davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (MI)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-23
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. (NY)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-03-08
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ROC Asset Solutions, LLC (CA)

This company continues to call my phone number and did a skip trace and has consistently called XXXX of my family members. They state they are not a collection agency and are a legal aid firm for XXXX. They claim I owe them {$16000.00} and need to settle or they will sue me. I have asked for a validation of debt notice as I have never received any correspondence from them. They state I need to call XXXX and refuse to mail me any documents. They will not give me their address to mail a cease and desist letter. I am unable to stop the phone calls and they are harassing me and my family. They claim to be based in XXXX, NY. They have violated a countless amount of FDCPA related laws, but I am unable to continue the process without them giving me any information.
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (CA)

I did not consent, authorize nor benefit from any transactions from these inquiries. 

Experian is in violation of the FCRA 15 usc 1681n ( b ) Civil liability for willful and non compliance- ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was a victim of ID Theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax -XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax -XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax
Consumer complaint received 2022-10-24
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. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-04-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My name is XXXX and my complaint is against Select Portfolio Servicing , Inc, my servicer in my loan No. XXXX. Select Portfolio Servicing , Inc, started foreclosure proceeding against my homestead property with totally unclean-hands and fraudulent documentation as you can see in the attached documentation. Foreclosure Case No. XXXX placed in XXXX County Florida, has been enter into court with fraudulent note, fraudulent adjustable rate ride and fraudulent correction/Modification of Mortgage never signed but executed them by Plaintiff and enter them as Exhibits in my foreclosure case. I closed my property in XX/XX/XXXX in XXXX and never received copies of my originals documents, I was told that I will get them in the mail. On XX/XX/XXXX I received a total different set of documentation for me to sign, I requested a copy of the first set of documentation to make sure nothing had changed and I never received a response, additionally they told me they would add my wife in the mortgage, since I started this process of purchasing my home from my now actual wife, before marriage, and at the time of closing I was already married. Me and my wife advised the same information to the mortgage broker at the time. So I held on to the documentation and keep the originals never signed. The first sign of fraud to the court was in my foreclosure case in XX/XX/XXXX- Case No. XXXX, were the lender certified to have the original note on my property such note was fraudulent signed, since I have the originals of this note and was never signed or executed by me. That foreclosure case was voluntary dismiss by Plaintiff in that case. Come XX/XX/XXXX I get served with a second foreclosure case after almost 9 years, and Select Portfolio Servicing , Inc again certifying of the same, including the two adjustable rate ride, and a correction/modifications of Mortgage Documents that I never that I never signed. As far as a modification of mortgage, Plaintiff XXXX ( Investor ) does not modified since they never took funds from TARP. 
Second case of Fraud : Lack of standing bringing this case with an assignment of mortgage recorded and executed on XX/XX/XXXX by XXXX as Vice President and nominee for Accredited Home Loans. Accredited had filled BK Chapter XXXX, since XX/XX/XXXX and was administratively dissolved and repudiate all their contracts that including XXXX, so assignment of mortgage is totally ineffective. I had executed letters also to our State Attorney General, Offices of XXXX and to our governor XXXX. ( See attached ). I do want to fine a way to keep my home but homeowner 's had suffer huge losses due to lender and services unethical practices. Thanking you in advance for your help in this matter.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Shellpoint Partners, LLC (CA)

We have an insurance claim and our insurance check of {$54000.00} was required to be sent to our mortgage company, Shellpoint Mortgaging to disburse the funds back to us working in conjunction with XXXX XXXX which seams as an umbrella of Shellpoint as they are both at the same address and suite number. Shellpoint uses the company XXXX XXXX to disburse those funds. On XX/XX/XXXX we were instructed by Shellpoints Loss Draft Department operated by XXXX XXXX, in order to expedite our funds in 8 to 10 business days, we needed to upload the adjusters report and the contractors estimate and overnight the check for {$54000.00} and provide a prepaid overnight return label to receive our funds which we provided. On XX/XX/XXXX we uploaded the contractors estimate to XXXX XXXX 's portal timestamped on XX/XX/XXXX. On XX/XX/XXXX we uploaded the adjusters report to XXXX XXXX 's portal timestamped on XX/XX/XXXX. On XX/XX/XXXX we overnighted via XXXX the check for {$54000.00} to Shellpoint Mortgage Services Loss Draft Department with tracking number XXXX. Shellpoint received that check on XX/XX/XXXX at XXXX. We provided a prepaid overnight label via XXXX to Shellpoint to send our funds back to us and as of XX/XX/XXXX, day 23, we have no funds that have been sent to us. In bad faith, Shellpoint in conjunction with XXXX XXXX has lied to us, provided misinformation on when funds will be sent and how much funds will be sent. Their reviews show a pattern with at least 47 other victims of the same fraudulent actions by Shellpoint working in conjunction with XXXX XXXX. XXXX XXXX XXXX reviews XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I got XXXX transactions charged in my credit card on XXXX XXXX  XX/XX/2023 without my authorization. I did not confirm, authorized or purchased any of those transactions and they were charged without my consent. The bank did not send me any alert until the last transaction and that was the only one that I could decline. My credit card information was stolen and scammers purchased online in target.com for about {$8900.00}. Now XXXX dealing with Bank of America to get a credit back for those transactions but they have been very slow in returning the money. They still owe me money even though I have called and disputed on several occasions since XX/XX/2023. I hope get this resolve soon and get my money back as soon as possible. This is so frustrating.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : LEGAL DEPT. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as :. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$260.00} This ACCT. was charged off.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY ()

We have had a checking account with Wells Fargo ( formerly Wachovia ) for nearly 15 years, during our last visit to the XXXX branch we were persuaded to take out a credit card which would 'even out expenses over the year '. I had to make a deposit of {$300.00} and was charged {$25.00} for the annual fee. When the card arrived I had a credit limit of {$300.00}, being the sum I paid in, which makes it a pre-paid account in my view. I have tried unsuccessfully for weeks to sort out the return of my {$300.00} and the closure of the account. 
I spoke to their customer services two weeks ago and said I wanted to return the {$300.00} to my checking account and close the credit card account. As I had a bill to pay I needed it straight away and so said I would take it as a cash advance and the chap said the 3 % fee would be waived and the account would be closed, using the collateral account to pay the cash advance amount. 

I logged on my account today to see that the credit card account is still active with a balance of {$310.00} and a payment of {$40.00} overdue.
Consumer complaint received 2017-03-31
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC (IA)

I answered a call on XX/XX/XXXX from the Alliant Capital Management. Upon answering they had me verify my name, address. They asked about my employment because they had paperwork to deliver. Then we got into the debt call. They stated it was going to go to " litigation '' several times if I did not settle. At this point I still had not been notified of the call being rerecorded or not ( at the end of the call XXXX XXXX stated parts of it might have been recorderd ). 

The orginal debit is from XXXX a payday loan service for {$2500.00}. 

They keep referring to XXXX XXXX XXXX as who will proceed with litigation. They are also stating my employer is collateral on this. 

Contact info for Alliant Capital is XXXX XXXX XXXX is one of my account reps. 

I offered {$700.00} for an on the spot settlement and it was declined. They are getting aggressive and bullying.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I made a dispute on my business account. 
They suspended 18 checks after taking the money from the companies who paid me and said they were unverifiable and closed my account. Note they wont give me my money and said that they will no longer communicate with me any longer. 
XXXX # XXXX {$250.00} XXXX # XXXX {$1000.00} XXXX # XXXX {$600.00} XXXX # XXXX {$800.00} XXXX # XXXX {$250.00} XXXX # XXXX {$250.00} XXXX # XXXX {$800.00} XXXX # XXXX {$250.00} XXXX # XXXX {$600.00} XXXX # XXXX {$250.00} XXXX # XXXX {$250.00} XXXX # XXXX {$1000.00} XXXX # XXXX {$500.00} XXXX # XXXX {$400.00} XXXX # XXXX {$400.00} XXXX # XXXX {$200.00} XXXX # XXXX {$250.00} XXXX # XXXX {$800.00}
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC (MD)

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate the lending practices of Rocket Mortgage. In the past XXXX years, I have attempted to remove the PMI insurance after my equity significantly increased. Initially, Rocket suggested using my home equity without the need for a new appraisal. When I asked to remove the PMI, Rocket demanded a new appraisal. I contacted Rocket to schedule the appraisal, and now they claim that they will only deduct the appraisal fee from the checking account on file and refuse to accept any other form of payment. I couldn't find this requirement anywhere in my loan agreement forms. I asked Rocket to provide their demands in writing before authorizing any deductions from my account, but they refused. 

I urge the CFPB to either enforce or enact new laws to prevent this abusive and deceptive business practice, where mortgage companies can unilaterally determine the payment methods for services that I am obligated to pay for without any written agreement being in place.
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (WA)

Opened a checking/ savings account with Navy Federal Credit Union on XX/XX/2017. I have monthly credit monitoring and received an alert that Navy Federal Credit Union had pulled my credit report. I did not apply for credit card or a loan and did not give permission to Navy Fed to pull my credit. Called Navy Fed on XX/XX/2017 to ask why my credit was pulled. Customer service representative first said she was not sure why since there was not any credit or loan applications in my account. She put me on hold to further investigate, and when she returned, she told me that it was supposed to be read to me, it was on the disclosure agreement ( opened the account over the phone ), and Navy Federal was pulling credit reports to have the reports in their file if I apply for credit or loan in the future. No one informed that my credit was going to be pulled when I opened savings and checking account! I have closed my account with Navy Fed. Please investigate! Thank you!
Consumer complaint received 2023-05-05
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. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still inquiries that need to be deleted. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be removed as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-12
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: JPMORGAN CHASE & CO. (IL)

I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX XXXX  account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. 
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 2023-11-13
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. (NY)

These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed 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 2023-05-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.