davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have encountered with Bank of America. In XX/XX/, I received a cashier 's check via USPS from an individual purchasing furniture from me. The furniture was listed on various social platforms. After receiving the cashier 's check, I deposited it into my Bank of America account. 

To my shock, Bank of America closed my account without any prior notification, claiming that I knowingly attempted to cash a counterfeit check. When I contacted the bank for clarification, I was treated disrespectfully and accused of being a fraudster by the fraud department. They threatened to report me to all relevant authorities as a counterfeiter, effectively barring me from opening any future accounts. 

I have filed a police report and a complaint with the FTC regarding the scam. However, the repercussions of this incident have severely impacted my life. I am now unable to cash checks made out to me, which is affecting my livelihood. Businesses refuse to work with me, I am unable to pay my rent, and I was even unable to cash a State Treasury check sent to me by the IRS. Additionally, I am unable to do something as simple as renting a car. 

This situation is untenable and unjust. I am seeking immediate assistance to resolve this matter and restore my financial standing. I urge you to investigate this issue and rectify the false allegations against me. 

I will provided copies of documents as needed
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I sent a dispute to midland credit management on XX/XX/year> after receiving a letter from them of a final notice regarding an alleged debt that I owe and paying the alleged debt to avoid legal action against me .they also sent me a postcard which is unlawful. I responded back stating that I do not owe such alleged debt because I never done business with midland credit management or have a contract with them to owe such alleged debt, midland stating theyre going to take legal action against me is very unlawful due to the fact that it violates me as a consumer and because I do not owe such alleged debt. I stated in the dispute if I owe such alleged debt to send me the following documents that will prove that I owe such alleged debt to midland credit management, I sent this along with a affidavit of fact and cease and desist with conditions. Midland credit management received my letter on the XXXX of XXXX I sent it certified mail which proved to me they received it on XX/XX/year> and I also got back my green slip and XXXX XXXX signed the green slip which means they received my letter and I have yet gotten a response from them for the documents I requested to prove that I owe and its been more than 30 days .what they did do was add this account on my consumer reports which is also unlawful to do.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

according to law 15. U.S.6802.Law FRCA Section 605B its is it illegal to report information on my credit report without my permission, thank you please remove this from my credit report now., I ask Equifax to provide proof of Contract with my signature on it, And some kind of copy of passport or identification.this Debt is not mine, belong to someone is. 
XXXX XXXX XXXX is reporting unauthorized medical debt on my credit report, XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit reporting agencies have placed accounts that were never to be or are incorrect on balance and contract. XXXX XXXX has no agreement with me also under UCC 3-104, 31 USC 5118 , 12 USC 1431 , 18 USC 8 . 
The XXXX Accounts are XXXX. XXXX XXXX- ( auto ) XXXX or relevant. 
XXXX. XXXX XXXX - XXXX ( AUTO ) XXXX. XXXX XXXX - XXXX XXXX ( REVOLVING )
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NV)

I have called this debt collection twice to settle and they have refused twice. I stated they are attempting to collect the wrong amount... they were unwilling to provide history and transactions on acct. I spoke with a supervisor and still no settlement was agreed to. This acct is going on XXXX XXXX XXXX. I also informed them that I'm on XXXX and do not work full time or part time. Therefore I don't have much money this why I called to try and settle the acct. They refused to settle both times I called. This collection agency is not trying to help the company or settle with the customer. These decisions are fueled by greed on the collection agency behalf.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (MS)

I bought a Netspend credit card and deposited over {$2000.00} on the card to buy a vehicle the employees all XXXX XXXX deactivated my card are will not allow me to access the funds. They claim possible fraud is at play I think they simply stole my money
Consumer complaint received 2024-08-15
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. (CA)

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. 

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 2024-08-15
Product: Credit reporting 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. (PA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution XXXX XXXX XX/XX/year> TransUnion
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (IL)

I check my credit often and I noticed my score went down almost 100 points. There is a collection on my credit for {$600.00} by G C services. The original creditor is XXXX. I contacted XXXX and they confirmed I do not have a balance due. I do in fact have current services with xfinity but this account is different than mine. My xfinity account is for internet and there is no past due balance. I called xfinity to confirm and an agent told me I do not have a past due balance or any other account in my name. When I contacted G C services and asked why this was on my credit, they told me that my social was used so the debt is verified. I have never had xfinity mobile services in my life I only have home internet and the other account that G C services claims I have is with a different address that is not mine. I do not believe I should have to pay on a debt that is not mine and hasnt been proven to be mine. XXXX says I do not owe any balance and Im confused as to how a collection agency is trying to collect debt from me for services I have not used. I was also never called, mailed, or sent anything about this debt i only knew about it from checking my credit on experian.
Consumer complaint received 2024-08-15
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. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX. XXXX XXXX. 
Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from XXXX  XXXX in XXXX XXXX California I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was supposed to
Consumer complaint received 2024-06-23
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Issue : XXXX XXXX XXXX Account and Fraud Claim with Bank of America for XXXX Summary : I have a XXXX XXXX card with Bank of America for XXXX, which is currently closed due to XXXX ending its business with Bank of America XXXX. Despite multiple attempts to authenticate my identity at Bank of America branches, my prepaid account remains blocked. Both branches I visited stated I need to make another appointment for future verification. 

Details : Account Closure and Authentication Issues : My prepaid debit card with Bank of America for XXXX is closed due to XXXX ending its business relationship with Bank of America XXXX. 
I have been instructed multiple times to visit a bank branch to authenticate my identity. 
Despite proving my identity at two separate bank branches, my account remains blocked.

Both branches informed me that I need to schedule another appointment for verification.

Fraud Claim : I filed a fraud claim with Bank of America in XXXX. 
Despite submitting a police report and other required documentation, the claim has not been fully approved. 
The original prepaid card was sent to the wrong address. 
All the information on the Bank of America prepaid account was incorrect, which I had to update. 
Partial Approval and Check Cashing Issues : I received partial approval for my claim, amounting to {$20000.00}. 
I am encountering difficulties cashing this check at both the bank branch and check cashing places. 

Desired Resolution : Full resolution and approval of my fraud claim. 
Removal of the block on my prepaid account. 
Assistance in cashing the approved check for {$20000.00}. 

Attachments : Police report and other documentation submitted for the fraud claim.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-15
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Called XXXX XXXX XXXX ( where I have car loan ) after seeing error on Experian credit XXXX. It has dropped my credit score. I started this process 60 days ago. XXXX never return promised call. Have called 9 times without success. Filed dispute with experienced and information XXXX  sent incorrect. Cant load documents on to experian credit. My balance is wrong. They did not include XXXX payment for XXXX. I am trying to pay this loan off because of the TERRIBLE SERVICE I get. I have picture of cashed check. Please help straighten this business out as they are victimizing and have no legitimacy for the customer.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian business credit report has information that has not been updated. A lien from the state of Pennsylvania was placed on my report on XX/XX/year> has been satisfied and i need it removed from my report immediately because it is holding up a major settlement for my company.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (MD)

To, Cedar Business Services, LLC XXXX XXXX XXXX XXXX, Site XXXX XXXX CA XXXX Concerning your file # XXXX, Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX CC : The Consumer Financial Protection Bureau ( CFPB ) Reference : My talk with XXXX XXXX, your letter dated XX/XX/2024 I got a letter stating that you are a debt collector and want to collect {$6500.00}. Im afraid I must disagree with these charges, and they are baseless. The charges are fraudulent, and the servicer has rendered no service. 
As per the contract, 10 % of the project cost was due upon signing the contract, but this amount was never disclosed, nor was I sent any invoice. As the contract became null and void as of XX/XX/2024 due to its timely cancellation, these charges are not applicable. 
The contract was signed on the XXXX and canceled on the XXXX, within a XXXX cancellation period. On XX/XX/2024, I sent an email with the attachment of a cancellation letter to XXXX representative, XXXX XXXX XXXX, at his email address ( XXXX ), where most of the contract correspondence happened. I confirmed by calling him, stating that the contract had been canceled. 
o Please note the attached email as proof of the cancellation request. 
o Signed copy of the cancellation of the contract, with the date on which the letter was signed and sent. 
o XXXX shows XXXX poor reviews and shabby practices. As per the XXXX XXXX XXXX, they are out of business. 
It looks like it is part of a scam in which a few companies phish customers. I request that you cancel the debt collection process, which was started fraudulently without proper basis. 
Please send me a registered letter so that I can plan my next steps for necessary legal action.
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC (NY)

Lending Point Loan opened XX/XX/XXXX in the amount of {$2800.00} ( Loan XXXX XXXX XXXX ). 
This loan was paid off XX/XX/XXXX. However lending point never reported paid off balance to credit bureaus. 
When I saw this I called on XXXX I was told that " there was a glitch where all the paid off loans were not reported ''. 
I spoke to a supervisor by the name of XXXX and she gave me a case review # - XXXX. She said that I will receive an email about the correction however I never did. 
I will like help on why this company did not accurately report to credit bureau for six months. Thank you Lending point Tel # - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (WI)

Hi, I recently became aware of student loan account in collection on my credit report. This is not my debt. I'm a victim of identity theft once again. I've reported this fact repeatedly to all XXXX major credit bureaus I have a credit freeze and fraud alerts on my credit, sometimes it helps and sometimes not. I been a victim of this nightmare many years over and over again. I do have XXXX more complaints to letters to write as soon as I complete this one. I would like to add personal I'm XXXX XXXX XXXX XXXX XXXX veteran. Married over XXXX years. Lived in the same home XXXX years and retired for XXXX years a XXXX XXXX XXXX XXXX for many years and except for these fraudulent accounts I don't owe anyone.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (MO)

XX/XX/year> I received emails from my experian account saying I had new inquiries so I checked it and I had 7 new and I have no idea what they are. I dont need a new truck. I called the ones that answered and they said it was done online with my social and other sensitive information.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My mortgage was recently transferred to Freedom Mortgage Company from XXXX, the PMI had been removed last year when my loan dropped below the 78 percent mark. Freedom Mortgage added the PMI back to my loan even through it was at the 75 percent loan to value ratio and refuses to return the money that they erroneously charged me for the past three months. This should not have happened since PMI automatically cancels at 78 percent under the Homeowner 's Protection Act of 1998. I have contacted them multiple times to try and resolve the issue to no avail.
Consumer complaint received 2024-06-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CrossCountry Mortgage LLC (AZ)

we went to closing and the documents did not look right we asked questions about it and they kept telling us that's between you and your lender. 
when we ask the lender why our closing went from XXXX to XXXX they told us that was due to the XXXX  loan. they also took money to buy down the rates when we said we did not want to do that we had addendums that were to fix issues on the house. we did not receive the money for this. 
they found out they messaged up and put me and my partner as married on a XXXX  loan when we are not as well as put me as a XXXX  not a XXXX XXXX XXXX  they said that part did not matter. 
they tried to convince us to refinance to a FHA loan because of all the mess ups and they told us they could not fix it. 
when we did not sign they tried to tell us that they could fix the XXXX  loan if we would sing a paper. we refused again we are currently seeking legal help into why everything turned the way it did and why closing was that much. 

this company is called cross country morgage.