davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX, I obtained equity line of credit from Bank of America for {$25000.00} was used out of {$68000.00} approved- XXXX XXXX XXXX XXXX Philadelphia XXXX  and second equity line of credit was granted to XXXX  XXXX XXXX XXXX XXXX XXXX a balance of of about $ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX but it was not transferred. 
On the first equity line of credit I made payments from XXXX to XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a another property the city of XXXX staffs fraudulently sold. In XXXX, Bank of America without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and sold it to investor simultaneously. Still on bankruptcy, there was no monthly statement received requesting for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the city of XXXX staff sold failed. I then requested for voluntary dismissal of the Bankruptcy application. Shortly the investorXXXX XXXX XXXX, not in its individual capacity but solely as trustee for the XXXX XXXX, XXXX XXXX filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from XXXX XXXX XXXX XXXX threateningly to foreclose. XXXX Bank of America is responsible for the excessive changes I am currently subjected to. Bank of America staffs connived with the investor occupying the Building at XXXX XXXX build to defraud my chance to survive. The action of Bank of America was unfair knowing that I was in active chapter XXXX bankruptcy. Consequently, equity line of credit of {$25000.00} is now causing a demand of payment of about {$64000.00}. 
Bank of America N.A. Fraudulently changed the name on the title without my consent. The equity line of credit was obtained as XXXX XXXX XXXX & XXXX XXXX and the deed was prepared in the same names. Recently, I noticed that the name change and new deed appears on record. I am not sure how the law permits Bank of America to change the name on the deed Without my consent.
Consumer complaint received 2020-06-19
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: CREDIT ACCEPTANCE CORPORATION (TX)

Account has been closed since XX/XX/XXXX. XXXX is reporting the account is open and Im currently 180 days late as of XX/XX/XXXX. This account is a charge off and has been reporting as such for four years. This inaccurate information. And is hurting my credit with false information.
Consumer complaint received 2021-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

It has been a few years that this Company Account Resolution Service has harassed me in an attempt to collect a debt that doesn't belong to me. They have sent me billing for amounts owed and I've sent them certified paperwork stating to them that the debt isn't mine 3x as well as the bureaus. I have stated to the parties involved that I in fact do not refuse to pay a debt that I owe, but that I would need proper validation e.i. ( 15 usc 1692g ) as a consumer and a working middle class law abiding citizen I in fact have that right of decency. The company has yet to respond to my request of providing me competent evidence that this debt is mine in association with them. I have no legal binding contracts with Account Resolution Services, I have never made any verbal or written agreements with the company. ARS claims that I am in debt to them in the amount of {$1100.00}. I have and medical Insurance and has always had medical insurance. I has gotten to the fact that it is affect my credit score horribly. I have in endured this emotion suffering thru anxiety because I have exalted all corners to get fair practices thru consumer rights, at this point this is my last route before I pursue legal litigation in this matter because it is also starting to affect me financially on top of the aspects of the Covid19 devastation which has directly affected me and my family. these agressive practices should not be aloud amongst consumers.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I called Experian at the number XXXX listed in their letter in order to temporarily lift freeze on access to my credit reports. 

I provided all the ID information about myself in order for their system to authenticate me Due to their malfunctioning voice recognition system and inadequate choices on menu, I was unable to temporarily lift freeze on access to my credit reports. 

When I requested to talk to an operator, the automated system refused to transfer me to an operator. 

When I said that I would like to temporarily lift freeze on access to my credit reports, the system ended my call.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (ME)

I, XXXX XXXX XXXX XXXX entered into a consumer credit transaction with TD Bank on XX/XX/2021. I was charged a fee of {$2000.00} cash upfront for a credit card. According to Federal law, specifically 15 USC 1605 ( a ) ( 3 ) TD bank is not supposed to charge a cash fee upfront in a consumer credit transaction. Also, TD Bank failed to disclose my right to rescind the contract. Pursuant to 15 USC 1635, TD Bank is obligated to disclose my right to rescind the consumer credit transaction. pursuant to 15 USC 1611 TD bank is criminally liable for willful and knowingly failing to disclose my federally protected right to rescind pursuant to 15 USC 1635. Pursuant 15 USC 1640, TD Bank is civilly liable for violating my federally guaranteed and protected right to rescind under 15 USC 1635.
Consumer complaint received 2021-04-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (NY)

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Consumer complaint received 2021-04-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently changed computer/browser and was asked by Capital One to confirm my identity. I was presented with 3 questions/challenges pertaining to personal/financial information they would use to confirm my identity. None of the answers matched my identity, however, they did match the identity of another individual XXXX XXXX XXXX, XXXX XXXX who was erroneously added to my credit report by XXXX XXXX XXXX. 
I answered the questions with the alias 's information and was allowed in my account.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has put one 30 day late payment on my credit report and it is mine. It is appearing in my credit report two times. I have been trying to get rid of this since last six months but no luck. Every time I request, Transunion will put it onto Dispute Status and keep it like that for ever. It is really hurting my credit score badly.
Consumer complaint received 2021-04-28
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX CO on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX CARDS XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX BANK NA on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CO)

On XX/XX/2021 and XX/XX/2021 I had sent letters to XXXX, XXXX and XXXX, Regarding " Fedloans '' and US Department of Education. '' in my letter I explained to them that base on the FCRA AND FACTA guidelines, they are in violation of my rights to " accurrate and fair reporting. '' They are showing duplicate accounts that have derogatory reporting. I have asked them twice to correct/remove this inaccuracy, they have yet to do so as of XX/XX/2021.
Consumer complaint received 2021-04-27
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: Allied Collection Services, Inc. (Nevada) (CA)

Allied collection agency reported a bogus debt, which they purchased from XXXX XXXX The debt was never owed to begin with. I visited a XXXX XXXX  to get a quote for some work. I initially intended to have them perform the procedure, but after 2 visits, I realized they were very unprofessional and backed out. The work they did perform, XXXX XXXX XXXX XXXX  was covered by my insurance. After numerous harrassing phone calls and repeatedly telling them I was not interested in having the pricedure done, they began calling, trying to get me to pay, the balance i was quoted for the procedure that was never carried out. XXXX XXXX is a corporation and they regularly have failures in communication which cause appointments to be scheduled by the corporate end, then you arrive and the local office doesnt have a clue about said appointment, leading to a big waste of time. ( just to give you an idea of the type of business I'm dealing with ). Anyway, after trying to charge me for work that was not performed, and constant phone calls to myself and my girlfriend, I told them if they keep harrassing me, I would sue them. I didn't hear back, until 5 years later, when Allied reports a collections account on my credit report. The dent is bogus, I called Allied, I called XXXX XXXX, I called XXXX I disputed, but apparently the investigation is done by Allied, who I believe are just as malicious as XXXX XXXX They have not provided any documentation, and Allied keeps increasing the balance periodically, and resetting the clock and further damaging my credit report. No one will do anything about this, and now I'm being denied credit cards due to this bogus collections on my report.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

In XXXX we received a notice from our county treasurer that our second half taxes had not been paid in the amount of {$3600.00}. Taxes are paid twice a year by our mortgage company, XXXX, through our escrow account. We notified XXXX, they recognized the issue and paid our taxes as well as the interest and penalty assessment. In XX/XX/XXXX, we received our escrow statement indicating that there was a negative balance. Upon review, of their document, it clearly indicated that they had disbursed funds from the escrow account twice for the amount of the tax due. After numerous phone calls over many months, XXXX finally recognized the error and added the funds back to our escrow account. We received a letter informing us of this on XX/XX/XXXX. 
Our loan was purchased by NewRez, in XXXX of XXXX. Our initial payment statement from NewRez showed a delinquent amount of {$3600.00}. We have repeatedly tried to get resolution of the matter with NewRez. NewRez has told us that it is a problem with XXXX and that we need to work it out with them. 
Upon contacting, XXXX, we have found them to be unresponsive, although we have made repeated attempts over 5 months. However, we did receive a document ( enclosed XXXX indicating the disbursement of the taxes twice in XXXX, that the funds were advanced back to escrow XX/XX/XXXX, but a fee was assessed of {$3600.00} that they are unable to waive. 
We are attaching 2 copies of escrow statements from XXXX, one from XX/XX/XXXX, and one from XX/XX/XXXX, that appear to differ as well. Also, attached is our mortgage statement showing this item as delinquent and default related charges. Enclosed are documents to support the commentary above. Additional documents are available upon request.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MN)

I applied for a ppp loan and got just over XXXX XXXX dollars. I got accepted right away and all was well. I used my debit card to spend a few thousand dollars of the funds that had been deposited via ACH and had cleared within one business day, per usual. Then i went to TCF on XX/XX/2021 to request to cash withdrawal of {$4000.00}. They randomly felt the need to call and verify to make sure the funds were mine due to the ACH referencing sole proprietor and not my name - even though I that is the type of entity I use for my business. They verified that the funds were mine but then felt the need to lock my funds for no reason, whatsoever. Ive been asked over and over to provide an EIN number, to which I keep explaining that Im a sole proprietor and that my EIN is legally my social security number but they insist that wont work when I know for a fact thats the correct way to do it. I feel like Ive been robbed and profiled against, as I am a young XXXX entrepreneur and now I am unable to use the funds that are rightly mine. My account is now negative over {$4000.00} and they wont help at all to release the hold on my funds. The branches address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Last week Transunion had a Glitch that erased and re-inserted my credit inquiries without my knowledge. I have screenshots that can show where they were taken off and returned. This reinsertion without prior written notification are a direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquiries be permanently removed from my credit report.
Consumer complaint received 2023-06-30
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. (KY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2021-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I received an email from Experian saying my email address had been changed and if I did not make that request to report it to XXXX. I sent several messages and none have been responded to. I attempted to call and use the website without success. When I tried to log into my account and change the password, a message said the code was sent to a XXXX address. I believe access to my account has been hacked and I can not get Experian to respond while someone has access to my credit information.
Consumer complaint received 2022-10-31
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads discharged ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XX/XX/XXXX followed instructions and removed all information, see attachments
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I received a letter from a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX ) telling me owed Paypal {$2200.00}. I never received any communication from Paypal about this at all. I checked my Paypal account, and there is nothing in it to indicate that I owe any money. I only used the account every once in a while to pay for something with a credit card. My account wasn't even hooked up to a bank account. Upon calling Paypal ( I spent over 4 hours on 2 separate calls ) I learned that there was an account with my name that owed the money. I learned the email address on the account was not my email address. Upon speaking to the collection agency, I learned that they found my mailing address from sources other than Paypal, and that the phone number on the account is not my phone number. Paypal refused to resolve this issue. I explained everything to the collection agency and was told everything should be fine. I closed my Paypal account ... though I'm not sure they really let you close it completely. I never got any resolution from Paypal. They transferred my from department to department where I spoke to people all over the world ... but no resolution. Companies should not be allowed to do this to people.
Consumer complaint received 2021-04-27
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. (VA)

Im submitting this complaint against XX/XX/XXXX, Equifax, and XX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.