davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
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. (GA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Equifax XXXX account XXXX is being reporting inaccurately by Equifax and entire credit history need to be updated to show paid as agreed on time. Equifax didnt correct this report to report the accurate late payment history and now this is false reporting by Equifax. If Equifax cant furnish documentation directly from Freedomplus proving I was 30 days late consistently on the dates reported the entire late payment history needs to be updated to show paid on time never late because of false reporting by Equifax. False reporting of this account by Equifax is a violation of the FCRA requirements. 

Equifax didnt report the notice of dispute with this account after my first dispute this is now a violation of the Fair Credit Reporting Act requirements by Equifax for not reporting the notice of dispute.
Consumer complaint received 2021-04-25
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. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Consumer complaint received 2021-04-25
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or the company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that FAIR COLLECTIONS & OUT absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Hi, sir. My name is XXXX XXXX XXXX. I'm XXXX XXXX XXXX and United States Rasident. Paypal closed my account for no reason and i don't know how to fix the problem. I believe something i did was wrong but without any reason or without any warning they closed my account with XXXX XXXX dollars in this Pandemic. I don't know how to reach them and release my account but i know CFPB can help me. Because they aren't doing the right thing by closing my account Without any reason and holding my money for XXXX XXXX. And i need this account badly. Please help me Out. I know something i assume was wrong but please i beg pardon and mercy for my account. My Paypal account name is XXXX XXXX XXXX and Email of the Paypal is XXXX. Thank you so much..
Consumer complaint received 2021-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (PA)

CMRE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX CERTIFIED XXXX RECEIPT # XXXX XXXX : Dispute of alleged balance ; Account # : XXXX XXXX XXXX Dear CMRE : You are reporting and attempting to collect an alleged $ [ 41,675.00 ] balance. Attached you will see through my complaint from the CFPB that you stated this would come off of my credit. You have held up my attempts at obtaining credit for myself and family. Accelerate your means of removing this off of my Credit report. Please be advised that I dispute the legal validity of the alleged balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies. Write or email me once to confirm your compliance with my demand within 14 days. This letter is as a complaint to the Consumer Financial Protection Bureau XXXX CFPB XXXX. The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue. 

Sincerely, XXXX XXXX ( P.S. Please see attached copy of my ID and proof that it still on my credit. ) Email : XXXX XXXX : XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX
Consumer complaint received 2021-04-26
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. (PA)

For the last 45 days, I have been reaching out to XXXX XXXX XXXXk regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Total title fees charged for XXXX XXXX 's, Loan Depot 's affiliate third-party, services increased by {$300.00} over the amount provided in the loan estimate disclosure. The additional {$300.00} represents a 42.3 percent increase over the initial disclosed amount. There were no changes in to the loan terms XXXX loan amount, interest rate, term, down payment, nor cash to close XXXX. The increase is in violation of RESPA. 

Title 12 Chapter X Part 1029 ( Regulation X ) requires that loan estimates be provided in good faith. Section 1026.19 ( e ) ( 3 ) ( ii ) details circumstances and limits for which charges for a third-party 's services or a recording fee can be increased. Because there were no " changes in circumstances '' the increase in fees is in violation of Federal regulation.
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (MN)

I don't believe this lender is licensed to lend in Minnesota. I took out a {$300.00} loan and the finance charge on this loan is {$670.00}. They will not honor my ACH revocation that keeps debiting my account. They say that MN law doesn't apply to them because they are using the tribal lender excuse. I believe this lender is illegal.
Consumer complaint received 2021-04-26
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. (GA)

This is my second attempt as I asked before to make investigation of these accounts however you failed. I do not want to see someone else accounts in my profile. Its difficult for me as my financial life depends on my credit report. However due to the fact that someone used my personal information, now I have these unknown accounts in my credit report. PLease help and remove them from my profile.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My loan was transferred from Specialized Loan Servicing to XXXX. I was not aware of the transfer until I got a notice from XXXX regarding hazard insurance. My first loan payment, I thought was due to SLS XX/XX/2021. I paid and it went through. I got the letter from XXXX about hazard insurance at the end of XXXX and thought it was spam. In the beginning on XXXX I was trying to pay my mortgage payment with SLS over the phone and got an automated message that my loan was transferred. The next day I called XXXX and they confirmed the loan was transferred to them and I was to pay them for XXXX and XXXX. I explained that I already paid XXXX through SLS and paid XX/XX/2021 to XXXX. I called SLS again to get them to transfer the payment to XXXX per the transferring of the loan. The first representative stated that the loan would be transferred within 7-10 business days. I followed up and called XXXX XX/XX/2021 to see if the payment was transferred and it was not. I followed up with SLS after on the same day and this new representative told me that the payment was transferred when the loan was transferred in XXXX and that I would need XXXX to investigate their payments to find the one for my account. I then called XXXX and they searched to see if any payments went through that were not yet associated to my loan, and there was none. I was then told SLS needs to investigate. I then called SLS and another rep they told me were not going to transfer the payment it was already applied to my loan through them since the loan was still with them the date of payment XX/XX/2021 and my loan was transferred XX/XX/2021. I called XXXX to explain and they said the loan was transferred in XXXX. I then called SLS to request documents/ records to prove so I could send to XXXX . This is what really makes me upset, SLS told me they did not have any records or documentation for my mortgage loan as they sent it all the XXXX when the loan was transferred. Furthermore, I tried two separate times with two separate representatives and asked to speak to a supervisor or manager or for the call to be escalated to someone who could get me the records. They would not transfer me to anyone higher up and stated they would put in a request for a supervisor to contact me within 72 hours. I asked if they could give me confirmation of the request or some way to know when I could expect this call and they said no. I then called XXXX again extremely upset that my mortgage transfer got so convoluted and no one could give me any answer as to why both companys are claiming that the transfer date is different and somehow XXXX still thinks I owe for XXXX, even though SLS told me the XXXX payment I made already went towards my mortgage loan. SLS should be sued, and I just might consider legal representation against them if they do not sort out where one of the companys went wrong in transferring my mortgage loan.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

On XX/XX/2021, my mortgage was transferred ( sold ) to Nationstar dba Mr. Cooper. On Saturday, XX/XX/2021, the new mortgage servicer ( Nationstar dba Mr. Cooper ) withdrew {$12000.00} from my primary checking account without authorization. According to my bank ( XXXX XXXX ), this is a widespread problem affecting lots of Nationstar Mr. Cooper account holders. Unfortunately for me, thanks to Nationstar Mr. Cooper, I now have a negative balance in my checking account of over $ XXXX that I have to deal with. I'm reasonably sure that there are laws that don't allow debt holders to withdraw funds without authorization, which is exactly what happened here. Please note that I am current on my mortgage in all respects : No late payments ( ever ). Plenty of funds in the mortgage escrow account, etc. All taxes and insurance premiums are paid up, etc. No other liens are on the property. My standard monthly payment is just under {$1900.00}. So needless to say an unauthorized and unexpected withdrawal of {$12000.00} from me to Mr. Cooper warrants a complaint and an investigation.
Consumer complaint received 2021-04-26
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 delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. I have attached a copy of an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom it May Concern : I am writing regarding a business checking account with Bank of America. This is now the second time that checks have been put on hold, for vague reasons on Bank of Americas part. This time, we received a letter from the bank explaining A hold was placed on your check ( s ) because check specific information indicates item may be returned.

We deposited checks from this customer a few weeks ago, and the checks were put on hold. They eventually cleared after the bank decided to hold them, also for vague, and multiple different reasons. It is counterintuitive that checks from the same customer would be held again. Especially in light of the account never having experienced bounced checks before. 

I feel as if the bank of targeting this account for some reason. I spoke with a representative last week, regarding a different account, and I was told that Bank of America has experienced a lot of fraud lately. This can be understandable in light of COVID-19 and its economic impact. However, I can not understand why this account would be targeted for check holds when it has never experienced this type of fraud to begin with. Just because there is fraud with other accounts does not mean that small business owners across the board should be looked at. 

If the law allows such a vague reason as specific information indicates item may be returned as a legitimate reason to hold a check, then a veil has been created for the bank to hide behind, without much accountability. 

In the meantime, we will be searching for banking alternatives.
Consumer complaint received 2021-04-26
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 (FL)

Bank of America keeps sending me an email from time to time asking me to pay an amount I do not owe. 

Around the beginning of 2019, I got a call from them asking me about a massive overdraft on a checking account that was not in use for a while, I advised them those transactions were not made by me and therefore were unauthorized charges, they said it should all be okay then. 

After a while I still received a notice from them to which I reacted and called them to very why was I being charged all this money on an account I wasnt even using, they said fraudulent checks where deposit and cashed out of my account and that they were investigating but I shouldnt be concerned if it wasnt me, so I forgot about it. 

Then I recently logged in to my old email account where I found a monthly email from them about this. I do not owe this money and have no idea what kind of scam this is, so I figured a complaint would be my only option now. 

Please see below the email they send me. 

Account number ending in : XXXX XXXX XXXX : This is a reminder that your deposit account has been charged off after being overdrawn for several months. The total amount due is {$6100.00}. 

Youre still responsible for paying this amount in full. 

What you need to do You have several options for paying the amount due : Call us at XXXX, Monday through Friday XXXX XXXX  to XXXX XXXX. XXXX to pay by phone. 
Make a payment at a nearby financial center. 
Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. 

We're here to help We appreciate the opportunity to work with you to resolve this issue. If you have questions, please call us at XXXX, Monday through Friday XXXX XXXX to XXXX XXXX. XXXX. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-24
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: EQUIFAX, INC. (IL)

To Whom It XXXX Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they may have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. Investigation was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXX BANK XXXX XXXX Account no. XXXX XXXX. BANK XXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXX, XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : XXXX.
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (PA)

UNIFUND DEBT COLLECTION AGENCY SOLD AN ACCOUNT IN YEAR XX/XX/2006 BELONGING TO THE WRONG MAN! A XXXX XXXX XXXX XXXX BANK ACCOUNT!!! THAT WAS NEVER MINE XXXX XXXX. XXXX!! TO A DEBT COLLECTION ATTORNEY BY THE NAME OF A XXXX XXXX XXXX IN XXXX PA!! I AM REQUESTING A LETTER ASAP FROM UNIFUND STATING THEY SOLD THIS ACCOUNT BECAUSE OF THEIR HUGE GINORMOUS ERROR!! I PAID A STEEP HEFTY PRICE OF NEAR {$19000.00}!!! BECAUSE OF THEIR PURE NEGLIGENCE AND CARELESSNESS!! SELLING OF DEBT ACCOUNTS ON A SPREAD SHEET OF NAME SIMILARITIES AND VARIENCES! I HAVE NEVER HAD ANY CREDIT CARD ACCOUNTS IN MY NAME SOLD TO ANY DEBT COLLECTION AGENCIES EVER IN MY LIFE!!
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (DC)

I am looking to purchase a new home so my credit was pulled on XX/XX/2021. Prior to this I never received any written notice from the collection agency. They popped up on my credit report on XX/XX/2021. The credit line amount is {$1500.00} and the amount they stating now is {$2100.00}. The debt is over 7 years old. I am looking forward to the agency to remove this from all credit bureaus asap. I reached out to make a settlement with the agency, because this is preventing from purchasing a home, but they was not welling to work with me. thanks