davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MI)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with rent recovery solutions/ XXXX XXXX XXXX these debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I lived in a different state ( texas ) since XXXX  just now moved back to michigan in XXXX was not in the state when the debt occured I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information . It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform, XXXX XXXX XXXX, that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
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: CCS Financial Services, Inc. (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (GA)

XX/XX/XXXX : I am receiving information from a collection agency requesting I pay BMO Harris Bank {$890.00} for a checking account opened that is in my name. I never opened an account with BMO Harris Bank ever. XXXX XXXX XXXX  sent bank statements from XX/XX/XXXX until XX/XX/XXXX stating I deposited {$4900.00} and withdrew {$5800.00}. It has my name and address but this is not something I did. I called the Bank last year and left a message with a man and told him I never opened an account. I had asked for a signature card or any information that they could give me that shows I opened an actual account with them ( I did not ). No signature card or information except bank statements with my name and address. Someone fraudulently opened a savings account in my name and withdrew money ( over drawn ). It was not me.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I applied to American Express after looking over their offer for XXXX Hilton Points after spending {$2000.00} on their Credit Card. ( XX/XX/23 ). 
I was accepted for the offer and Credit Card via their online verification. 
I received the Credit Card a week later and begin purchases. 
I called to today to check my balance, etc and was told I was not accepted for the Hilton Honors Offer. I have spent over {$1900.00} as of today. ( XXXX ) Talk about deceptive practices. I was never informed via email, letter in the mail that I was not accepted for the offer. They did send the Credit Card but no mention of the offer not accepted. Horrible Business Practice and Very Deceptive. 
I spoke XXXX ( Supervisor ) at American Express and he apologized over and over but said he could not do anything about this. 
Thanks, XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received a collection letter from Transworld Systems , Inc alleging that I owe a debt to XXXX in the amount of {$60.00}. I immediately wrote a letter to Transworld to dispute the debt as " not mine '' and asked for proof that I owe this alleged debt. I have yet to receive any response to my request. I did contact XXXX and it appears that they made a mistake and billed the incorrect person. XXXX has corrected their error, however Transworld Systems , Inc. refuses to remove the fraudulent account from collection even though there is nothing to collect. I have filed complaints with the Texas Attorney General as well as with the XXXX. Upon searching this company online, there have been a multitude of people that have experienced similar situations as mine. This is a fraudulent collection account that never should have been placed for collection to begin with because it belongs to another person- not me.
Consumer complaint received 2023-11-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with IC Systems, XXXX XXXX  this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a XXXX  that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform I C SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (FL)

Innovis, I am requesting a copy of my report. 

And, I am requesting you update my contact details with those attached. 

Attached to this complaint are : - complaint - drivers license - social security card - Proof of address Please handle this immediately
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (PA)

Someone applied for cards using my name and an old address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 2023
Consumer complaint received 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

On XX/XX/2023, I called Nelnet, my loan servicer that I was only a few of my loans had been approved for the XXXX program. After waiting for XXXX hours, the representative told me that I had to consolidate my loans in order for all of my loans to be approved for XXXX program. A few days later, I believe on XX/XX/XXXX, I applied for consolidation of my loans and the XXXX program again. I only did this because I was told this was necessary for all of my loans to be under the XXXX program. 

Later, in XXXX, I tried to log onto my Nelnet account, but the number associated with my identification verification was incorrect. I called Nelnet on XX/XX/XXXX to find out if my identity had been compromised and after waiting XXXX hours again, I was told that my application had included this unknown number I have never used before, but my identity was not compromised. During the conversation, I asked about my XXXX application and we talked about my consolidation and this representative said that it was unnecessary to consolidate my loans and that it may increase my interest. He said the office was closing and that he would call me back on XXXX, XX/XX/XXXX, to try and unconsolidated my loans and apply again for the XXXX program, but he never called.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southern Auto Finance Co (FL)

OnXX/XX/2021 I was involved in a crash caused by XXXX XXXX Police. They Collided into my car on both sides, busted out my windows and pointed big guns at me, They said the reason for this was because they thought I was a suspect they were looking for. They didnt provide with me a case number. I didnt know until after I was supposed to be given one. Since I didnt have a case number I was stuck with the damaged car. Im only XXXX XXXX XXXX.
Consumer complaint received 2023-12-27
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: EQUIFAX, INC. (LA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (MI)

A transfer of {$1400.00} was made from my account, I contacted PayPal about the transaction that the money had been sent to a locked account and I requested for a refund but they told me there is nothing they can do about it, they said the money is gone, I sent them several proofs that the recipient account has been permanently locked and they should help with my refund of money but no response
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All XXXX credit reporting companies are give my information to all the get out debt companies for which they don't really want to help i have talked to XXXX of them and all they want me to do is put money in a trust account and then they will call the creditors and make a settlement for which will take about 90 days. So that meant to me was i probably be sued by the ones not being paid during this time I'am supposing saving to money to a settlement with a company. I have a lot of debt right now and trying to make arrangements with my creditors. I get anywhere from XXXX to XXXX offers daily about consaladateing my debt with a loan but that is not the case they don't loan money with a lower payment they are just legal loan sharks.
Consumer complaint received 2023-09-20
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: CITIBANK, N.A. (RI)

On XX/XX/2023 there was a charge made to my citicard credit card for {$63.00} fraudulently.Citicard has refused to fix this. I WANT PROOF THAT I MADE THIS CHARGE. Citicard wants me to bend over backwards and do all the work, I have filed reports with my local police dept, RI attorney general, CFPD, FTC, all 3 of my credit bureaus, and reached out to an attorney. Citcard continued to charge me late fees while being disputed and reported that i was merely being delinquent in payment. It dropped my score XXXX point and continues to affect my score negatively and impacting my natural order of impeccable credit that i worked 27 years to establish. i finally paid the fraud charge in order to stop the process and take legal action the right way. Again, i demand the proof that i made a subscription charge to XXXX on XX/XX/203. 

XXXX Police report filed XXXX dispute filed and fraud alert placed on credit CFPD complaint XXXX # XXXX Report fraud FTC Report XXXX : XXXX Consultation with XXXX XXXX
Consumer complaint received 2024-03-16
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. (CA)

I sent a letter onto remove items that is 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 or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

We recently sold our house on XXXX XXXX and OCWEN is the mortgage servicer. Complete payoff was sent on XXXX XXXX to OCWEN. We had to file a complaint with the CFPB just to force OCWEN to process the payment and show that our loan was paid in full. Now, OCWEN is holding {$340.00} of overpayment in a " suspense '' balance. They have had this money since XXXX XXXX and have paid us an escrow refund but not the suspense money owed to us. They also received a refund of our property taxes of {$600.00} paid on XXXX XXXX. That money has not been returned to us. OCWEN has now had the " suspense '' money for over XXXX month and the property tax refund for at least XXXX weeks. On a payment reconciliation report OCWEN provided to us through another CFPB complaint, dated XXXX XXXX, OCWEN did not even show receipt of the property tax refund. Once again, OCWEN is sitting on money owed to us - effectively stealing our money and earning interest on our money. With today 's technology there is no reason a mortgage cant be paid in full with all suspense moneys and refund monies being paid back within XXXX weeks. Our last complaint through CFPB ended with OCWEN admitting they had a system error. Is this another system error, or another way to earn interest on monies owed to consumers?
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

My experian credit report is showing that there was a missed payment on my federal student loan 11 times in 2017. My federal student loans were consolidated and transferred to a new servicer at that time, automatically, not at my request and there was never a payment missed.
Consumer complaint received 2023-11-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Firstly, I requested a quote for a delayed financing mortgage in XX/XX/2023 from Amerisave mortgage. We purchased the property in question via auction with all cash, thus was trying to borrow against the equity that we now have with the property. When the loan officer ( XXXX XXXX ) first contacted me, he gave alot of ( now known as false ) promises about how this would be an " easy '' and " quick '' mortgage application process and said I can close the loan within 3-4 weeks. I only requested a mortgage loan of $ XXXX which was only about 50 % of the equity of the property. 

Lo and behold, after countless requests for additional information and pre-payments for credit reports and appraisals, they came back and told us we were only eligible for a loan for the equity that we personally put into the house since we did purchase the house with the assistance of family members. That was an incredible blow considering this significantly reduced the amount of the loan we were requesting from $ XXXX to $ XXXX. That would have been fine if the loan officer was transparent about this from the beginning! Since our names are on the title and we own the property free and clear, we did not expect this to be the case. This happened about 5 weeks into the mortgage application process ( already longer than we initially thought ). After this of course, it was more and more letter requests on top of bank statement requests. 

Finally as we got to closing, we repeatedly told the mortgage officer we DID NOT want to include escrow. But at closing, the closing disclosure of course had escrow included. Not only was that incorrect, it also had an additional charge of {$700.00} for the appraisal! I had already paid this in the very beginning! If I did not read through the closing documents carefully, they would've charged me twice! Additionally, I was promised the loan would be funded within 3 days of closing, and it has now been 5 days and still hasn't been funded. All these events have been unacceptable and I honestly believe this company is very unprofessional and borderline scamming consumers. I had a very poor experience with both the loan officer and loan processor of AmeriSave Mortgage.
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (MN)

Company agreed to update account as paid in full with credit reporting agencies. I made payment In 2021 and the company has still not updated credit reporting agencies. I've disputed this with credit reporting agencies and the company has refused to make any updates.
Consumer complaint received 2023-05-06
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. (LA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CA)

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. 

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

DISCOVER BANK  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the DISCOVER BANK customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.