davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

FREEDOM MORTGAGE ORGANIZED A COMPLICATED FRAUD COVER UP IN XX/XX/XXXX WITH XXXX MORTGAGE. XXXX XXXX HAS CONFIRMED LOAN ORIGINATION FRAUD AND EMBEZZLEMENT / MISAPPROPRIATION OF FUNDS OCCURED AT FREEDOM MORTGAAGE AND XXXX XXXX WHEN FREEDOM MORTGAGE WAS CONFRONTED AND CAUGHT ... THEY SOLD THE LOAN TO XXXX *** XXXX REQUESTED THE PROPER LOAN DOCUMENTS TO PROVE THIS WAS NOT A FRAUDULENT LOAN .. AND INSTEAD GOT AN ORGANIZED CRIMINAL COVER UP ORCHESTRATED BY FREEDOM MORTAGE 'S VICE PRESIDENT, XXXX XXXX *** FREEDOM MORTGAGE NEVER PRODUCED THE DOCUMENTS NOR DID THEY DEFER OR REFUSE TO COMMENT AS UNAUTHORIED 3RD PARTY IN XX/XX/XXXX ...  ALTHOUGH LEGALLY THEY SHOULD HAVE AND FORCED XXXX TO CANCEL THE LOAN DUE TO NOT HAVING THE PROPER DISCLOSURES OR LOAN DOCUMENTATION *** FREEDOM MORTGAGE LIED TO THE CFPB AND THE CONSUMER IN XX/XX/XXXX AND XX/XX/XXXX AND MISLEAD BOTH OF THEM ON HOW THE REAL ESTATE SETTLEMENT PROCEDURES ACT WORKS WHEN ENFORCED *** YOU CAN NOT MISLEAD A CONSUMER ... YOU CAN .NOT LEAVE OFF LENDER REQUIRED ITEMS TO MAKE A PAYMENT APPEAR LOWER *** WHEN ERRORS OCCUR THEY HAVE TO BE CORRECTED OR 100 % OF THE LOAN HAS TO BE CANCELLED ... IMMEDAITELY ... WITHOUT QUESTION, HARASSMENT, EXTORTION OR ANY FURTHER COLLECTION ATTEMTS OF ANY KIND *** THIS IS COMMON SENSE AND IT IS THE LAW IN EVERY INDUSTRY*** XXXX HAS NOW LOST THEIR STAR WITNESS ... XXXX XXXX KNOWS SHE BROKE THE LAW AND NOW REFUSES T COMMENT *** XXXX KNOWS FREEDOM MORTGAGE BROKE THE LAW *** XXXX BROKE THE LAW BY COVERING THESE FACTS UP *** AND NOW EVERYONE IS HIDING FROM EACH OTHER HOPING WE JUST GO AWAY ... THERE IS A 0.0 % CHANCE OF ME GOING AWAY WITHOUT JUSTICE IN THIS CASE ... I FOLLOW THESE LAWS EVERY DAY ... I EXPECT EVERYONE ELSE TO DO THE SAME WITHOUT QUESTION ... ALWAYS FREEDOM MORTGAGE ANSWERED THE PREVIOUS COMPLAIBTS FALSELY AND ENTHUSIASTICALLY ... SO WHY BE COY NOW??? YOU BROKE THE LAW,,, FACE THE CONSEQUENCES. I CAN NOT SELL STOLEN GOODS OR MISLEAD PEOPLE BY HUNDREDS OF THOUSANDS PF DOLLARS ... AND NEITHER CAN THEY. WE ALL FOLLOW THE SAME LAWS ... SOME OF US JUST NEED FINES AMD PRISON TIME AS REMINDERS. WE HAVE PROVEN FRAUD ... XXXX CONFIRMED FRAUD AND LATER COMMITTED THEIR OWN FRAUD ... SO WE ARE EXERCISING OUR RIGHT TO IMMEDIATE LOAN FORGIVENESS. IF THEY REFUSE TO COMPLY ... I ALSO WANT THE RECORDING MADE OF MY XX/XX/XXXX-XX/XX/XXXX PAYMENTS AND XX/XX/XXXX TO XX/XX/XXXX PAYMENTS IN XX/XX/XXXX ... WHERE XXXX COMMITTED WIRE FRAUD BY TELLING ME THEY WERE APPLYING PAYMENTS TO MY ACCOUNT WHILE SIMULTANEOUSLY STEALING THEM AND NOT PAYING PRINCIPAL AND INTEREST FIRST AS REQUIRES BY THE RESPA. ALSO ... WE HAVE ESCROW FRAUD IN XX/XX/XXXX. I IMMEDIATELY PAID THE ENTIRE ESCROW SHORTAGE FROM THE ANNUAL REVIEW OF XX/XX/XXXX AND IMMEDIATELY GOT A DEMAND LETTER FOR MORE MONEY AND ANOTHER ESCROW SHORTAGE ... THEY CONTINUE TO USE COMPUTER FRAUD TO STEAL $ $ $ AND LEAVE CONSUMERS STRUGGLING TO KEEP UP WITH THE CONSTANT DISHONESTY.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( MCM ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The MCM acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted MCM on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, Experian charged my card for {$4.00} for a free credit report. I did not authorize the {$4.00} charge since it was a free report. Then on XX/XX/XXXX, I was notified by my credit card that I had a pending charge of {$19.00} for a service I never authorized nor did I sign up for said service. I proceeded to call Experian and was on hold for 2 hours before a service representative, who could not speak clear English, answered my call. This is a complete XXXX scheme that Experian is running. They entice people through email to try a free service and then silently and through very deceptive tactic sign people up for a service they don't want. They will say you signed up. They manipulated the placement of such a deceptive tactic and many consumers are duped into signing up and not even realize it. In addition, I received an email from Experian on XX/XX/XXXX, that I click on and low an behold the next day I had a pending charge of {$19.00}. Very effective strategy for a company running a massive XX/XX/XXXXscheme. I guarantee if this happened to me there are millions of consumers having their money swept from their credit card accounts and bank account on a monthly basis. If 1 million consumers are deceived that is {>= $1,000,000} per month going to a company for a bogus service. This has the making of a class action law suite in line with the XXXX XXXX scam.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I have a checking account with TD Bank and have had it for 12 years. I am often times charged an OVERDRAFT PD even when I transfer money over from my savings account to cover the transaction. Even if the transaction is still pending, or hasn't even shown up on my online banking summary, it will still be put before my transfer of funds. 

The four most recent OVERDRAFT PD 's are : OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$70.00}
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the NAVY Credit card and the XXXX credit card has been paid in-full by me.
Consumer complaint received 2018-02-16
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: SYNCHRONY FINANCIAL (UT)

Institution Information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. 

Institution Information SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information SYNCB/PAYPALEXTRASMC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
Consumer complaint received 2018-02-16
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: EQUIFAX, INC. (MS)

I have disputed all inquiries on my credit report, I have notified every credit bureau & the companies of each credit inquiry. I have put a fraud alert on my accounts and yet inquiries still keep popping up on my credit reports with Equifax. I have disputed by mail and over the phone on several occasions & Equifax doesn't seem to want to stand by the FCRA rules. Upon further research & investigation both XXXX & XXXX removed all disputed inquiries. I don't believe that Equifax has done any investigating into this situation at all. I am asking Equifax to abide by the laws & delete the unauthorized inquiries. I do not want to have to take Equifax to a small claims court but it's looking like that's the direction they are wanting to go in. I want these unauthorized inquiries deleted off my credit report & I'm going to do whatever needs to be done to get my results. I did not authorize any of these & it's damaging my credit!
Consumer complaint received 2024-11-04
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. (WI)

I am not familiar with this account. I originally called XXXX XXXX and they informed me that they had not sent any accounts to collections. I then filed multiple disputes with Transunion. The results reported that the account was verified. I then contacted XXXX XXXX XXXX and they informed me that there was no account there matching my social security number. They said I needed to reach back out to Transunion to confirm the information being reported. When I spoke with Transunion, they concluded it was an account from XXXX, however, they do not offer XXXX in the region that I live. So, I believe this account was opened fraudulently under my name.
Consumer complaint received 2018-02-16
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: Experian Information Solutions Inc. (NJ)

I have requested from the collection agency, XXXX XXXX XXXX, and Experian for a validation of debt for the alleged account. The initial request to collection agency was on XX/XX/XXXX followed by a second request sent on XX/XX/XXXX and most recent to Experian on XX/XX/XXXX. All were sent certified mail with electronic signatures. Each time the collection agency did not mark the item disputed with Experian. Experian sent dispute result twice stating item is reporting accurately but the collection agency still has not marked the item disputed. I am confused how the accuracy has been verified if they have not been in contact with the bureau.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (FL)

I recently filed a complaint against,  XXXX   XXXX   XXXX  regarding this same issue. However, the same issue remains with  PNC Merchant Services.      In  XXXX  of  XXXX , I purchase a   XXXX   XXXX   in Florida. As part of the venture, I signed up for merchant services with  PNC Merchant services. As part of the agreement, PNC Merchant Services  would take a percentage of my company 's production that was processed via credit card. Each credit card ( e.g.  XXXX ,  XXXX   XXXX ,  XXXX , etc ) had a different percentage that would be deducted for the amount collected.     In  XXXX   XXXX , my   XXXX   XXXX   went out of business and a settlement agreement was reach with  PNC ba nk to write off the remaining loan balance, as the business was sold at a significant loss. The credit/debit card machine was returned to  XXXX   XXXX  via  USPS  delivery confirmation.  XXXX   XXXX  and  PNC Merchant se rvices were both informed that the dental practice was no longer in business and that all equipment was returned.     The last credit card purchase made at my business was during the first week of  XXXX   XXXX , at which time,  PNC Merchant Services  took their agreed upon percentage. No further transactions were processed at the business, and the credit card terminal was returned. However , PNC Merchant Services  continues to sent me bills for aggregate fees, which I do not owe since I have not used their credit card services since the business closed. Any percentage of   XXXX   is  XXXX . Please help me resolve this issue. Thank you.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is not giving me any infromation on how the have validated this account I have disputed and asked for them to furnish me the information, due to me persoanl not being able to contact this company. So I need to know how are they contacting the company if I can not.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I applied for a different repayment plan when i realized i could lower my monthly payments at the end of last year. When the repayment plan was processed, it was erroneously processed and capitalized interest was not added into the plan, causing an additional amount to show up as " past due '' on my account. In addition, i was not even contacted about the repayment plan being approved until after I called multiple times to check on the plan status and what the new payment would b due and it was not until XX/XX/XXXX that i even received the letter confirming this. I called muliple times and was told my " application was still being processed '' even though it was submitted at the end of XX/XX/XXXX and initally was given an incorrect payment amount via email. 

I have never missed an account payment as I am set up on an auto-pay plan. I filed for an income driven repayment plan because i can not afford the burdensome amount of the standard repayment plan. To then receive multiple notices from the student loan agency saying that my " delinquent '' payment has been reported to credit bureaus, then have to file a credit dispute form, all due to their administrative error is absolutely unfair. I followed all of the steps advised by the student loan agency once they admitted their error. They said that they would retract the negative credit reporting due to their error, but just in case to file a credit dispute form. 

After almost a month of waiting for them to actually process the fact that XXXX was incorrectly charged to me based on their administrative error, I called back and was told this was still processing. I then received a notice that stated the credit dispute request denied. This student loan agency is irresponsible in administering student loan and giving advice to its borrowers and does not have a timely method of resolving disputes that should easily be resolved through their administrative system. 

When i asked for documentation of my calls and requests regarding this matter, I was also told that none of the documentation of their error could be put in writing because they don't send individual letters to people. The only documentation of the information i was provided is through the multiple telephone calls i have made throughout the month of XX/XX/XXXX and beginning of XX/XX/XXXX.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX/XXXX : I called creditor ( Capital One ], requesting a new card ( mine is missing and also told the customer svc rep ( XXXX-sp? ) I needed to bring my account balance current. She informed me that I would need to call back after XXXX the next day ( XX/XX/XXXX ) when the payment clears and I could get a new card issued. My payment of {$450.00} ( I was only asked to pay {$130.00}, the amount past due ) cleared immediately. The payment confirmation # is XXXX. 
XX/XX/XXXX/XXXX : I called Capital One to request my replacement card and was informed that my account was restricted and I was not able to get a card. He confirmed my payment had indeed cleared but I could still not get a replacement card. He transferred me to an account Mgr who confirmed I could not get one. I would have made the minimum payment and saved the other {$300.00} for an emergency as my husband is currently on SSI. The Mgr is XXXX and his badge # is XXXX. He even put me on hold for @ 3 minutes returning to say he tried but there was nothing he could do. He said if there is ever an offer for restricted cards, I'd be notified but there is no offers at this time.
Consumer complaint received 2024-11-04
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. (FL)

I found out that i was a victim of identity theft in XXXX, ive been working with the bureaus but they have not been very helpfull. I have tried to remove this fraudulent account but it hasnt worked. I finally contacted lexis nexus directly and they agreed to delete the bankruptcy.
Consumer complaint received 2017-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY)

I sent money though money gram on  XX/XX/2017    and they wo n't release it and I have been trying to get a refund back and they transfer me to another department and they put me on hold and that has been happening every day and night and no one picks up and I am very tired of the way they are doing me just to get my money back from Money gram and the reference number is  XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am resubmitting a formal complaint to TRANSUNION regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  FL XXXX TODAYS DATE :XX/XX/XXXXATTENTION DISPUTE DEPARTMENT : 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 XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re 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 Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX