davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Solutions Group, LLC (CA)

On XX/XX/XXXX 2024, I received an email with regard to a {$22000.00} debt owed to XXXX XXXX XXXX XXXX XXXX ( XXXX ) from XXXX XXXX XXXX of Recovery Solutions Group , LLC. 

The response sent to XXXX XXXX XXXX at Recovery Solutions Group , LLC advising them that the dollar amount alleged in the above-entitled matter is being disputed, in its entirety, minus {$2000.00}, which was the dollar amount authorized by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the small cleanup project. 

In addition, the contract was verbally agreed upon by XXXX XXXX and XXXX XXXX of XXXX to be no more than {$2000.00} total cost during our telephone call on XXXX/XXXX/24. XXXX at XXXX " agreed on {$2000.00} maximum '' and that the contract was just a formality for them to dispatch as an emergency and come out ; even though it was agreed that it was not an emergency. Both, XXXX and XXXX verbally agreed that it was not an emergency, and coerced me to just sign the contract and return it. 

On XX/XX/XXXX2024, a letter was sent via certified mail responding to Recovery Solutions Group , LLC. The letter informed them that I am a senior citizen and feel that I was coerced into signing the contract, as XXXX hustled me to return a signed copy immediately, through a flurry of emails and phone calls. I trusted them to do the right thing. Not only did I not have the allotted time to review the contract, but I also did not have the authority to authorize clean-up services for property above the agreed upon amount of {$2000.00} for a property which I do not own. Affidavits are available upon request. XXXX proceeded with the cleanup but, did not provide a price quote or obtain permission for an amount over {$2000.00}, as agreed. XXXX, XXXX XXXX XXXX gave me the authority for no more than {$2000.00}. 

Furthermore, Recovery Solutions Group , LLC was urged to advise XXXX to resolve and accept the agreed upon amount of {$2000.00}. Also, the correct mailing address for XXXX XXXX XXXX XXXX XXXX XXXX. However, Recovery Solutions Group , LLC never responded the certified letter sent on XX/XX/XXXX2024.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX ) and ( XXXX ) XXXX XXXX XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Consumer complaint received 2024-05-18
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: ALLY FINANCIAL INC. (NC)

I have about XXXX hard inquires on my credit report from someone in Texas using my information to try and buy a car. They are using my information as a co-applicant on the loans which have been denied. I need to get these off my credit report and let it be known that someone has my information in Texas. I live in XXXX XXXX. 

XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 Ally Financial XX/XX/24
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America is Discriminating against my small farming business and creating much undue hardship. 
- XX/XX/XXXX, I scheduled a large payment through the Bank of America XXXX, and was given an unable to process at this time error message on the XXXX. 
- I then attempted to schedule the payment again and it showed that it would process. A couple days later I saw that both payment attempts went through, even the first one which said it errored out. 
- Since This payment was only intended to go through once, there were not sufficient funds in the account for a double payment. 
- When I noticed this, I immediately called bank of America and asked them to stop the payment since I had requested them on the Bank of America XXXX. 
- After the customer service agent spent some time looking into it, they told me that the best approach would be to just let the payment bounce and then it would resolve itself. 
- I followed the recommendation of the Bank of America customer service agent, trusting them. 
- Fast forward to XX/XX/XXXX, I received a notice of account closure via email, without any prior notice or warning. 
- When I called on the morning of XX/XX/XXXX, I was told it closed due to an insufficient fund payment of the exact amount mentioned. When I explained and pleaded my case, I was told there was nothing they could do. 
- This has a majorly detrimental impact on my small business. 
- When I addressed this with Bank of America, I acknowledged that there was another, much smaller incident, which occurred in XXXX. This was also due to an technological issue. 
- Between XX/XX/XXXX, and XX/XX/XXXX, I spoke with several Credit analysts at Bank of America to discuss this, explaining that the entire $ XXXX double payment, insufficient funds issue could have been avoided and that I only followed the recommendation of Bank of America once I noticed the double payment process. All of the specialists I spoke with indicated that there was nothing they could do to re-open the account due to the reason for closure. I explained to them that this was creating a significant hardship on my small farming business, and I just need someone to understand my concerns. 
- It is unjust having my business account closed without warning or notice, especially having the catalyst be an issue I tried to avoid and followed the Bank of America recommendations.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Received notice of an escrow refund from Carrington Mortgage in the beginning of XX/XX/2024 for just above XXXX. After a month of not receiving the check I called the lender and requested they sent a new check in the beginning of XXXX. After not receiving the check in the month of XXXX I called once again and requested information for tracking or another means of receiving the payment. I was told the only way to send the check was via the USPS and they can not send a certified for tracked letter. Requested they send the check for the third time. After a week I went to my local post office hub facility to see if they received anything or if there is another way to locate the missing mail. They told me that since there is no tracking number there is no way for them to locate the letter.
Consumer complaint received 2024-05-09
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)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-06-01
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. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Loan # XXXX To whom it may concern : My name is XXXX XXXX my property is XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX. I fell behind on the mortgage do to severe hard times. I tried to sell the property before this matter happen but no offers. Now I have offers for a short sell on the property and they want accept the offers or anything. I do not need or want a foreclosure on my credit Im a XXXX veteran XXXX XXXX  just retired out of the XXXX XXXX of XXXX years. I would love for them to give me 60 to 90 days extension to rectify this situation. Thanks in advance. 

XXXX XXXX XXXX XXXX # XXXX Carrington mortgage company
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Dear Equifax, I am writing to dispute the XXXX card account that is listed on my credit report. I believe that this account is the result of identity theft and that it does not accurately reflect my credit history. Therefore, I am requesting that this account be removed from my credit report immediately. 
Upon reviewing my credit report, I noticed that the XXXX card account is listed with a balance of {$1900.00}, which I believe is the result of fraudulent activity. I have never opened a XXXX card account nor have I authorized anyone to open an account in my name. Furthermore, I have already submitted an identity theft report with the Federal Trade Commission regarding this matter. 
Additionally, I have noticed that the payment history for this account does not show accuracy as the majority of credit reporting for XXXX card says " NO DATA ''. 
I am actively working to resolve this issue and I request that you assist me by removing this account from my credit report. I understand that under the Fair Credit Reporting Act, you are required to investigate any disputed accounts and provide me with a response within 30 days of receiving my dispute. 
Therefore, I kindly request that you remove this erroneous account from my credit report as soon as possible. 
Thank you for your attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

My bank closed my account without providing a valid reason. I have not engaged in any suspicious or prohibited activities, and my account was in good standing. 

Furthermore, the bank failed to provide prior notice of the account closure, which is a clear violation of their terms and conditions. The sudden closure has caused significant inconvenience and financial disruption. 

Despite my repeated requests, the bank has not given any detailed explanation for this action, leaving me unable to address or understand the cause. 

The closure of my account also resulted in my inability to move funds, which caused me to miss critical stock market transactions. As a result, I incurred significant financial losses due to the bank 's actions, which could have been avoided if my account had remained active.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter last XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after I sent Bureaus letters. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX XXXXXXXX Balance : {$20000.00}
Consumer complaint received 2024-05-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have an account with XXXX to track my credit score and report. Yesterday I received multiple emails from them stating that my 'credit file had been updated '. Upon looking into my account, I saw seven separate credit inquiries I did not authorize. All of them were dated XX/XX/year>. I filed a report with XXXX to dispute the inquiries. Coincidentally, I received a call and text from a local car dealership in my area regarding a supposed inquiry that was made online about purchasing a new vehicle. I informed them I was uninterested and had not made any online inquiries. I don't know if these two things are related. I have contacted this dealership 's credit department to inform them that it was a fraudulent inquiry.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have repeatedly asked the Credit Bureaus Transunion, XXXX, and XXXX to accurately update and report my correct information. To include removing undeliverable addresses, accurately stating my name, phone number, D.O.B and employer. I have also asked to have inquiries that I do not recognize to be removed and updated as it is my right to have a consumer report that reflects an up to date and accurate account of my consumer report. I have notified the above listed companies and there has been no response and no change. This is causing damage to my credit profiles as potential institutions and companies are confused by the mismatch of information being reported.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

My husband received a text stating " Free message : XXXX just attempted a transaction on your account? Answer Yes/NO, if it was not you, you will receive a verification call from our customer service number '' from XXXX ( XXXX ) XXXX. He answered " no '', and our XXXX account sent a {$1500.00} payment to his ex-wife out of our checking account. She then got a text asking if she was expecting a payment from him, she said yes ( we are paying her monthly {$150.00} for their daughter 's cell phone ), and then the funds were diverted to another account. I disputed this charge with my bank ( Chase Bank ). They initially credited our account with the stolen funds, but today they took back the {$1500.00} saying that the debit is valid because my husband approved the XXXX payment and it went to a person we've Venmoed before. This was around a month ago. XXXX said this is a common scam, but Chase said they will not give us our money back. They would not let me speak to the people who determined the matter, and they said I can only dispute the matter via fax or letter. They said they have sent me a letter in the mail with the next steps.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Consumer complaint received 2023-02-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (TX)

My father passed away in XX/XX/XXXX without a will. I filed an affidavit of heirship 4 months later and was named owner of his home. I sent the affidavit of heirship along with his death certificate to the bank but it wasn't enough, they want a probate document. They won't even speak to me about my father 's loan and I am in default, I have been and I am positive foreclosure is next. The affidavit of heirship is the most recent executed deed and there is no need for probate, I have been owner of the house since the beginning of XXXX. I really need to speak to the bank and ask for forbearance or something related to that so I don't lose my home and I have a little time to get my finances back in order instead of worrying and playing the guessing game on this issue since they will not speak to me about it.
Consumer complaint received 2024-05-09
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: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-30
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. (MO)

I want all incorrect information on each credit report to be removed along with any negative remarks. If credit bureaus determine an issue is valid, I demand proof of that validation be provided to me.