davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

Diagnosed with XXXX on XX/XX/XXXX and out of work since the Massachusetts XX/XX/XXXX shut down. I notified my mortgage company of my situation in mid XXXX and asked for relief on the following months ahead. I was explained how they would not report any late payments to the credit bureau and couldn't help me because im current on my payment. I called back on XX/XX/XXXX and they told me that i was not on that program and I had to call again to have it put in place, but there was nothing they could do because i was current on my payment. i got the stimulus check and payed XXXX mortgage. I called XX/XX/XXXX to talk about how i could not make XXXX payment, again i was told there is nothing they can do because im current. I then called on XX/XX/XXXX, and I am now late with my payment. I was then told they would send me a letter with my relief options in the mail, in about 7-10 business days. i received my tax return back and payed XXXX late. its now XX/XX/XXXX and i haven't received any letters from them. So i called and explained the back story and now they told me that there is nothing they can do because im current on my payments and no letter was sent out and that there are no relief options.
Consumer complaint received 2020-06-19
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: TRUIST FINANCIAL CORPORATION (TX)

Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all 2020. 

The 1st done on XX/XX/2020 is from XXXX? 
2nd XXXX- XX/XX/2020 3rd XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I was lead to believe that I was going to create my own landscaping business with a business that was being advertised on XXXX called " XXXX in XXXX. '' The people I spoke to made it seem realistic with all the information they spoke and the forms they asked for, they even walked me through the process for filing these forms that included sensitive information about my person. 
Throughout XX/XX/XXXX XXXX XXXX they asked for my social security number, my address and about {$5000.00} in checks to be sent to them for liability/disability insurance for my " company. '' In three different amounts that added up to the {$5000.00}, I sent the checks from 3 bank branches ( Chase, XXXX XXXX, and XXXX  XXXX XXXX ) to these people that where promising my XXXX  business. Once the money was sent and the business partners received it, they were no where to be found in regards to cell phone calls, text messages, and in person interactions. I never had a chance to see these people face to face or XXXX, it was always through phone call or message before they stole my money. 
Immediately I frantically called all three banks to tell them what has happened and if they could help me but none of them did. I bank with Chase and they either never answer or deny to help. XXXX XXXX says since I am not a XXXX XXXX banker, there is nothing they can do to help me either, the same goes for the response XXXX XXXX XXXX. After many attempts of trying to get their help, they show no interest for my situation and how they sound through the phone is even worse.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (VA)

On XX/XX/XXXX, I noticed I received a collection letter from Credit Control , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Consumer complaint received 2020-06-18
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. (PA)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

Apple card by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. Had this transaction Transaction date : XX/XX/2020 Merchant name : XXXX  XXXX XXXX XXXX  Disputed amount : {$740.00} Wich, I did not make nor authorized. This was credit back in the account, however months after charged again and now shows in my credit report as derogatory. I no longer have an apple phone and am unable to see statements online nor never received any mail regarding this. Apparently, the only way to view would be using an XXXX.
Consumer complaint received 2020-06-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

The Loan Mart lied to me and did not disclose the interest rate or fees on the loan when I obtained the loan. Nor did they disclose it after several times of asking them. When they finally did after several months it was 122 % added daily. They would not give me copies of the loan papers either. I tried several times to work this out with them, when they agreed after many many negotiations to lower the interest rate and charge me a still somewhat high interest rate, and the original loan amount, they once again lied and tried to snooker me again. They sent me new papers to sign which was at a higher interest rate than we agreed upon, and they added XXXX to the loan amount! 
I did not sign these papers. These people are liars and cheats. They have cost me so much money, and time, and frustration. 
I was willing to work with them on a reasonable basis, but they just kept lying and trying to cheat me.
Consumer complaint received 2020-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter to Transunion on XX/XX/2020 to dispute 4 items on my credit report. The items are either inaccurate or unverifable. It has now been 50 days and Transunion has not replied to my dispute and/or deleted the items from my credit report. This is a violation of the FCRA 's time frame.
Consumer complaint received 2020-06-20
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: CarMax, Inc. (AR)

I RECENTLY TRIED TO BUY CAR FROM CARMAX, I AUTORIZED THEM TO PULL THEM AND XXXX  XXXX XXXX XXXX TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD XXXX XXXX DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM XXXX  XXXX AND 1 FROM CARMAX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY XXXX.
Consumer complaint received 2020-06-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (CA)

There appears to be a RESPA violation with XXXX XXXX of XXXX XXXX XXXX XXXX out of XXXX requiring all potential buyers of her listing to cross qualify with XXXX XXXX of Cross Country Mortgage. Upon research by my agent, it has been discovered this has been going on since 2014 on her listings. Since this appears to be directed by the listing agent, and not the seller as it would appear to be too coincidental that all of her sellers would be recommending a cross qualification with XXXX XXXX without the solicitation of XXXX XXXX, that there is something going on behind the scenes whether it be a kickback, or promise of business, or even financial consideration. I was required to cross qualify and after our offer had been accepted XXXX XXXX came back and said he did not like our buyer 's ability to obtain financing. At this point the offer was already accepted, and XXXX XXXX at the direction of XXXX XXXX breached our contract by having her seller 's sign a unilateral cancellation. It appears the relationship with XXXX XXXX also is in place to try and find loop holes in case better offers come in, something which does not work in California in regards to fully executed real estate contracts. Because of the relationship with XXXX XXXX, XXXX XXXX and their preferred escrow XXXX XXXX, the contract is stalled until further action is taken. I am approved and ready to go with XXXX XXXX, and buyer 's can not be forced to obtain financing through a specific lender.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I was behind in payments with XXXX XXXX. The account became 120 days delinquent and they reposed the car at that time. I called the same day that the car was reposed to see what my options were. They explained the process and how much it would be to get my car out and we set up a new payment plan with a new payment date. They still continued to report my account as delinquent to the credit reporting companies even tho I entered into a payment arrangement and made my payments since on time every month.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Hi BestBuy, how are you? I love you guys, but i don't know what happen between XXXX to XXXX with the payment. I just opened this account back in XXXX and i been paying on time. I have to be honest that I was shocked when I reviewed my credit report and found late payment mark on my credit in XX/XX/2020 during this COVID-19 pandemic especially when i been laid off for like 4 months now. 

Basically, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have found that XXXX XXXX XXXX  have privilege and knowledge of my medical information to which places you in direct violation of the HIPPA act and regulations of 1996. In review, I have never signed a HIPPA form authorizing you ( XXXX XXXX XXXX ) to have access to any of my medical records, files or information. Therefore, I am advising EQUIFAX that I intend to pursue filing a legal complaint with the U.S. Department of Health and Human Services. I am also requesting that you remove any and all negative reporting of this matter immediately or I will be forced to pursue legal means by and through my attorney XXXX XXXX. I also sent via certified mail to XXXX XXXX XXXX  the same. Letter attached.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (NC)

I was contacted by a recruited for a program/ job opportunity through the University XXXX XXXX XXXX I was told if I did the program then I was eligible for hire through various companies. After researching the school further and discussing with colleagues they said the school wasn't accredited for the program I was enrolled in. Thus, I never attended any classes and unenrolled immediately after. I have disputed this account on all three of my reports for years because they tried to even send me a refund check in the mail -- that I did not cash. now fast worded to this year it is still reporting and negatively impacting my score -- they have a lawsuit with the FTC for falsely posting programs for potential hire. I've disputed with their office and they say even though I didn't attend classes I'm still liable for the debt -- so I've settled and I've still been given the runaround about this. I would like this deleted off my report as this should have been covered under the FTC lawsuit.
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX I opened a dispute with TransUnion. In that dispute TransUnion was asked to verify/validate an account. The account in question is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX. In accordance with federal law and FCRA guidelines ; TransUnion was given 30 days to validate/ verify the account or had to be removed. At this point TransUnion has fail to comply with FCRA guidelines and has not verified, validated or removed the account.
Consumer complaint received 2020-06-18
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: JPMORGAN CHASE & CO. (CA)

There are inquiries from XXXX, XXXX, & Jpmcb Auto on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millennium Credit Consultants Inc. (KS)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office,
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

I have attempted repeatedly to phone the company that has appeared on my credit profile damaging my ability to obtain credit for my business. No one ever answers. I get a recorded message that states to leave my name and number due to COVID 19. I never received service from the original creditor, nor have I received a bill or statement from either the original creditor listed or the collection agency. Date 1st reported XXXX and updated XXXX for the amount of {$1200.00} by Midwest Recovery Systems, LLC via XXXX XXXX XXXX XXXX. I have been trying to validate the debt unsuccessfully.
Consumer complaint received 2020-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (KS)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Consumer complaint received 2020-06-18
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 (CA)

There are inquiries from Syncb/XXXX, XXXX, & XXXX XXXX   on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.
Consumer complaint received 2020-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (MI)

Good Afternoon, I've came across this article : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ And I'm inquiring about more information about it because I have two student loans from XXXX  XXXX student Loan that I've been sued to pay. I've been paying on the loans for about 5 years now. I'm also inquiring to see if I'm one of the 800,000 accounts that are being audited? God I hope!  Please help.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

To Whom this may concern, While reviewing my credit report on ( XX/XX/20 ), I noticed an incorrect and fraudulent collection account from ( Enhanced Recovery ). I do not have an account with Enhanced Recovery and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from ( Enhanced Recovery ) I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor XXXX XXXX I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a wire transfer from overseas from someone that I offered a service. That person transfer wired me money, I made the shipment of the goods they needed and after that they went to their bank and asked for their bank to retrieve that bank wire. Bank of America put my account on hold for 2 weeks, and now they decided to close it, but they never said that they would give me my money back.
Consumer complaint received 2020-06-20
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. (NH)

I submitted to Equifax that an account was not mine ( XXXX XXXX XXXX ) they said it was and kept in report I again submitted complaint no still there I then called and told them I have never used that company before, they insisted it was my account, they also refused to remove accts the were closed past the Florida Statute of Limitations and I read that State statute overruled reporting agencies the acct was closed and reopen by a collection agency ( XXXX XXXX ). Can you please help me get these off my report
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including twXXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY XXXX