davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
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: National Credit Adjusters, LLC (HI)

XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX   Late payment. This account was never late. {$21000.00} XXXX/XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

National Credit Adjust This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
Consumer complaint received 2018-08-28
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: Finco Holding Company LLC (HI)

XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX  This has never been late. 

Equitable Finance Company This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX Late payment. This account was never late. {$21000.00} XXXX/XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX/XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX/XXXX  XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I believe Bank of America ( BoA ) is mishandling my escrow account and the monies I have deposited therein for payment of my homeowners insurance and property taxes. They are notifying me I have no homeowner 's liability insurance. I do have such insurance ; the premium is paid by BoA from my funds held in a BoA mortgage escrow account. 

On XX/XX/XXXX I received urgent phone calls from an agent for BoA stating that I do not have homeowner 's liability insurance. On XX/XX/XXXX I called BoA and spoke with a BoA agent who told me the certificate of coverage issued to me by my insurance carrier as proof of coverage would not suffice as proof of coverage, and that BoA required a copy of the policy itself. I told him the policy itself does not show a coverage period or any premium information, and that in my years of defending residential foreclosures in state court the certificate of coverage or binder was the only documentation BoA would accept as proof of coverage. I gave him my insurance agent 's contact information. On XX/XX/XXXX I faxed him an 8-page letter with attachments including my 'continuation notice ' from my insurance company. ( Attached here. ) I filed a complaint with the NYS Department of Financial Services ( DFS ). BoA has called and written to notify me they received the DFS complaint and are investigating. I have since received a notice, not a bill, from my insurance company stating the premium is due on XX/XX/XXXX. 

I changed insurance carriers in XXXX. BoA paid my old policy premium and a few weeks later paid my new policy premium. Shortly thereafter they notified me I had no insurance and threatened to purchase force placed insurance. I filed DFS and CFPB complaints. BoA notified me they would not bill me for force placed insurance. I know they paid my new, current, insurance carrier, because documentation I received from my carrier showed payment in full by mortgagee BoA. I was unable to determine if BoA handled my escrow funds correctly because they refused to provide plain-English documentation of payment of either premium. 

BoA needs to pay my homeowner 's insurance policy premium in full once a year and stop XXXX around with my escrow account.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (TX)

I paid Experian XXXX to keep my credit updated. 
Within in 24 hours my credit report has wrong information on it I try to call them about the matter, but the 2nd time they would not take my call This company mislead me to think they could help with my credit They have managed to make matters worst. 
Account were not updated XX/XX/XXXX, for XXXX XXXX XXXXXXXX Payments on other accounts not updated My phone number on my personal account was wrong, which they are using my phone number XXXX XXXX XXXX to contact me I never used this phone number and the information on the accounts are wrong They put a new credit card on my file which I told them to cancel XXXX XXXX XXXX the last time this account was update was XX/XX/XXXX In good standing Date opened XX/XX/XXXX Balance - Status Open/Never late. 
XXXX  XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$6400.00} Status Open/Never late. 
XXXX  XXXX In good standing Date opened XX/XX/XXXX XXXX {$2700.00} Status Open/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX XXXX {$4000.00} wrong Status Open/Never late. 
XXXX XXXX  In good standing Date opened XX/XX/XXXX XXXX XXXX XXXX Status Open/Never late. 
XXXX In good standing Date opened XX/XX/XXXX XXXX {$0.00} Status Open/Never late. 
XXXX XXXX  XXXX
Consumer complaint received 2024-04-13
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 hope this message finds you well. I am writing to express my continued dissatisfaction and concern regarding the unresolved issue of fraudulent items in our records. Despite our previous attempts and numerous communications, it is disheartening to note that these fraudulent items persist. 

We have provided comprehensive documentation and evidence to support the removal of these fraudulent items, highlighting the detrimental impact they have on our operations and financial standing. Despite our efforts, there has been no tangible progress in removing these erroneous entries from our records. 

We urge you to escalate this matter and allocate the necessary resources to expedite the removal of fraudulent items from our records. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX  XXXX XXXX XXXX : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$8800.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2023-07-10
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. (NV)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights. 

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 Has violated my rights. 

FCRA S 605B ( 15 U.S.C S 1681 c-2 ) Identity Theft 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 receipt.

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 7 years.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (TX)

I do not have a signed contract and or knowledge the company Receivables Performance Mgmt which also goes by the name of RPM. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$540.00}. It is against the law to collect on a debt that is not associated with the original collector and RPM has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to RPM
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called me from ( XXXX ) XXXX at XXXX XXXX  stating that someone was trying to open a checking account under my name that already had two ( 2 ) Zelle transactions pending ( XXXX $ and XXXX $ ). I stated that no i did NOT authorize a checking account to be open with XXXX XXXX XXXXXXXX. Then the XXXX associate stated that she will transfer me to Zelle to get those pending transactions removed using the case # XXXX, using Code XXXX for zelle transaction ( XXXX $ ) and code XXXX ( XXXX $ ). She transfered me to Zelle where i spoke with a zelle representative ( XXXX XXXX ) under phone number ( XXXX ) XXXX. The Zelle representative told me that i would have to send the codes through my Zelle to there supervisor, in order for me to use zelle again. I stated that I need to use Zelle because my brother just passed away and i will have to make some payments to a mortuary /cemetery etc, so i will need my Zelle unfrozen. I followed instructions from the Zelle representative to send this codes as transactions to Zelle Supervisors through Zelle ( XXXX XXXX XXXX ) : XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$990.00}. 
XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$980.00}. 
XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$490.00}. 

XXXX XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$990.00}. 

XXXX XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$990.00}. 

I have been asking Zelle by calling number ( XXXX ) XXXX to refund me the transactions to unfreeze my zelle account and they refuse to do so. Zelle states that I need to send another code of {$1500.00} for then to refund me all my money back. I asked again today XXXX XX/XX/XXXX for a refund and they still refuse to do so until I send the last " code '' of XXXX dollars. 

Even to this day you call ( XXXX ) XXXX its states Zelle Fraud. 

The other Zelle number is ( XXXX ) XXXX
Consumer complaint received 2024-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I filed a dispute with the credit reporting agency XXXX on XX/XX/XXXX. Because your company is reporting a charge-off account on my credit report. With misleading and inaccurate information. Your company is violating my consumer rights under the Fair Credit Reporting Act section 623-Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C. 1681s-2 ). This account is reporting a past due amount of {$640.00} when in fact there should not be a past due balance reporting on a writen off credit card account. The account closed date does not match the payment rating on my XXXX credit report. And the payment history rating is missing for the month of XX/XX/XXXX when the account was first opened. These inaccurate items needs to be corrected, modified or deleted. ( Please See Attachments )
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (KS)

On XX/XX/XXXX i found my debit card was shut down. I looked on my mobile app and discovered a fraudulent withdrawl of {$1800.00} on my account. I still had funds, but the bank for some reason shut down my debit card. I called fraud line and was told to go into local branch the next morning to file written notice and open a new account. I did this on the XXXX of XXXX. ( US BANK ). I have gon back to the branch and talked with Fraud line. Both are telling me it could be up to 3 months to get my money back into my account. The money was taken out at a XXXX branch with a withdrawl slip. The bank had to think something is wrong wwhat other reason would they shut down my account? I dont think i should need to wait 3 months to get my " protected '' money back.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I can not reach Bank of America. They will not respond to any messages, nor will answer their, Customer Service, telephone line. I message them constantly. My last message to them : 3 XX/XX/XXXX  Absolutely the worst back in the world. I paid through my checking account and sent two checks in the amount of {$180.00} to my account a month ago and it still hasnt posted to my account. What is going on with you? 

I have called your customer service, line, spent over an hour on hold each time, five times; wasting five hours of my time over the last month with no one ever answering me. Im praying Bank of America will go out of business immediately and every one of you lose your jobs. YOU are ridiculous and disgusting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Idaho XXXX Phone : XXXX XXXX XXXXstudio Why dont YOU call me? 
( I KNOW you wont ). 


You have a new online bill from Bank of America Credit Card Account Number : XXXX Due Date : XX/XX/XXXX  Total Minimum Payment Due : {$70.00} Statement Balance : {$210.00}
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

I have a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX  my original loan was with XXXX  until they were indicted been sold off to XXXX XXXX XXXX who promised me a modification made me go into default and then while I was in XXXX they foreclosed on my property this unaccredited service or XXXX XXXX  based out of XXXX what is going on here. I am in litigation and I need assistance Does this agency really protect the consumer. I tried to modify my loan in XXXX What does property in XXXX and put a ton of money into it. They purposely did not want to modify my loan. To collect fees from the Fed. There is a case of XXXX County court the property is XXXX XXXX XXXX XXXX XXXX XXXX mass I have been obliterated by these banks please assist as I may have to go to the press for this entire event, this is ruining our socioeconomics in the country running our children and our economics with unfair play. Please assist XXXX XXXX XXXX. A law firm called XXXX XXXX XXXX XXXX  based out of XXXX illegally foreclosed on my property on XXXX XXXX put it on auction and illegally sold it off without proper notice and jurisdiction of the Commonwealth of Massachusetts. Supposedly the new owner never closed he came to my door and told me he bought my house online. I have no Trust passing signs on my property and yet he still knocked on my door looking in my windows I filed a complaint with the police department. I am suing the servicer the bank and the attorney that represented the bank or an accredited service are based out of XXXX Florida XXXX XXXX who I never heard of Ive been paying my mortgage since XXXX taxes insurance maintenance this is got to stop please assist
Consumer complaint received 2024-04-13
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: EQUIFAX, INC. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I obtained my free credit report and saw inquiries I have no knowledge neither did I authorize these hard inquiries that have been made on my credit report. They don't relate to anything I've done. I'm worried these inquiries will effect my chances of getting a home. Please remove these unauthorized inquiries from my credit report ASAP under 15 U.S. Code 1681c-2. Unauthorized Inquiries : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX
Consumer complaint received 2023-11-17
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. (FL)

I recently received a copy of my credit report and noticed that there is unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand them that remove the listed inquiry immediately. 

XXXX XX/XX/2022
Consumer complaint received 2018-08-28
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: ERC (VA)

while checking my credit report with XXXX i noticed an account that stated that i was derelict in the amount of {$640.00} but was a balance of {$0.00} as present.i have no knowledge as to where this comes from. i have never had any relationship with this account.
Consumer complaint received 2023-05-08
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. (TX)

I paid a loan back in XX/XX/XXXX never been late Also I have proof where it says that my account was paid in full and also receipts never late XX/XX/XXXX guarante loan report my account with late payment Which already my account was close my credit score drops XXXX points My loan amount XXXX $ Was open XX/XX/2022 My 3 credit bureau need to be update soon is posible Im in process to get a house
Consumer complaint received 2023-06-28
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. (GA)

This is my fourth 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. 
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