davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MD)

XX/XX/XXXX I was made aware that I had a delinquent account with sprint mobile in the amount of {$120.00} My account with XXXX was closed in the fall of XXXX. XXXX assessed additional charges and sent this bill to convergent outsourcing. I received no communications regarding the delinquent account from XXXX or convergent outsourcing. I was made aware of this situation as im in the process of purchasing my first home, and upon pulling my credit, convergent has reported this to multiple credit bureaus effectively dropping my credit score from Excellent to poor. I have since taken care of the debt owed, however, my credit is damaged to a point where I may not be able to finalize my mortgage on XX/XX/XXXX on the house I have under contract. This is unfair and unjust. I had not been made aware of this and am seeking justice to have this removed from my credit report
Consumer complaint received 2022-06-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX Account # XXXX US DEPT ED , Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXX 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 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

In 2017 I started using equifax credit monitoring service to monitor my credit and something happen because my information was stolen. I have several people in Texas open account under my name and are using my information to find employment. I never experience this until I use equifax monitoring service.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Hudson United Mortgage LLC (NY)

Hudson United Mortgage mishandled my escrow at closing and failed to pay the due taxes. They have been uncooperative in fixing their error and now my monthly bill has gone up {$1000.00}. They do not return phone calls, they blame others and do not provide any documentation of reparation of their errors. I need help to get them to fix their negligence.
Consumer complaint received 2021-08-18
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. (TN)

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2020-11-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Consumer complaint received 2022-07-08
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. (OH)

In accordance with the Fair Reporting Act ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) Has Violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A.

Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-17
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)

Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as soon as possible.
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (NV)

NCB Management Service has yet to validate debt and how i the consumer is obligated to pay this debt. 

Notice to all, I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, i would be happy to settle any financial obligation I might lawfully owe as soon as I have received the following documentation from you : The following documents are needed to move forward in these matters XXXX. Validation of the debt ( An audit trail of account in accordance with XXXX ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and XXXX State Statues for Lawful Purposes. 


All tax bond receipts XXXX XXXX, XXXX, XXXX The authorization from the XXXX XXXX XXXX to go forward with the above mentioned account number [ 26 U.S.C. 2032A ( e ) 11 ] Employee Affidavit [ Title 5 U.S.C. 3333 ] Registration [ Title 22 U.S.C. 611 and 612 ]
Consumer complaint received 2022-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I sent my letter on XX/XX/XXXX XXXX i told the credit Bureaus to investigate the Inaccurate information on the accounts i have listed below. I Also have the letter attached with the tracking number. 

According to the FCRA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified as accurate how is that possible if i have proof they did not do a proper investigation according to the law. Also these accounts are still reporting inaccurate information. According to the FRCA 15 USC 1681 everything must be 100 % accurate. the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it
Consumer complaint received 2021-08-05
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. (NY)

I going through my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response and the response is saying about verification that I keep sending in. These accounts are hindering it are keeping getting a loa? Please remove these items from my credit this my third letter Im resending
Consumer complaint received 2022-06-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I filed a complaint against Equifax number XXXX, regarding their stall tactics and blatant refusal to provide me with my full consumer credit file disclosure. Equifax responded once again with a false and misleading statement about me disputing information on my consumer credit file and how they conducted an investigation. Which again, I never disputed information on my consumer credit file, I demanded my full consumer credit file disclosure. Equifax continues being deceptive and remains in violation of my federally protected consumer rights. I will be putting my state 's attorney general on notice.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There was fraudulent transaction done at a teller and they say that my claim is closed with out giving me additional information There were 2 fraudulent transactions on my account made at a teller simultaneously on XX/XX/XXXX which was a Saturday.A stolen check was deposited in my account for $ XXXX and a withdrawal for $ XXXX was made with a teller.. I filed a complaint they suggested as there has been fraud on my account that I should open a new one which I did on XXXX XXXX.. When I made the claim they told me the $ XXXX that was withdrawn was a check and that it takes about 2 months to investigate.. they did put the $ XXXX back in my account so l just kept moving forward waiting to hear back from them.. on XX/XX/XXXX I receive an email stating that the case has been closed and not in my favor as the ID matched what they had in their records along with the signature.. both are lies, my license has been expired since XXXX and it was actually revoked around that time and I never got a new XXXX, so when I opened my account the ID that I used was my passport which they confirmed when I spoke to them today XXXX My signature is pretty simple but I've been signing my name the same way for years and I guess lesson learned.. I have spoken to countless people to no avail.. they pretty much say that as it's not a large sum of money by Bank of America standards they are not going to help me.. they will not disclose any information to me like a copy of the deposit or withdrawal slip which they used as evidence to rule against me.. they will not tell me the branch or even what state the transactions took place.. everyone I talk to makes me feel like I am wasting their time even though is MY money.. today XX/XX/XXXX Bank of America had move $ XXXX worth of funds to the new account to cover the {$2500.00} that they took withdrew from my old account which has not been closed as the investigation is still pending after I filed a complaint with the OCC.. i did get a call from a XXXX XXXX from the Bank of America complaints branch but still have not heard anything back I filed a police report as well and have been following up with them.. it's very difficult to believe that I have to jump through so many hoops to get MY money back.. I have attached copies of the fraudulent check that was deposited.. I did call the company on the front of the check and their company checks were stolen and they had {$50000.00} worth of fake checks written one which was put into my account the signature on the back of the check does not match mine which they stated. I have attached the police report, a screen shot of my online banking which shows the 2 transactions as well as the 2 emails that I received from them explaining why my claim was denied
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (LA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CHECK INTO XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

**XXXX- XXXX is not the problem XXXX is the issue** I contact XXXX an explain I caught XXXX XX/XX/XXXX went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the XXXX for XXXX XXXX They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX to dispute XXXX XXXX  day delq. on my credit report report # XXXX got an update on XX/XX/XXXX nothing changed. Call XXXX on XX/XX/XXXX to find out why it didn't update, the representative at XXXX told me XXXX  stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX I contact a manager at XXXX who advise me XXXX NEVER CONTACT THEM. WHY would XXXX HAVE A REPRESENTATIVE LIE WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX  STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Source Receivables Management LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (TX)

I asked Ally for an escrow analysis on my mortgage account XXXX to be done as my escrow account had a massive surplus. In their recent analysis, they estimated my taxes as {$46000.00} so they could fraudulently keep more of my money in this high interest environment. This is despite the fact that they know full well my taxes are around {$32000.00}. Ally know this as they my paid my tax bill in XXXX XXXX XXXXXXXX for a total of {$31000.00} ( attached ). They gave me a {$4500.00} refund rather than {$15000.00} and they increased my mortgage payments {$500.00} so that by the end of XXXX my escrow balance will be over $ XXXX in excess again! Allow know full well my taxes can not increase form $ XXXX to $ XXXX, that a 50 % increase and that is not possible. Ally have done this to deliberately keep more money than required in the escrow account.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I asked for help from Mass Atty General they arent helping!

During the beginning of the Covid pandemic the news said to check with your Mtge co to see what they will do to help, I called to see what options were available in the event it was needed! I have been going back n forth via emails,,,,, phone calls to them arent easy. Now they are demanding $ XXXX be paid in 2 months. They will do nothing to help but the payment plan thats insane paying back that kind of money in such a short time during this pandemic. The rep DID tell me that this has happened to other customers just an FYI this bank is deceptive when i called it didnt state that pressing such buttons will change your account which is what they told me when I inquire, now they want to forclose on my family home I am on XXXX I have a life ending XXXX and this is just too much for me. Please help us! 






I have been going back n forth via emails phone calls to them arent easy. Now they are demanding $ XXXX be paid in 2 months. They will do nothing to help but the payment plan thats insane paying back that kind of money in such a short time. The rep DID tell me that this has happened to other customers just an FYI this bank is deceptive when i called it didnt state that pressing such buttons will change your account which is what they told me when I inquired, now they want to forclose on my family home I am on XXXX I have a life ending XXXX and this is just too much for me. Please help us! l - [ ]
Consumer complaint received 2020-07-30
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. (CA)

I had a mortgage with XXXX XXXX XXXXXXXX that was late and I used a federal home loan modification program to refinance with XXXX XXXX XXXX XXXX I have never been late with the XXXX XXXX XXXX XXXX mortgage. My XXXX  report shows that I have been on time but XXXX  and Experian show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.