davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/XXXX, I applied for a mortgage forbearance due to a family illness causing financial hardship. I promptly contacted Amerisave before the next payment was due to explore assistance options. I submitted the necessary documents on XX/XX/XXXX and provided additional paperwork on XX/XX/XXXX. At that time, I was assured by two employees that no late charges would accrue during the pending forbearance, and it would take 30 days for a decision. 

However, Amerisave took more than 60 days to make a determination, and late fees were still assessed, despite the prior assurances. On XX/XX/XXXX, I received information about the forbearance, and I promptly sent the required amount via a XXXX-signed money order on XX/XX/XXXX. Amerisave received the payment on XX/XX/XXXX, signed by XXXX. When I requested written confirmation that I met their terms, Amerisave declined to provide it and denied my request to speak to a manager.

I am concerned because previous complaints against this mortgage company have revealed a pattern of not honoring verbal agreements and even leading to home foreclosures due to mishandled forbearance requests. Additionally, consumers have reported issues with late fees and negative credit reports due to inaccurate information provided by the mortgage company.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Last week I tried to get my yearly credit report and was not able to get my report from transunion and XXXX. I answered all security questions and still no report called the number that was provided no help there
Consumer complaint received 2018-05-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Discovery Systems, LLC (IN)

On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from ADS and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.
Consumer complaint received 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

I received a notice from the XXXX  general attorneys office that XXXX  tracking may have occurred from my current mortgage servicer while I was waiting for loan modification a XXXX was being processed by servicer at the same time.
Consumer complaint received 2023-10-13
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. (NM)

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 XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my 4th 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 an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

XXXX, XXXX posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. XXXX then resold to Diversified Consultants who assumed the new right to collect.

Diversified Consultants posted a collection to both my XXXX  and XXXX  credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-10-13
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX  Delete this account.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

They closed this account ( ending in XXXX ) in XX/XX/XXXX, I completed paying it off in XX/XX/XXXX. right now there is a Credit balance of {$9.00}.

I had set up auto pay on their ( Bank of America ) website, and in XX/XX/XXXX of XX/XX/XXXX I was no longer allowed access to my account there.

I called to have them stop the Auto pay, since I had paid off the account, and was told then they would. They didn't ... ..

I called again in XX/XX/XXXX to again have them shut off the Auto pay, I was then informed that I needed to go to the Bank I had set it up with to have it shut off. I told them that it was on their website, and they are the Bank I set it up with. I was then told to log into my account and shut it off, I explained that I don't have access to my account on line, and I needed them to shut it off. I was transfered to IT, and was told that the account had been closed back in XX/XX/XXXX, and that is why I don't have access to it. I told them that the Auto Pay needed shut off, he said he had access to it, and will do it for me right then.

In XX/XX/XXXX I had to call again to get them to shut off the Auto Pay, they said they couldn't and I would have to go to the bank I set it up with again.

I went to my Bank that the Auto Pay is being charged to, and filled out the Stop Payment for Bank of America, and paid the {$45.00} to have it done.

I keep getting letters from BOA that the payment had not gone through. and emails about my account having a {$9.00} surplus.

And again this month they still tried to take money they aren't entitled to through and Auto Pay they won't shut off.
Consumer complaint received 2018-05-08
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: EQUIFAX, INC. (NJ)

There is one inquiry on Equifax that was fraudulently done.I went on XXXX  and file an Identity Theft Report. FTC report number XXXX.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

The card opened without my knowledge I spoke with US Bank still noot removed phone XXXX. I want to delete immediately.Re Account name US BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00}
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (VA)

I got a call from CBE Group about a XXXX debt I owe somewhere in XXXX and I live in Virginia. I have only been in the States since XXXX 2015 and this comcast account has been opened for well over 5 years according to the caller from CBE Group. Even after explaining that this is not mine and have other addresses listed on my credit report which I do n't recognize, CBE Group still went ahead and put this on my credit report. I have been denied several credit applications because of this.
Consumer complaint received 2023-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (TX)

On XX/XX/ there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.
Consumer complaint received 2023-11-09
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. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has failed to thoroughly investigate the account XXXX XXXX XXXX that is reporting on my credit report. I sent a dispute letter to the creditor on XX/XX/2023 requesting validity of their claims under the laws of Texas and UCC XXXX as well as State XXXX and XXXX statutes. It has been 11 months, and the creditor has failed to send any debt validation. Transunion is still reporting this account as verified when XXXX and XXXX have since removed this account. I am requesting that Transunion follow suit and remove this account from my credit report. A deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. XXXX XXXX did not provide the required docs including original Validation proof that the repossession of the subject vehicle was legal in accordance with the UCC, copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. Proof was not sent within 15 days of receipt of the certified letter it has since been 11 months so the alleged claim has been null and void and continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a same day transfer I talked to them they told that business days have 24 hours and same day transfer does not mean same day I was doing a wire transfer to buy a house and I could be losing the earnest money I talked three people they told me that managers were solving the situation I asked for the federal reserve number that the the title company was asking to confirm the transaction. They said that manager can not access the data base or system
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer report agency can not furnish an account without my written instruction 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.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX settlement XX/XX/XXXX. I had 3 loans which met this criteria each one was established during XXXX by XXXX XXXX XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. Per them report to Transunion my last payment was in XX/XX/XXXX on a accounts established in XXXX. and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XX/XX/XXXX. 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With XXXX XXXX still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from Transunion and XXXX and all remedies applied per the settlement.