davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via XXXX and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with XXXX. XXXX deducted {$530.00} from our XXXX account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to XXXX. On XX/XX/18, XXXX notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from American Coradius International LLC, dated XX/XX/18, that XXXX sent our balance to collections. We never received notification from XXXX that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with XXXX on XX/XX/18. 
- More detailed outline is provided further below.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

On XX/XX/XXXX I received notification that XXXX XXXX was transferring my loan to Specialized Loan Servicing on  XX/XX/XXXX. I requested a payoff from my second mortgage XXXX XXXX whom required a wire transfer to pay off my second loan. On XX/XX/XXXX through XXXX XXXX I wire transferred {$450.00} to XXXX XXXX 's account number. The XXXX XXXX clerk listed XXXX XXXX XXXX XXXX as the beneficiary. The tracking number was XXXX. The wire transferred was delivered. XXXX XXXX inadvertently accepted the wire transfer from XXXX XXXX and applied the payment to my mortgage. It is unknown how the payment was applied as neither XXXX XXXX or SLS have provided a payment history. On XX/XX/XXXX my loan was transferred to SLS. The {$450.00}, according to XXXX XXXX was transferred to SLS. SLS has claimed that they had the funds but were not applied to my XX/XX/XXXX payment. According to SLS an investigation regarding the wire transfer was opened. On XX/XX/XXXX, in a phone conversation, I paid the remaining {$780.00} to make my loan current for the month of XXXX. On XX/XX/XXXX I sent a certified letter to SLS regarding the wire transfer and discrepancy in how it was applied to my loan. The letter was to arrive on XX/XX/XXXX. The same day I mailed a check for my XX/XX/XXXX payment in full to a separate XXXX XXXX for SLS ( certified receipt XXXX, confirmed delivery ). The payment was received and SLS rather than depositing my check withdrew the money from my account as an ACH payment. The money was withdrawn on XX/XX/XXXX from my XXXX XXXX   XXXX account ( check number XXXX ) I did not and have not authorized any ACH payments with SLS. I received an email confirmation that the payment was received. On XX/XX/XXXX I contacted SLS again to resolve the status of my loan and address my letter. SLS then told me that my {$450.00} was applied to my XXXX payment ( as an autopost ), but now my {$780.00} payment had been applied to my principal as it was a partial payment ( as a curtailment ). I informed XXXX that the representative never informed me that my payment would be applied to my principal but that we had an in-depth conversation regarding that this payment would make my monthly payment current. I was never requested on informed XXXX XXXX or SLS that I wanted to make an additional payment toward my loan at any point in time. According to my financial records, my XXXX payment should be current and my XXXX payment was paid by check. According to SLS 's online history of my account the XXXX payment in the amount of {$1200.00} has NOT been credited or received by SLS. All payments have been made to both XXXX XXXX and SLS and my account is current. It is my belief that SLS is attempting to foreclose on my home and committing fraudulent acts with criminal intent.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, Equifax who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " personal information. XXXX reported. XXXX MORVENS* Addresses Reported. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Account. XXXX - MILESTONE {$920.00}, XXXX + DAYS LATE* XXXX XXXX BANK XXXX - 59 DAYS LATE* HARD INQUIRIES. XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 2021 Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not XXXX. Equifax the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NJ)

For the 3rd time RPM failed to provide a solid document INVOICE or agreement signed by me for the Alleged debt claimed that I owe. Pursuant to my rights under the Debt collection law, RPM is  trying to collect illegal debt that I do not owe. I have no contracts or deals signed by me to this scam agency called RPM stating that I owe them money. 
They have been contacted by me by Certified mail to provide a solid invoice with a contract stating that I owe them the alleged debt, yet, they keep on sending me the same copied spread sheet that is copied or stolen without invoice number or signatures, and a fake copied letter made by them stating illegal debt. I ask CFPB to please investigate the validity of this scam and force this RPM to delete such scam from the credit bureaus.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO Bank, N.A. (AZ)

They offered a {$200.00} bonus if I used the card to make {$2000.00} minimum in purchases, but, at about the time I spent the {$2000.00}, and qualified for the bonus, they, all of a sudden, locked my card, so when I called in, they said that I needed to fill an " ID Declaration Form '' out, and give them my photo ID. I didn't want to do that, so I just stopped using the card, but, now, they're saying I won't be able to redeem the {$200.00} bonus. They're changing the terms after the fact. I never agreed to supply them with my photo ID, and I don't feel comfortable with the fact that they're holding my bonus over my head to get my photo ID. I just don't trust them, especially because, to me, they are being underhanded.
Consumer complaint received 2019-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a Hard Inquiry on my report from XXXX XXXX. 
XX/XX/XXXX I have lived at my current location since XXXX and was not looking at any other properties on or around XX/XX/XXXX. 

The Company information on my report under the Hard Inquiry is : Institution Information XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX This is the first mode of action I have taken.
Consumer complaint received 2018-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In contrast to as recent as XX/XX/XXXXthe Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against Wells Fargo Mortgage in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX XXXX, XXXX XXXX  and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to XXXX XXXX. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX  Bankruptcy Court .

In the case of XXXX XXXX, we have served written letters ( see attached ) begin XX/XX/XXXX to cease and decease all collection attempts on our Wells Fargo Mortgage Account since XXXX XXXX is third party to a debt already in dispute with Wells Fargo Mortgage, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, Wells Fargo Mortgage in its deceptive attempt to unload a questionable debt to a third party debt collector XXXX XXXX  which in turn recruited XXXX XXXX  an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX  District of California. XXXX XXXX   on behalf of Wells Fargo Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXXt, XXXX XXXX XXXX XXXX

In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX  Bankruptcy Court.
Consumer complaint received 2019-01-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (WA)

I need to file a claim prior to the end of the HARP program. Please have someone contact me as soon as possible so I can file a claim against HARP as they have double charged me in closing costs. Here is my email address - XXXX. 
My phone number is XXXX. Please let me know how to proceed. This is my fourth request! XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (NY)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. As the creditors regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. ALLY FINANCIAL XXXX.
Consumer complaint received 2018-10-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (LA)

I've been told by my point of contact XXXX XXXX # XXXX my file has been in underwriting since XX/XX/2018 and I would have a decision within 30-45 business days it is now XX/XX/2018 and still no resolution of response. I have called weekly to check on the status of the modification and I get the same response week by week there is no resolution we will escalate the issue but no response and XXXX point of contact has failed to reach out to us. We have been complaint to all of the request and would like a resolution asap. I also requested to speak manager XXXX XXXX # XXXX and he is never available to speak to according to representative. I need your help in resolving this issue. I feel they keep prolonging the decision to collect more money from me. I am more and more delinquent on my loan the longer they take to give me a resolution.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) , is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX  ) , the financial institution, and the Consumer reporting agency Equifax does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, or XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I provided an account number and name of account to someone to revive funds. They went to get them and they were never deposited I called MoneyGram and they told me there was a mistake made on one of the numbers. They filed a report and said they would get back to me. They did not. I called and emailed 6 times or more and each time the person said they had no access of the account number it was suppose to go to. I emailed proof of the transaction yesterday because I received an email denying my claim. What they sent me has no numbers for me to see if it was done correctly. They blacked them out. That doesn't do anything for me. Just hides their obvious error and they stole from me!
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

About XX/XX/, a withdrawal was made from my checking acct. in the amount of {$290.00}. 
From the limited description, I did not know what it represented. I disputed the charge and Bank of America reversed the withdrawal. A few days later, I realized it was an annual deduction I always had paid. I told Bank to pay the merchant.Bank said it would take 7 days for merchant to receive money. 

Because I needed access to continuing education right away from the merchant and b/c I could not get money to merchant with a debit card ( card was rejected ), I charged {$290.00} on XXXX of my Bank of America Credit cards . I spoke with merchant ( I have used this merchant for a number of years ; ) I just did not recognize it was the annual fee b/c Bank did not provide clear description or name. of merchant when initial withdrawal of money had ben made.The merchant would have refunded the {$290.00} I paid the merchant using the credit card. 

XXXX XXXX, Bank withdrew {$290.00} described as temporary card reversal.but did not pay merchant.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

Equifax, XXXX and XXXX have a Bankruptcy listed in my/our Credit Files ... ... ....!! 

I/WE DID NOT FILE BANKRUPTCY!! I have spoken at length to the Court House here in XXXX and they have NO record of said Bankruptcy. I have requested that it be removed and these Agencies, which I believe actually work with ID thieves, refuse to remove this erroneous information. They have had this in my/our credit files since XX/XX/XXXX, the same year someone filed a XX/XX/XXXXFederal Tax Return in my name only, and we have filed a JOINT Return since XX/XX/XXXX?!?! They have flat out refused to remove it. From XX/XX/XXXX-XX/XX/XXXX I was in XXXX dealing with a XXXX XXXX XXXX our daughter was having!!! Either these " Credit Reporting '' Agencies are above board or they're the reason why ID theft is on the rise. Perhaps they work with these thieves, then the fraudulent companies that profess to clean up your credit report ; I don't put anything past anyone. All I know is, I/WE did NOT file bankruptcy in XX/XX/XXXX, and the Court House has no proof that any Bankruptcy was filed, cause they WOULD have proof of payment because it COSTS money to file bankruptcy!! These " credit reporting '' Agencies seem to be nothing more than a portal into ones personal information, particularly of late with all their " breaches??? '' This FALSE item has cost us 10 's of thousands of dollars!!! This is the final attempt to do this without Litigation, because if we have to Sue, we will be coming for the BIG BUCKS!! Cause this XXXX has to stop!!
Consumer complaint received 2018-12-14
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION (IL)

As of XX/XX/2018 received a call from XXXX from XXXX XXXX XXXX to my cousin phone number. My cousin advised she contacted this number and told the creditor this was not the contact number. As of XX/XX/2018 my cousin received another threaten voicemail from creditor without providing any mini miranda. In addition advised deception of a financial institution in which this was disclosed to a third party without authorization and even receiving this information that they keep calling the incorrect person.
Consumer complaint received 2018-10-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc (TN)

I spoke with a representative at Ad Astra about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, XXXX and TransUnion 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX