am outraged at Experian 's flagrant disregard for my privacy.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had for {$5000.00} on XXXX {$2200.00} on XX/XX/20 Although they took my payment for XXXX already and I was going to pay thus amount against pay principle but they took it for my XXXX payment. I called on XX/XX/20 and asked XXXX ( the representative ) to apply this to my principle which she said she did. again I called on XX/XX/20 and talked to XXXX why still pay payment is not corrected she said give us more time. I called again on XX/XX/20 talked to XXXX and she said the other two representative never asked for correction. I even talked to the supervisor but useless.They are charging me for future interest although I have already paid most of my loan. 

Their site is suppose to show bar ck down of customers payment when they pay but this service r doesn't. I had loan all my life I have not seen company like this company super greedy.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.
Consumer complaint received 2022-06-30
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. (MN)

I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY TRANSUNION CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT TRANSUNION. HOWEVER, MY ISSUE WITH TRANSUNION IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE THESE INQUIRIES FOR XXXX XXXX XXXX XXXX OR XXXX XXXX  NEITHER WHICH ARE REPORTING NO ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO FRAUD. THEIR NOT REPORTING ANY ACCOUNT ON MY CREDIT REPORT, SO WHY HAVEN'T TRANSUNION REMOVED THEM?
Consumer complaint received 2020-07-14
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-06-30
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. (IL)

On my credit report these is an account with the United States Department of Education with a balance of {$1.00}, XXXX. This account is attached to the XXXX  XXXX XXXX in which they agreed to remove from my credit file as they as under investigation for multiple things. Also, it is reporting as delinquent and the DOE said they only reported this account twice
Consumer complaint received 2022-06-30
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. (MN)

EXPERIAN ASKED ME TO PROVIDE SUPPORTING DOCUMENTS TO SUPPORT MY IDENTITY THEFT DISPUTE, AND SAID THEY WOULD DELETE THE AFFIRM ACCOUNT. I HAVE PROVIDED THEM ALL THE DOCUMENTS IN THE MONTH OF XX/XX/2022. I HAVE CALLED THEM AND SPOKE TO THEM ON A RECORDED LINE, WHERE THEY CONFIRMED THEY RECEIVED ALL THE NECESSARY DOCUMENTS TO BLOCK THE AFFIRM ACCOUNT, BUT EXPERIAN STILL REFUSE TO BLOCK THE ACCOUNT. THE RESULTS CAME BACK " REMAIN '' ADDITIONAL INFORMATION REQUIRED. THEY ARE STILL ASKING ME FOR THE EXACT SAME DOCUMENTS THAT I HAVE ALREADY SUBMITTED TO THEM, AND HAVE ATTACHED TO THIS COMPLAINT. I WAS NOT EXPECTING THIS DISPUTE TO TAKE THIS VERY LONG. I AM NOT SURE WHY EXPERIAN IS GIVING ME SUCH A DIFFICULT TIME TO RESOLVE THIS MATTER. HOWEVER, I WOULD LIKE EXPERIAN TO NOW BE INVESTIGATED. I HAVE PROVIDED A LOCAL POLICE REPORT REGARDING THIS MATTER. THE POLICE REPORT IS FROM MY LOCAL CITY XXXX XXXX, AND HAS A REPORT NUMBER ON THE REPORT. IT CAN ALSO BE VERIFIED WITH MY LOCAL LAW ENFORCEMENT AGENCY.
Consumer complaint received 2020-07-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2021-09-15
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. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have case me.
Consumer complaint received 2022-06-30
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. (TX)

XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

XX/XX/2021 I searched for a credit card, online, to consolidate my debt. I needed at least a {$10000.00} credit card. Only offers I found was one from XXXX XXXX for {$3000.00} and one from bank of america for {$3000.00}. I could only choose one. Being of insufficient amount I declined to apply for either one. On XX/XX/XXXX, bank of america deposited {$3000.00} into an existing XXXX XXXX credit card account I currently had for about a year. The deposit was made without my consent, knowledge or approval. I only found out it existed when bank of america sent me a bill for my first payment on XX/XX/XXXX. I called b.o.a. at least six times over the course of the next three months to no avail. They closed my account but still continued to not only bill me but since I refused to pay them they charged late fees. It has affected my credit rating drastically. I also contacted XXXX XXXX. They explained they often accept deposits from other financial institutions. I need help. I am about to pay off b.o.a. But before I do I would like to discuss this.
Consumer complaint received 2020-09-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America filed my neighbor 's mortgage against my property ( they input the wrong legal description ). 
I am now unable to sell my home because the title is not clear. We have been trying to clear this up since XXXX ( 3 months ago ). My neighbor has contacted the bank on numerous occasions. The realtor has contacted the bank numerous times. We have had a lawyer contact them. BOA claims that they are taking care of this, but we are not seeing any response. 
I already had one set of homebuyers back out on purchasing the house because of this and am about to lose a 2nd set of home buyers.

Please help!!!!!
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (PA)

i went to dealer told me they was only going to XXXX end getting a lot of inquires XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a fraudulent debit charge of {$300.00} show up on my checking account on XX/XX/XXXX. The debit was to a gas station in XXXX Arizona. I live in the XXXX area in California. I have no other debits related to anywhere in Arizona. All my other debits are from where I live and work in California. I contacted Bank of America and they opened up a claim, canceled my debit card and issued a credit. Excellent service so far. On XX/XX/XXXX, I received a letter stating that my claim was denied and my account was recharged the {$300.00} fraudulent data. I tried to contact the bank 's fraud department 3 times to try to speak to a live person as to why the claim was denied. I could not get ahold of anyone. I tried a general customer service number and did get to speak to a live person who sent me to the same fraud department which hangs up on you unless you have a new claim. I'm sick of the run around. This is my first fraud claim I have had in 30 years banking with B of A. I at least would like an explanation as to why they denied it. They do state in the denial letter that they denied the claim because : " We didn't receive the information we requested from you or it was incomplete. If you have the information we need for your claim, we request that you send it to us in the next 10 days so we may reopen it. '' Just one big problem : the bank never reached out to me about this claim asking for additional information, no phone call, no letter, no nothing. 

I read the above quote as : Sorry, but we are going to sit on your fraud claim and not investigate for 3 months deny it and say it's your fault and charge back your account, Okay?? 

I am very disappointed that Bank of America can't keep my hard earned money safe and when fraud does happen one time in 30 years they decide to XXXX the customer. How many other people have they done this to I wonder?
Consumer complaint received 2020-07-13
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.