davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

I called the customer service phone number for XXXX XXXX to request a refund for services, but unfortunately the number connected me to a scammer. The scammer tricked me into believing they had deposited excess money ( by transferring money from my savings to checking without my knowledge ) in my checking account which I then had to return to them by wire. They stated to return it to a person associated with XXXX as they could not give me the XXXX account information. 

I realized what had happened within XXXX hours and called M & T to discuss the issue. The fraud investigation I initiated provided little information and I was told to get subpoenas from the police ( in process ) for additional information ( such as the timing of the movement of the money ). No written fraud report was provided to me, but the sheriffs detective did report some details verbally ( see attached document ). 

I also provided M & T a letter ( on the advice of the detective ) documenting why I did not feel they performed their due diligence at the time of the wire transfer and the text of this letter is attached under documents. I have not yet had a reply to this letter, though my contact by phone is the M & T Employee XXXX at XXXX
Consumer complaint received 2023-11-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (FL)

XX/XX/23 i recieved an email from from an attorney saying I owed XXXX in late fees from XXXX XXXX, Florida, XXXX XXXX, on XXXX XXXX. I tried asking for an email of the receipt and contract alongside policies of the company but I was told there was nothing except a late fee. I contacted Amped fitness in regards to the late fees but was told that I did sign a contract to cancel my membership but that my final fee was never paid. Therefore every month I was being charged as if i was still a member while also not being allowed on the premises. I asked for all the paperwork to be emailed to me but the manager refused and stated it was company policy and that I had to pay the due or else my credit score would be damaged and that I would be sued. The call happened on XX/XX/23 XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (CA)

Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-03
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Student Loan Financial Assistance (SC)

Today ( XX/XX/2019 ), I received a voicemail from a representative ( identified herself as " XXXX XXXX '' ) who presented herself as being affiliated with the federal student loan services and had updated information about my defaulted loans. I returned the call, which was answered by " XXXX XXXX '', he said " XXXX is busy but I can assist you! ". He proceeded to tell me that they were able to offer me an income-based loan repayment plan and described how it works. He asked me some " identity verification '' questions, which seem legit at the time because I believed that I was speaking with someone legit. He said that I would not have a loan payment due for 90 days, but then described 3 monthly payments of {$190.00} as a fee. I did not realize what was happening at first, it seemed like a wonderful opportunity and I was caught up in the joy of getting my credit repaired and taking care of my debt with reasonable payments. It was not evident that I had been taken advantage of and scammed until I received an email stating that my password for my federal loan account had been updated. It turns out that the man on the phone, without my knowledge and without my consent, had used my information to reset my password and access my account information. I called back to the direct line that XXXX provided and it was answered by a man named " XXXX '' who said " XXXX is busy but I can assist you! '' I told him I have spoken to enough people and I want to speak to a supervisor. He put me on hold, came back on the line a few minutes later and said he had put a hold on the transaction until XXXX could call me back. I told him I want a supervisor and he then said he would have XXXX call me and disconnected. XXXX called me a few minutes later and assured me that their company ( Student Loan Financial Assistance ) was affiliated with the department of education and were an approved loan servicer, but he did as I asked and cancelled everything. I received the email confirmation minutes later.
Consumer complaint received 2019-05-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (AL)

On XX/XX/2019, I signed a 'Borrower 's Authorization emailed to me by a Ms. XXXX XXXX of New American Funding who stated to me that my credit score was high enough to obtain a {$120000.00} mortgage. All was well until Ms. XXXX informed me that she would be handing me over to a Mrs. XXXX XXXX, of the same lender but located in the state where I reside, Alabama. Ms. XXXX informed me that All documentation asked for was uploaded by me and that I would have to inform Mrs. XXXX my realtor 's logistic information and that he/she would have to inform Mrs. XXXX of the home I was interested in and the amount of the home. On XX/XX/2019, Mrs. XXXX and I finally spoke over the phone with me asking if she needed any additional information in order for me to obtain the mortgage, she said she'd received the application from California and Ms. XXXX and she would go over it and get back to me. On XX/XX/2019, Mrs. XXXX sent me an email requesting I have a cosigner for my mortgage, another application for my cosigner to fill out she asked him over the phone, would it be okay to pull his credit, he agreed. When I emailed Mrs. XXXX information about low-income borrowers, ( DTI ) ratios, down payment assistant programs in our State, Mrs. XXXX commenced becoming angry, sent a demeaning email to me about FICO scores, my ( DTI ) ratio is okay but that my cosigner 's middle credit number was too low, and then at the end of her email she said that the company lenders Would Not Be Able To Offer Me A Mortgage. I feel that Mrs. XXXX XXXX XXXX was committing a " racially restrictive covenant on deeds to keep people of XXXX from buying homes ''. I thought the U.S. Supreme Court Banned Housing Discrimination in All States Including Alabama.
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX My account for XXXX was hacked and a fraudulent charge was made for {$720.00} using debit card information saved on the app ( which is password protected ). I called Chase bank about an hour after the charge to let them know a fraudulent charge was made. They then credited my account the amount missing. After they made a chargeback claim with XXXX  XXXX disputed it ( even though I also XXXX that my account was hacked and a fraudulent charge was made on XX/XX/XXXX via e-mail ) and won. Once Chase was notified that XXXX found the dispute in favor XXXX and on XX/XX/XXXX they took the credited money out of my account without notifying me in anyway. I found out because when I went to a gas station to make a purchase my debit card was declined. I then called Chase bank back on XX/XX/XXXX and was told by their claim department that if I sent more info showing that my XXXX account was eg : emails to customer support, that they could further fight the dispute. After faxing over requested information I heard nothing back, and the person at Chase assigned to my claim said that there was nothing else they can do after sending them more information proving my account on XXXX was hacked and the {$720.00} purchase was fraudulent. I then let them know they released funds without my written consent and took back a credit to my account without written notice. Chase bank suggested I contact the CFPB if I feel I was wronged. Attached are portions of my bank statements screenshotted to show the relevant days money was taken from or credited to my account.
Consumer complaint received 2019-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

To Whom It May Concern, I am writing to demand the immediate blocking of certain items that have been inaccurately reported on my credit weed report due to identity theft, pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) .I have previously submitted an identity theft report, including a detailed Federal Trade Commission ( FTC ) Identity Theft Affidavit, where applicable, a police report. Despite these efforts, there seems to be a delay or refusal to block the fraudulent information from my credit report.

The details of the disputed accounts are as follows : DISCOVER BANK account number XXXXAccording to the FCRA, you are required to block the reporting of this information within four business days of receiving my identity theft report and to promptly notify the furnisher ( s ) of this information that it has been blocked due to my status as an identity theft victim.Despite having a payment history, which is a point of contention, these accounts are not mine, and the existence of payment history does not validate the fraudulent nature of the accounts nor should it prevent the application of my rights under the FCRA.Enclosed with this letter, please find copies of : The FTC Identity Theft AffidavitThe police report and proof of my identity. Failure to comply with the FCRA can result in legal consequences, and I am prepared to take further action if necessary to protect my rights.Please send me written confirmation that the information has been blocked and provide me with an updated credit report to my address listed above.I trust that you will treat this matter with the urgency and seriousness it warrants. You may contact me for any further information or verification at the phone number or email address provided.Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX # XXXX. HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (NY)

In the state of New York, foreclosure and sale can not take place without a valid notice of pendency being filed and indexed. See ( RPAPL XXXX ). 

PHH Mortgage knowingly proceeded with a foreclose sale soon XX/XX/XXXX, without having a valid notice of pendency. PHH Mortage was provided with Notice of Error letters pertaining to the invalid notice of pendency with verifiable evidence. 

A notice of pendency was in this matter filed on XX/XX/XXXX, then it later expired without extension on XX/XX/XXXX. A notice of pendency is filed in XXXX XXXX where the realty is situated ( see XXXX XXXX ) and is only effective for XXXX ( XXXX ) years from the date of filing ( see XXXX XXXX ). 

The extension, however, [ m ] ust be requested prior to the expiration of the prior notice. PHH Mortgage did NOT make a request to the court to extend the notice of pendency that was filed on XX/XX/XXXX, which was required prior to the XXXX ending period. 

PHH mortgage allowed the notice of pendency to expire by operation of law. ( See CPLR XXXX ). The statute is clear that an extension of notice of pendency [ m ] ust be applied for, granted, recorded, and indexed before the expiration of the prior three-year period. ( See CPLR XXXX ). That was NOT accomplished here. 

XXXX XXXX requires that a valid notice of pendency be filed at least XXXX days before a final judgment directing a foreclosure sale is rendered, and it is a prerequisite for a valid judgment and sale. There was no valid previous filed notice of pendency in effect when the XXXX of Foreclosure and Sale was entered on XX/XX/XXXX, and to date, this fact still remains. 

XXXX XXXX requires that a valid notice of pendency be filed at least XXXX days before a final judgment directing a foreclosure sale is rendered, and it is a prerequisite for a valid judgment and sale. That was NOT accomplished here. 

In the state of New York, foreclosure and sale can not take place without a valid notice of pendency being filed and indexed. See ( RPAPL XXXX ).
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

These accounts CONTAIN FRAUDULENT, identity Theft related CHARGES. That I repeat, were already also completely DISMISSED in Massachusetts Courts in early XXXX ( see MA Court dismissal docs in this package ). 
Furthermore, the consumer protection law/s require that ALL THESE FRAUDULENT CHARGES ( AND INTEREST! ) BE OVERTURNED AND REMOVED from ANY and ALL consumer credit bureau reporting attached to my name. These fraudulent debt totals that XXXX XXXX XXXX have been reporting and continuing to ruin my credit with, ( now XXXX MONTHS AFTER ALL CASES DISMISSED (?? ) ) ... ARE REQUIRED TO BE OVERTURNED BY LAW, as they ARE NOT MINE! Please comply with the law or you will leave me no other choice than report these to ALL banking authorities AND if necessary, to file a lawsuit against XXXX XXXX and will seek damages for not only these violations, but also ALL other MANY violations of consumer protection laws. Please see files and evidence attached. Thank you.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

When I received my credit reports from XXXX, Equifax, and XXXX, I realized that my mortgage loan payments with XXXX XXXXXXXX XXXX does no appear in XXXX ; in Equifax it appears as a closed account, and the XXXX report the only one that reflects my mortgage loan payments with XXXXXXXX XXXX XXXX
Consumer complaint received 2019-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

Fedloan refuses to tell me how many payments I have made that would count towards my Public Service Loan Forgiveness ( PSLF ) program. I received a letter in XXXX of 2018 letting me know that my employer qualified for the PSLF program and that they would contact me within 6 weeks regarding how many qualifying payments I have made. It's been a year and they still haven't completed their " audit ''. Every few months I call and they give me the same answer : " It hasn't been completed ''. I've been patient and understanding but I refuse to wait any longer. I suspect that they are attempting to find a way to discredit many of my payments that I have made over the past 6 years. I am losing sleep over this and want a resolution.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never lived at this address.
Consumer complaint received 2019-05-05
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. (IL)

Third complaint against TU as they still have not resolved the issue. In XX/XX/2018 a lender made an error in processing a payment and reported us 30 days past due. After the error was discovered and cleared up, the lender submitted updates to change that payment status. TransUnion for some reason processed this as a second account from this lender with the same account number, one appearing with the past due from XX/XX/XXXX and the other showing the correct payment history. This has been disputed with TU multiple times. Each time, they correct the issue, and then the duplicate account appears again. This does not happen with any of the other credit bureaus. This results in a late payment appearing, along with the outstanding balance and monthly payment due being double-counted. I have submitted yet another dispute with TU, but believe this needs to be escalated so that they can fix whatever problem they have processing this particular account. In the response to the last complaint TU said they would take steps to insure this was not reported in error again, but that apparently has not happened.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovis (MS)

XXXX  is reporting two accounts for XXXX XXXX XXXX XXXX. This company is XXXX XXXX. Ive sent XXXX  notification that the creditor has requested that those items be removed from my credit files. XXXX is still reporting both of these accounts. I am filing this complaint as another way to give XXXX   the documentation showing that they should delete both accounts from my reports. I also attached an additional dispute letter. Please review the disputes. I faxed the same documentation to XXXX  but Ill resubmit in this complaint to make sure its received.