davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PHOENIX FINANCIAL SERV 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 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me PHOENIX FINANCIAL SERV XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC (VA)

LoanDepot.com, LLC processed a loan application without my knowledge or approval. I received a letter of denial for the reason ; credit application was not complete. I did not complete the application when I decided I wasnt interested in applying for the loan. The Statement of credit denial is dated XX/XX/year> for a mortgage application. I have spoken to them but they will not correct it.
Consumer complaint received 2017-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO L 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 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me ENHANCED RECOVERY CO L XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Section XXXX ( a ) ( XXXX ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX 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 2017-12-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Golden Title Loans LLC (TN)

On XX/XX/XXXX I applied for a loan, with XXXX cash. I went on line. and the manager XXXX XXXX XXXX sent me an email. to me stating she was Not going to let me apply for a loan due to a loan was taken out in my name in XX/XX/XXXX. stating that, was the reason. Not letting me come in and make arrangements or proving that person was not Me. She has since XXXX XXXX, and she used all of the information that was in my files, to get cars. loans and other items. She XXXX two months ago, and before she XXXX XXXX. she told me she was sorry she had done this me,. and other people with the same name and almost the same social security number. So XXXX XXXX should have told me to come in with the report from the credit bureau to show this adversity had been on my account some while. and alerts have gone out for this matter, XXXX XXXX being a lazy and incompetent manager, did not even look for that at all. she simple turned me down and kept going. and she wrote to me a sleazy statement and stated to Me she was not going to let me have a loan. Ok, that is a form of discrimination due to the fact, I have the paper work to show I am not that person and information on my credit files have been damaged. she did not do that for me. the solution should have been to come in and show the files and start from there, or work a payment plan for the remainder of the loan. this lady did none of that. I want to file against this company for alleged information and not looking forward to the correct information that has been placed on each of my credit files. She should have done a better job in her research and not turning people down. she is not supposed to do people like that Is n't she in business to perform. her Job. she could have state home today with her derogatory statements Because i CLEAR DID NOT NEED TO HEAR THEM. SHAME ON YOU DO A BETTER JOB NEXT TIME.
Consumer complaint received 2017-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-12-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

The transfer was put on hold and when the MoneyGram agent and me, talked with a high level manager at MoneyGram he refused to allow the wire transfer! The agent and me answered all the questions he asked! The MoneyGram manager said I was not allowed to use MoneyGram services anymore! This would not be a problem, but XXXX XXXX told me five years ago that I could not use there services! I tried to use XXXX XXXX recently, but they declined the wire transfer! 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been a victim of a fraudulent transaction which occurred on my Bank of America account on XXXX and XXXX XXXX XXXX, this was due to negligence and unauthorized access to my account. 
I was requested to do a favor by a person ( Friends friend XXXX ) to transfer funds from my account to his cousins account after he would have deposited the amount into my Bank of America ( BOA ) checking account. After receiving the funds XXXX which I thought were deposited by the above-mentioned XXXX ), I did wire transfer deposit matching funds ( on XXXX XXXX and XXXX XXXX XXXX ) from my account to another account as per the request. 
The funds that I thought were deposited into my account by the XXXX were the result of a temporary cash advance ( XXXX misrepresented himself as me to BOA, claiming that a previous ATM cash deposit made on my account was not visible, hence the bank while investigating the case made a temporary/cash advance into my account ), all this was unbeknownst to me at the time, I thought it was a deposit by XXXX 
Without any proper verification, BOA made a temporary adjustment totaling {$3600.00} ( {$1900.00} and {$1700.00} on XXXX and XXXX XXXX XXXX respectively ) to  satisfy the claim of XXXX. After BOA discovered that there was no missing ATM deposited funds, they rolled back the temporary/cash advance on XXXX & XXXX XXXX XXXX. All the above details were brought to my notice when I noticed my account was overdrawn on XXXX XXXX XXXX. 
I would like to make a complaint against BOA for a few major factors that I consider negligence on the part of BOA, also none of the above was brought to my attention until I noticed my account being overdrawn. BOA has myriad ways to contact me, including email, mail, phone or text message. Listed below are few of the details that I have issues with : 1 ) Allowing XXXX to manipulate then into believing that an ATM cash deposit was made on an account that clearly had nothing to do with that person. 
2 ) XXXX pretended to be me is a XXXX and I 'm XXXX, which clearly implies that the given information to an unauthorized person. 
3 ) Documentation concerning to XXXX claim about the missing ATM deposit was sent to a mailing address that is not mine, hence this documentation was never received by myself. BOA has always had my mailing address on file. 
XXXX ) A Cavalier attitude to security on the part of BOA has victimized me and made me realize that my account has no protection and is insecure. Is this how BOA treats their loyal customers? 
5 ) It seems that the security verification questions post the XXXX were my account number and postal address, which can not be called " security verification. 
6 ) Why in world would anyone grant a temporary cash advance without proper verification. 
My attorney has advised to send you this letter laying out the facts in a straight-forward manner hoping for a speedy resolution of this matter.
Consumer complaint received 2017-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MD)

I monitor my credit every month, and noticed a Debt added on to my credit that does not belong to me. 
Collection Agency : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date on my collection Report : XXXX XXXX, XXXX Amount of debt : {$600.00} Date of Service :?? 
Provider of Service : XXXX XXXX Hospital I asked them to give me proof that I owe this debt, a itemized bill, my signature on it, something from the hospital, they never sent me anything. I sent them a HIPAA violation letter, they ignored it and reposted it to my credit bureaus, XXXX and XXXX as valid. 
I have written letters to each credit bureau stating its not mine, and they updated saying verified by creditor, yet no one has showed me anything, as this was not me.I was even out of the country when this bill supposedly took place!!! 
this debt is not valid as i have NEVER BEEN TO THIS HOSPITAL EVER. 
I called Debt recovery, they were very rude to me on the phone.
Consumer complaint received 2017-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I made my XXXX 2017 mortgage payment at a local us bank branch here in XXXX on XXXX and XXXX around the XX/XX/XXXX of the month, then 2 or 3 weeks later I check with my bank to see if the funds was deducted out of my checking account, and it was not. So I called both the XXXX branch and home mortgage office to see if they had a record of my payment, and there was no such record. So to keep it off my credit report for a late payment history, I made a over the phone mortgage payment that cost XXXX. Then 1 or 2 days later us bank tried to process the original the check which cause overdraft fees of XXXX dollars plus the XXXX fee. I think its strange they could find my check after my calling them I am retired with a modest pension and I do not appreciate this treatment. So I would like to receive the most I can legally get for this irresponsible conduct from us bank ... ..I will include my lawyer letter to us bank and my copies of my bank overdraft fees, the original check ... thank you ..
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TN)

According to Tennessee state licensure verification, Enhanced Recovery is not licensed to collect in the state of Tennessee. I have requested verification to collect a debt in the state of Tennessee. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XX/XX/XXXX. This is also a debt that states it is from XX/XX/XXXX. The amount of the debt is {$740.00}
Consumer complaint received 2017-12-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

XXXX/XXXX/XXXX I ENROLLED AT XXXX CAREER CENTER IN XXXX XXXX FLA. 

MY GOAL WAS TO PICK UP A TRADE AND PICK UP A GOOD PAYING JOB TO SUPPORT MY BABIES, BECAUSE I HAVE XXXX KIDS. 

I ENROLLED INTO TWO PROGRAM AT THE SCHOOL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I COMPLETED THE PROGRAM AND WAS BEING PREPARED TO HEAD OUT IN THE FIELD TO COMPLETE MY XXXX AND OUT OF NO WHERE THE SCHOOL CLOSED ( WHAT HAPPENED NEXT ) 1. MY CREDITS FROM XXXX ARE WORTH NOTHING AND NO COLLEGE WANTS TO TRANFER AND ACCECPT THE CREDIT BECAUSE THE SCHOOL IS CLOSED 2. THE SCHOOL CLOSED WHILE I WAS ENROLLED AND DIDNT GET TO COMPLETE THE END OF MY PROGRAMS 3. XXXX DID NOT INFORM ME THAT MY ARREST/CHARGE WOULD OF STOP ME FROM WORKING IN MY FIELD. 

THE CAREER FIELD I CHOSE NEEDS AND REQUIRES LICENSE AND MUST TAKE A STATE REQUIRED TEST WHICH IS 10 QUESTION
Consumer complaint received 2017-12-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C. (MO)

My complaint does not fit the options, so I chose the closest and will explain below. 

Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on XXXX private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for XXXX months and then stopped. Since the first XXXX payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XXXX and XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XXXX 2016. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to Mr. XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these XXXX individual accounts in person since last year. When I went to their office on XXXX XXXX, and was informed that once of the accounts had been closed on XXXX XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.