davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-02
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: LEXISNEXIS (WI)

I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to REPORT INACCUARATE INFORMATION and refuse to verify the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.
Consumer complaint received 2019-11-03
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 (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX   XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX, GA XXXX XXXX RE :  Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2019 and I noticed an unauthorized credit inquiry had been made. 
I contacted SYNCB/LOWE 'S XXXXXXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into SYNCB/LOWE 'S XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2019-11-01
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. (GA)

I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( Experinan, XXXX, XXXX  ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp (CA)

Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.
Consumer complaint received 2019-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I had problems accessing my online banking I had notice that my password and username was changed numerous times and I contacted the bank of America coustmer service due to my checking and savings account showing a over drafted balance and I don't understand that my checking account and savings account was at a negative balance if in my savings account I had {$2600.00} balance and my checking account had a {$840.00} remaining balance but Bank of America coustmer service transferred me to the fraudulent department and they was supposed to dispute the charges and send me new debit card and due to my vehicle be stolen and my personal laptop was in the vehicle all my online banking was in my laptop and whoever stole my vehicle had access to my on line banking and cleaned my accounts out and stole my wallet so I was able to I was waiting for a debit card and never received one but I deposited a check into my account since I'm my brothers payee and they told me I have to add my brother on bring in two verification forms showing identity so I went in with my relative Brother XXXX XXXX and since I didn't have valid Identification Card ( ID ) the lady that was speaking to me told me come back when I get my identification card ( ID ) so time pass and I come showing a paper that I applied at Department Motor vehicles for renewal of my Identification Card ( ID ) and I was told my account was being closed my checking account and savings account I ask representative for what reason they said because I didn't add my relative on my account on time so practically I never was refunded my remaining balance that was in my checking account and savings account and I feel that that's not right and they lady told me that both accounts had no funds that on my online banking money was transferred I'm like how I was told no one can touched my online banking savings account and checking account unless we go into the branch office and show proof of identification card ( ID ) so I feel I was treated unfairly and want to know why both my checking account and savings account was closed and I never got my money savings account {$2600.00} and checking account {$840.00} and I will let social media know how I was not treated unfairly and to not trust bank of America because for me trusting bank of America my accounts was left at a negative overdraft balance and my funds was removed online and bank of America did not protected my accounts
Consumer complaint received 2019-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

I opened an account in order to get an online loan, I got approved but then realized it was a scam and called the bank less then 12 hour of the transaction., No withdrawal had taken place yet and told the bank i though it was a scam and to cancel the transaction and to lock the account completely. They locked the acct and they returned payment as far as I know then I received a substitute check that said to use as if it were the orginal., I thought cool it must of been good so I went and redeposited it they gave me some more money I think {$55.00} and then I never received any information of it not going through or anything. I assumed it was in my acct until today when I seen on my Equifax report a new collections.. for {$100.00}
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (CA)

On my credit report it states that i have an outstanding balance of {$2000.00} owing to XXXX University from the time i was enrolled in early XXXX. I have sent them multiple letters and proof showing that the stated amount was paid by my financial aid and yet they still refuse to fix my credit report and every time i dispute it they confirm that it is correct .Ability Recovery Services, LLC XXXX Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Educational ; Client XXXX University XXXX Amount {$2000.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$2000.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX , XXXX XXXX PA XXXX : ( XXXX ) XXXX Department of Education XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Balance {$2100.00} Amount {$2100.00} Items As of XX/XX/XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (NY)

I faxed over the documents about this account the car is still reporting on my credit. I since then had XXXX XXXX XXXX. I cant keep going through this I want this car off my credit.I never had a XXXX. I have serious health problems. I am getting the run around. I really need this removed and its hurting me severally. Everytime I think about this my XXXX hurts. Please. They ignore me I can barely breathe less to deal with this. please help
Consumer complaint received 2019-11-04
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (CA)

Have a Reverse Mortgage with Reverse Mortgage Funding since XXXX. Beem inmy home since XXXX and this year is the first time we were not able to pay the property taxes we made arrange with the XXXX Collection for the {$XX/XX/XXXX}, XXXX but the Reverse Mortgage Company went ahead and paid it and is giving us 30 days to pay the {$XX/XX/XXXX} or they are going to foreclose on our home I let the Reverse Mortgage Company and Tax Collection know our situation my husband has XXXX this is his second time and we were having financial problems due to the XXXX treatments. 

He was in the hospital on the XXXX of XXXX due to an XX/XX/XXXX XXXX and his XXXX shutting down and he is back in the hospital as of XX/XX/XXXX with low XX/XX/XXXX XXXX rate and XXXX. It is not like we are not trying to pay we were going to pay so much each month. We have lots of equity in our home but they keep changing the rules now they say I have to wait until I am XXXX. 

I feel like this company is being unfair and to the it is all about the money they do not care about people just want them to work with us nit sell our home and put us out on the streets we are both XXXX XXXX and XXXX XXXX XXXX where will we go.
Consumer complaint received 2019-10-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (TX)

I HAVE CONTACTED SPEEDY CASH TO LET THEM KNOW THAT I DID NOT APPLY FOR THIS LON AND IT WAS IDENTITY THEFT A FRAUD ACCOUNT I ASKED HIM TO REMOVE IT FROM MY CREDIT REPORT AND I WAS DISPUTING IT AND THEY'RE REFUSING TO TALK TO ME AND HUNG THE PHONE UP IN MY FACE THEN IN YOUNG MAN ALSO THREATENING OF JAIL TIME IN OTHER LAWFUL PROSECUTION
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: STATE FARM BANK, FSB (SC)

Statefarm and XXXX XXXX has reported information about my husband XXXX without me his legal caretaker. I'm responsible for all of XXXX XXXX legal decisions and there was no official HIPPA form filed for life insurance. I am giving you allowed time to remove frivolous XXXX report. I was not present when forms were signed. My husband was unable to understand statefarms forms. His signature is null and void and I demand you remove XXXX report because it violate all forms of medical laws by leaving it there
Consumer complaint received 2019-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My home equity loan was purchased by Specialized Loan Servicing in XX/XX/XXXX from XXXX XXXX XXXX. They, SLS, have sent me notices claiming that my account is delinquent. SLS has been debiting my payments from my bank account and they have all been on time with no returns. When I call SLS, they refuse to talk to me claiming that they can only talk to my spouse. My husband died in XX/XX/XXXX. This loan is in both our names listing me as co-borrower. Also, the will clearly states that I am bequeathed all of his portion of property, real and personal. As I said, when I call they refuse to talk to me and are extremely rude and evasive. One operator told me I needed to get a lawyer. Another told me that I needed to go to the courthouse. Bottom line is that they refused to talk to me even though the loan is in My Name and would not allow me to talk to anyone for resolution. 

So on XX/XX/XXXX I went to my bank with a friend as witness and they printed up my bank statement clearly showing that SLS had received all my payments. My bank contacted SLS and received the same stonewalling ... 
Then we went to XXXX XXXX XXXX and a bank officer spent 2 1/2 hours trying to contact SLS and to untangle this mess ... He was able to pull up and send to them all the paperwork regarding this loan which had originated with XXXX ... 
Original loan documents from XX/XX/XXXX, death certificate, my spouses will, my bank statement showing payments made to SLS, etc. 

SLS still continues to refuse me access and is now threatening me with foreclosure ... I am a senior citizen who is XXXX XXXX ... Their operators are rude and abusive ... I have often been left in tears ... .Since XX/XX/XXXX several others have heard this abuse as these call have been on speaker phone ...
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (MA)

Is a medical deb from Phoenix financial opened on XX/XX/XXXX it says but I had never been on a er I have health insurance a what happen was I lost my personal paper birth certificate nd never find em who know were the end up this was 3 year ago maybe My concern is did some. One ever. Did find my paper cuz I know for sure I didn go to no er or what ever medical issue was charged
Consumer complaint received 2019-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX a landlord and tenant complaint was filed against me stating that rental monies that i did pay were not received. Once I received the summons I immediately called Bank of America to get answers and alert them to the fraudulent activity. I informed the bank that I paid the money in question from my saving account that I have with the bank using XXXX, which is a money movement company that the bank has partnered with. I spoke with several different departments of the bank from customer service, fraud, non-fraud and money movement ... non of which knew how to help me and after calling the bank numerous times for weeks seemed to want to help me. I placed all payments made through XXXX to the aforementioned party ( the landlord ) under investigation ... the payments are as follows : {$900.00} made XX/XX/XXXX from checking account sent through XXXX {$450.00} and {$58.00} from savings account sent through XXXX I placed all three payments under both a fraud and non-fraud investigation and during the first initial calls I was told I would receive a refund. As time went on I was then told by the bank that money sent through although it is being pulled from a secure FDIC backed account, is not covered by insurance and therefore the bank can not issue me a refund, but instead I must speak to other party involved and ask for my money back Due to the banks lack of ethics and concern for their customers, I was ordered to pay the scam artist another {$450.00}. I find it quite strange and frankly unjust that banking institutions have aliened themselves with a company that does not back Americans money. Yet, they are allowing their own customers to be the bait for scam artist and thieves, without any way of retrieving their funds. I also, find it quite hard to believe that Bank Of America has a corporate office, but does not have a corporate phone number that works and transfers their customers to the corporate office operator. it all smells fraudulent, corrupt and unjust.
Consumer complaint received 2019-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

We made multiple attempts over the last 6 months or so with Freedom Mortgage to attempt to have our PMI removed after we were told we met the appropriate criteria. We were told to email a specific account to receive information for approved appraisal companies. I emailed multiple times and called. I was told it would then be mailed to us and it never was. My husband made our XX/XX/2019 mortgage payment and accidentally typed in the wrong account number. It was processed by never went through. Once we learned of the mistake we made the payment by XX/XX/XXXX. Unfortunately, my credit score dropped by 97 points. It was an honest mistake and we have never been over 30 days late on our  mortgage payment before. I would like to have it taken off of our credit report. Additionally, I wanted to see the PMI removed but now that we had this missed payment that wont likely happen. We are looking for any help we can get in this situation. Thank you
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (FL)

To Whom It May Concern, I bought a cruise ticket of XXXX XXXX XXXX XXXX XXXX XXXX ( promoted as XXXX cruise ) from XXXX XXXX XXXX ( XXXX ) for {$990.00} on XX/XX/2019, which was scheduled to sail to XXXX, XXXX, because I wanted to visit XXXX on cruise. But two days before departure, XX/XX/XXXX, they informed us that they are not going to XXXX but to some unknown private island instead. Then I contacted XXXX immediately and told the XXXX representative that what I wanted and booked is a cruise to XXXX not to some private island. I wanted to cancel my trip and get refund. But he did not allow me to cancel even though the cruise lines policy gave all the passengers of cruise going to XXXX the option to cancel and get full refund. I told them several times that I wanted to cancel the trip and get a refund. Then I called my credit card company, XXXX XXXX, and told them the story and they did a chargeback. I did not go to the cruise. About one month later, XXXX sent me a collection letter in the amount of {$1400.00} ( I have no idea how {$990.00} had become {$1400.00} ) in the name of Fidelity Information Corporation, which listed the same address of XXXX, basically stating that I do not know where this debt {$1400.00} comes from. If they report it to a credit bureau ( or have already done so ), please indicate that it is disputed. I sent this letter by certified mail but it was returned as Return to sender attempted not known unable to forward. Today I found out that they reported to credit bureaus, at least TransUnion. 
When I booked the trip I just give the representative my credit card number. He did not give me any their policy and we did not sign any contract or agreement. I did not provide my SSN. 
It is ridiculous. They were not able to provide the service I booked ( cruise to XXXX XXXX so I canceled the trip and did not go. The credit card issuer did a chargeback for me. How could XXXX try to collect {$1400.00}, {$450.00} more than {$990.00} ( I have no idea where this comes from ) and reported it to credit bureau ( s )? They did not even say where this {$1400.00} comes from and why I owe them this sum of money. Are they allowed to do that? Can they just make up a sum of money at their will and send you a collection letter and report to credit bureau without any evidence? It is legal? If not, should they be punished accordingly? 
Thank you. 

Best regards. 

XXXX XXXX