davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

Company never sent notice about debt. I just kept receiving calls from an unknown number without them leaving a voicemail -- it seemed scammy. I didn't realize who they were until it was reported on my credit report. I finally settled out with the company and I have a recording of the representative stating they would do a pay to delete. They pretended they weren't able to send me a pay to delete letter until I got off the call and the letter they finally sent did not state what was promised over the phone which was a pay to delete. Also after I settle out with them the address they reported on my credit file was not even correct which led me to believe they never had official verification that the debt even belonged to me.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Ocwen is charging me late payment fees monthly for a past due balance that was paid through my bankruptcy. Thus, each month, during the bankruptcy while I was making my on time payments through the trustee, they were applying the payment to the previous month. My bankruptcy was discharge in XXXX XXXX with all of my account current. However, Ocwen is claiming that my account when they received in XXXX XXXX was still past due. Thus, each month, during the bankruptcy and now, while I was making my on time payments they were applying the payment to the previous month. Ocwen is currently reporting me to the credit agencies as delinquent when it is not. I make on time monthly payments each month. 

I have tried to resolve this several time and have requested payment history 3 times. Ocwen has not sent me this information. My last attempt was today XXXX XXXX, XXXX when I spoke with XXXX repersenative id # XXXX. I have also tried to create an account on their online page so that I could access my payment history but I can not get access to my account online.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion is reflecting an account *In Collection* by a XXXX XXXX XXXX ( Accnt no. XXXX for {$620.00} ) which appears to be a collection company. I filed a dispute advising that this account was not mine as I have no dealings with XXXX XXXX XXXX and do not know where or how this account originated. TransUnion returned the response in 4 days that the account was " verified as accurate '' but with no new information or indication what investigation into the dispute was done. 

All I want to know is where this account came from and how it ended up on my credit report.
Consumer complaint received 2023-08-13
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: Mercedes Benz Financial Services (CA)

Someone stole my identity and it may have been an attempt to purchase a car through a dealer named as XXXX XXXX XXXX XXXX per the credit inquiry record. It appears that this dealer submitted a credit application as well as MB FIN SVCS for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry but the information was unavailable due to the absence of the person in charge. Their finance team may have more details.

I received the identity theft victim 's Complaint and Affidavit package from MB FIN SVCS, and this is for a record purpose for MB FIN SVCS. 

I filed the identity theft case with FTC ( IdentityTheft.gov ) for identity theft event on XXXX XXXX, XXXX. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/, I deposited a check in the sum of {$15000.00} into my business account, titled XXXX XXXX XXXX XXXX, at TD Bank , N.A . OnXX/XX/2023 the entire amount was made available to me. I transferred the funds into my brokerage account held at TD Ameritrade and made a short sell trade of XXXX securities. This trade added to a previously held position of the same security. On XX/XX/, TD Bank then placed a hold on the deposited check after making it available and after my transfer was made, thus reversing the transfer of funds. This was done with no notice at all. This reversal resulted in a Margin Call on my brokerage account due to the drop in equity. OnXX/XX/2023 the brokerage firm implemented a Margin Sell Off at a loss of {$2800.00}.
Consumer complaint received 2023-08-13
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. (IL)

Transunion continues to report an alleged debt that has not been validated as belonging to me. 

Transferring a contract does not give XXXX XXXX rights to collect from the contract therefore Transunion is unable to report such a collection account. 

I have the right as a federally protected consumer to opt out of this information from being reported. 

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2023-07-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

A friend had recommended a bitcoin investing advisor and service that she was successful with. I had several questions for her and contacted her advisor. 
I did two XXXX transactions for {$500.00} each to open my account and invest. 
Gainplox.com is the site. I watched my investment grow and the advisor suggested I withdrawal my profits and when I questioned my friend she said that is what she had did as well. ( They wanted a one time fee for my withdrawal code ) I did not make that transaction because I was extremely suspicious of something to good to be true. I then found out that my friend was someone that had stolen her account and I was speaking to a scammer telling me to invest with her advisor. 
Their site mentioned about still shows my initial investment, but I am sure it is bogus. I have filed a report with the FTC today ( XX/XX/XXXX ) I tried to contact Bank of American Friday when this happened by emailing them the transactions to the abuse email. No one has contacted me and they do not have anyone to speak to today as well.
Consumer complaint received 2023-08-13
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: BMW Financial Services NA, LLC (CA)

While reviewing my credit reports from the credit bureaus due to the recent identity theft issue, I discovered that there was one hard inquiry from BMW Financial services on XX/XX/2023. 
Someone stole my identity and purchased a car from an dealer with fraudulent transactions on XX/XX/2023 and the hard inquiry on XX/XX/XXXX XXXX be related to this fraudulent deal. 

I contacted BMW Financial services for the details on XXXX XXXX & XXXX for XX/XX/XXXX hard inquiry but the fraud department was not reachable. 

I filed the identity theft case with FTC ( IdentityTheft.gov ) for identity theft event on XXXX XXXX, XXXX. I filed a police report with XXXX XXXX XXXX XXXX  Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

The hard inquiry submitted on XX/XX/2023 is clearly fraudulent which I do not recognize.
Consumer complaint received 2016-10-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have been working, in good faith, with Nationstar/XXXX to sell our home as a short sale. It has major foundation damage. 
We have produced at least XXXX offers over the past several months. Nationstar/XXXX would not allow the property to sell for market value. 
During this phase of marketing, no one knew the full extent of the foundation damage. 
We had one offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX. We had another offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX There were multiple offers that led to those XXXX accepted offers. During those offers Nationstar/XXXX forced potential Buyers to obtain appraisals, and estimates for the repairs. The Buyer 's spent their funds obtaining the reports and Nationstar/XXXX. The appraisal came in at $ XXXX, as is. 
Eventually, a year later, Nationstar/XXXX acquiesced to suggestions to reduce the price. We received more offers. We had more multiple offers that led to an acceptable offer of $ XXXX. Nationstar/XXXX would only consider lowering their $ XXXX demand if the Buyer obtained another appraisal and an engineering report for the foundation damage. The appraisal came back at $ XXXX IF and AFTER the repairs were completed ( The appraiser said he had no way of estimating the repair due to its severity ) The appraiser also classified the property as uninhabitable. 
Estimates were obtained that ranged from $ XXXX to $ XXXX to bring the property back to an inhabitable status. 
In XX/XX/XXXX, Nationstar illegally filed a Notice of Default. As I understand the law the NOD must be accompanied by an affidavit. In this case, the affidavit stated Nationstar tried, and was not able to contact us. This is obviously a mistake or a fabrication. We have been in constant contact facilitating multiple short sale offers, constant request for updated bank accounts etc., plus we have numerous phone calls logged between us. 
In addition, the affidavit was signed and dated XX/XX/XXXX, the notice of default was dated and recorded XX/XX/XXXX. On top of being false, the affidavit is untimely. Recently Nationstar filed the NOD stating our home will be auctioned on XXXX/XXXX/XXXX. 
This must be dual tracking. 
We have been negotiating more contracts over the past 2 weeks and Nationstar knows it. We have come to terms with one Buyer and have another in backup, for $ XXXX. 
Our Real estate agent claims Auction.com hijacked our XXXX XXXX Ads. They are offering our home for $ XXXX. 
In conclusion, the NOD/NTS should be rescinded or at the very least, the sale date should be postponed. Nationstar/XXXX should allow the sale to go through at the current $ XXXX all cash offer that 's on the table as we speak.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Ive been with XXXX XXXX XXXX  for over 20 years. They really charge me left and right from Mortgage account to credit card to debit card. Extra fee never receive my reward and so on.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

So my information is out there and someone opened an account under my name in credit card without me knowing it was a fradulent account. XXXX XXXX XXXX XXXX  The date of birth on 1 of the credit reporting agency is incorrect. My current address is incorrect. From what I recall XXXX could be part of the agency that maybe have leaked my data.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (OH)

Premise : Plain Old Telephone Service Line ( POTS Line ) can not co-exist on the same physical line with XXXX XXXX 
XXXX scheduled to be turned on XXXX, XXXX, XXXX and XXXX XXXX turned off. 
XXXX XXXX  was unable to be established and technical support was unable to resolve the issue and subsequently ignored the support case. 
Multiple calls were made to customer support to have POTS line of the XXXX XXXX turned off and illegitimate charges removed. Most prominent call was on Monday, XX/XX/XXXX at XXXX ( recorded call ). 
XXXX XXXX blocked the customer from customer phone support until illegitimate charges were paid. 
Complaint filed with Ohio Attorney Generals Office about the illegitimate charges, refusal to remove the charges ( four months of POTS Line  service totaling near {$200.00} ) and refusal to remove the POTS line service. 
XXXX XXXX in XXXX XXXX XXXX XXXX calls on Thursday, XX/XX/XXXX to discuss the complaint they received from OAG. XXXX employee becomes confrontational and refuses to provide an email address. 
In following weeks and months, XXXX XXXX refuses to correspond via email despite the XXXX employee providing an email address to OAG for further correspondence. 
Due to inaction by XXXX XXXX, XXXX XXXX executive officers were copied on multiple emails on the matter providing a great amount of details and documentation. 
In the following months, not one XXXX executive or employee confirmed receipt of any email with documentation attachments was received. 
On Wednesday, XX/XX/XXXX XXXX XXXX, XXXX XXXX calls and leaves a voicemail to state she will not communication through email unless I speak to her over the phone confirming who I am. She had already spoke with me over the phone ( recorded call ) back on XX/XX/XXXX confirming who I am. This is obviously a game or a high level of incompetence to XXXX XXXX. 
XXXX employee continues to ignore the complaint. 
XXXX sent the unpaid account to collections. 
XXXX debt collector locates a phone number of the XXXX customer not related to his account and debt collector starts calling to harass the XXXX customer for illegitimate XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute and request the immediate removal of an account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and specifically referencing 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ), I believe that the presence of this account on my credit report is inaccurate and is causing significant harm to my creditworthiness. I would like to bring to your attention the fact that the Internal Revenue Service ( IRS ) considers a charge-off as taxable income. As such, this inclusion on my credit report is both misleading and inaccurate, as income is not supposed to be reflected in a consumer credit report.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (IN)

This XXXX XXXX they have listed incorrect on my credit and I have been working my hardest to Fix my credit and the reason I am sending It's because the amount is incorrect and the dates are way off They have my account listed as two years old And the account is From XXXX and I need this resolved I'll deal with XXXX and if you want look at my payment history it is XXXX percent and I paid and closed account in XXXX but a new credit delinquent debt showed up XXXX as of it was new and this is ridiculous I've asked over and over for proof of this account and the address and dates nothing yet
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2023 my account ( XXXX ) with Capital One were closed due to " XXXX ''. For the past XXXX months, XX/XX/2023 XX/XX/2023 and XX/XX/2023 no one in customer service at Capital One has been able to explain to me in details who committed the fraud and what happened exactly. I did not authorize for my account ( XXXX ) to be closed in relation to fraud because I'm unaware of fraudulent activity ; unless it is on their end. While under review please consider XXXX XXXX. XXXX XXXX Capital One sends to my address every month.