davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (NY)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (TN)

Fraudulent accounts or charges appear on my credit report from a car dealership running my credit through all the places they can find. I did not give authorization to pull my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (NV)

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2015-07-06
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX, XXXX bac XXXX XXXX XXXX XXXX, XXXX GA XXXXThe parties above, Has all committed Fraud and not allowed me to apply for short sale by home and by NOTgiving me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Has committed Fraud by not giving to me the correct " notice '' that B of A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXResend and STOP THE Foreclosure, HAVE THE BANK WORK WITH ME TO START A SHORT SALE AND HELP ME TO KNOW FOR SURE WHO IS THE CORRECT SERVICING LOAN MORTGAGE COMPANY. 

The parties below, Have all committed Fraudand are planning a foreclosure sale on XX/XX/2015 in XXXX XXXX GA. 
Bank of America Mortgage XXXXandXXXX XXXX XXXX XXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by not giving to me the correct " notice '' that Bof A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell
Consumer complaint received 2023-07-11
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. (TX)

I pulled a full report of my credit profile and noticed a slew of inquiries on my TransUnion account between XXXX and XXXX. I filed a Identity Theft report via FTC for these inquires. I mailed this report on XXXX along with notarized letters, provided my ID, XXXX card, signature and utility bill to prove it was me sending this dispute in. All of these were mailed overnight with tracking showing receipt on XXXX and I have been in contact with TransUnion ever since and they are refusing to acknowledge the dispute was sent by me nor will they take them off. 

I informed them I have not applied for any new credit from the following financial institutions showing the inquiries on my credit. I also informed them there are no accounts under my name on these institutions. 

XXXX XXXX ( XXXX, XXXX, XXXX ) - XXXX XXXX ( XXXX )
Consumer complaint received 2023-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (NY)

I am writing to complain about how Axos Bank, doing business as XXXX XXXX, acted in bad faith by not alerting me to important changes regarding the rate of return of my Savings account. 

In XXXX of 2022, I opened a Savings account at XXXX XXXX. There was only XXXX savings account offered, and it was called XXXX XXXX. My online statement was simply labeled Savings, not XXXX XXXX. Even as I write this letter, nowhere on my online statement does XXXX XXXX appear just Savings. 

As the XXXX  started to raise interest rates, XXXX  website continued to herald their increasing Savings account rate which, I assumed, my account was earning. But in an obvious slight-of-hand, at some point as rates were increasing, they changed the name of their XXXX account from XXXX XXXX to XXXX XXXX, which was the only savings account paying the advertised interest. I was never alerted to this and neither the name XXXX XXXX or XXXX XXXX appears on my statement just the word XXXX. 

I had no way to know that even though the bank did not even offer XXXX XXXX accounts to new savings clients, they simply kept my account as a low-interest XXXX XXXX account, earning only a little over 2 % ( the rate when the account was opened XXXX months ago ) instead of the ever-increasing rates of return they offered on their newly named XXXX XXXX accounts over the last XXXX months. As rates have almost doubled in that timeframe and with almost {$250000.00} consistently in that XXXX XXXX account from the start -- the lost amount of interest I should have been paid is significant. 

Changing the name of the savings account which paid the ever-higher interest rates without alerting me or making it obvious on their website is deception of the worst kind. It was both deceitful and unethical. The least they could have and should have done is to alert me to this change, and give me the opportunity to switch to the higher yielding XXXX XXXX. 

When I recently discovered all of this, I demanded they retroactively pay me the interest I was entitled to and they refused. I believe Axos bank, XXXX XXXX XXXX, should be held accountable for their actions and ordered to pay me the interest my account rightfully should have earned.
Consumer complaint received 2018-02-15
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 — Investigation took more than 30 days
Company: SECURITY FINANCE CORP (FL)

XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CONTRACT CALLERS INC (NV)

I have no idea who Contract Callers Inc is and they just charged my identity {$500.00} illegally. I checked my credit report using the XXXX XXXX app and I couldn't believe that I had a derogatory mark because I cleared all negative items from my credit report last year. I checked the negative item and it was an unfamiliar entity charging me {$500.00} which damaged my credit score by XXXX points and added unforeseen restrictions to myself, my family, and my household. I didn't give away my rights to preservation of consumer claims via any contract or agreement so a ) there should not be any reports placed on my credit profile and b ) there should not be an unknown entity shopping for my personal information and credentials whatsoever. This company has unlawfully acquired my credit extention and has illegally charged me repeatedly for the past 10 months while I was unaware.
Consumer complaint received 2023-07-09
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. (MO)

XX/XX/23 I filed an FTC Identity Theft Affidvit. XX/XX/23 I filed an Identity Thef Report with the XXXX XXXX  Police Department. Both these documents along with my driver license and social security card have been sent to Equifax via mail & fax. I have also submitted all of these documents to the lender : XXXX XXXX XXXX XXXX XXXX However this fraudulent account still remains in my credit report.
Consumer complaint received 2023-07-11
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. (MA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I disputed a charge on my Bank of America credit card statement but Bank of America waited till the 85th day to request further information from me regarding the dispute. 
I called them a few days later and was told my dispute was closed and the temporary credit issued me has been retracted. 
Ive been online all morning and found several instances where people reported similar happened to them. 
Please update your records to reflect that Bank of America is not fair and does not adhere to its due diligence to customers during disputes. 

Kindly refer to my initial report filed XX/XX/2022 # XXXX Thank you
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In light of your report on Bank of America, I can tell you the issues with them rearranging and double dipping late fees goes all the way back to 2008, at least. I closed my account with B of A in 2008 because of what they were doing to my account. I confronted bankers in the lobby, here in XXXX, to which they agreed with me that B of A did what they did. They tried to undo it and credit it back to my account, but the 'System ' would only allow them to refund {$20.00} at the time. This was the same time frame that Bank of America was bailed out by us tax payers. It's no surprise that year they charged customers the same amount in overdraft fees as the amount they were bailed out with. It made me furious, but I felt I had no recourse, until I saw the news that you were going after them. If it's not too late for me to help in this situation, I'll give you anything you need to help.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CT)

My mortgage loan servicing company has placed an escrow on my account for XXXX XXXX insurance. They have been supplied the XXXX XXXX certificate multiple times. They did not receive it ; They were sent via email as well, they didn't acknowledge. The property is fully insured. This appears to be a fraud to extort from me as I am fast approaching paying off the property. The Mortgage loan servicing company is not even responding to emails. Here is the time line Mortgage Loan Company name - Shellpoint Mortgage Servicing Account/Loan # XXXX - Shell point Mortgage sends a letter asking for Proof of insurance around XX/XX/2023 ; A letter was sent to them with the certificate of insurance in a week, - Shell Point Mortgage Send a second letter asking the same in early XX/XX/2023 ; This was responded to as well with the certificate of insurance within a week ; - Additional emails sent with the proof. 


Instead of acknowledging the receipt, Shell Point Mortgage placed an escrow.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023 I filed an Identity Theft Affidavit with the Federal trade Commission for illegal reporting from the credit reporting agencies. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MA)

Your office completed an ivestigation on this matter and the compnay stopped collecting the debt but they still have not removed it from all XXXX credit bureau 's. 
ERC for XXXX XXXX is still on my report.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2018-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (TN)

I have a private student loan through Sallie Mae. The total amount received each semester reflects both the amount of tuition plus the amount that is estimated to be the total living expenses for a semester. The funds are directly distributed to my school, XXXX XXXX University XXXX XXXX XXXX ( based out of XXXX, TX ), who is supposed to apply the funds towards tuition and then distribute the remaining balance to me ( since after all it is MY loan and I'm paying interest on it ). This is the second semester in a row that the school has kept my funds. 

Last semester, Sallie Mae distributed the amount of {$12000.00} to XXXX XXXX University on XX/XX/XXXX. A credit of {$4800.00} was supposed to be disbursed to me for living expenses for the semester. Instead, I didn't get my disbursement until XX/XX/XXXX, leaving me with no money to live off of for the entire semester. I realize this is a problem with the school and not necessarily Sallie Mae, but I believe Sallie Mae should hold the school accountable for making sure students get their money in a timely manner. 

I called Sallie Mae on two different occasions, and both times a customer service representative told me that once the funds are in the school 's possession, what happens to them is out of their hands. I don't understand how that could be possible as the loan is in my name and I'm the one making interest payments on it. If that were the case, what's stopping the school from keeping my money indefinitely? I believe that the school is using students ' funds to either make interest by keeping the money in their private bank account for an entire semester, or they're using the funds improperly in some other way. It's a very small school and in no way should it take 4 months to distribute these funds. It happens to multiple students every semester.

Sallie Mae disbursed my funds for this semester to the school at the end of XX/XX/XXXX, and now in the middle of XX/XX/XXXX I, once again, am without funds to pay rent or bills ( which is ridiculous because I'm still paying interest on loan money that is not even in my possession ). When I reach out to the school or to Sallie Mae they are of absolutely no help, and I believe that Sallie Mae doesn't care at all that the school is taking advantage of us. 

I believe that Sallie Mae should be held to a higher standard than what they currently are. The school should be required to distribute the funds in a timely manner. Please, please help me with this situation as I have no idea what else to do. Thank you very much for your time and help with this matter.