davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate.

The discrepancy identified is as follows : XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number.

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing.

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report.

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act.

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX XXXXXXXX XXXX ( 1st ) Loan amt. {$180000.00}. Payoff from mortgage loan {$100000.00} cash to seller {$61000.00}. XXXX XXXX XXXX ( XXXX ) XXXX XXXX finance charge XXXX ( 3rd ) XXXX Bank of America gave XXXX {$170000.00} XXXXXXXX XXXX  Bank of America is the ( 4th ) mortgage company and XXXX Mortgage is ( 5th XXXX XXXX  went back and forth with this Loan. In XXXX there was {$12000.00} overage. 

There is no explanation why there is 5 Mortgage Loan on this House. We owe the same amount now, as to when we built the house 23 years ago. I have Investors calling offering me XXXX for this house. We have never miss a mortgage payment.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed this collection that have randomly appeared on my credit report from a compy called XXXX XXXX XXXX All transunion and XXXX do is send me back a standard answer of verified. When they fail to send me the legal documents that they use to verify this account which is unlawfully being reported on my credit report. I have never done business with this XXXX XXXX XXXX company nor did I give them permissible purpose to report this inaccurate account on my report.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

Bankruptcy XXXX Case number XXXX XXXX RE : Results of Reinvestigation I recently contacted XXXX @ XXXX  XXXX  XXXX XXXX ) regarding information associated to to my file. In accordance the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 es seq. ), XXXX filed my dispute regarding the following data with the listed entity. 

Dispute date : XX/XX/2023 Dispute Filed with : Equifax As of the date of this letter, the Disputed information was removed from my file at XXXX. Please note when information is removed from my consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by XXXX. XXXX have Disputed this information on XX/XX/2023 on my behalf with the Credit Bureau listed below, but have not received a response from it.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma (CA)

Received by mail visa debit card with paperwork thanking me for opening this account. I did not open the account. I have contacted Credit Karma 3 times to close and investigate this use of my personal information. Three times they have referred me to their special team who would be getting back to me by email, which I provided and was verified by their agent. 2nd time I called back since I never received an email from them, I was told the case had been closed since my email was invalid. How can that be? They verified it. They had no response to this and started a new inquiry. Its been a day and a half, still have no email yet. I have been checking my email multiple times, along with my spam folder. This morning, I found on their website a location to send a complaint, XXXX hours ago, nothing yet. To me this is very poor customer service! 
I have filed a report with identity theft.gov and frozen my credit with the XXXX credit bureaus. Want to close this unauthorized account before it creates problems.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (CA)

I hereby submit my complaints on how Gregory Funding has handled my mortgage ever since itwas transferredto them on XX/XX/XXXX. 

Complaint # 1 I requested for Covid forbearance on XX/XX/XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX and no Covid Code had been put on my account. I asked her to escalate my request because Gregory Funding had mailed out a " demand '' letter which was going to expire on XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX. She confirmed that they had received my Covid questionnaire and all supporting documents and that they had been forwarded to loss mitigation for review and processing. I also told her that my tenant had received approval for the XXXX ( XXXX XXXX XXXX XXXX ) but we were yet to receive the funds. Therefore, it made sense to put a Covid Code ( Covid Forbearance ) on my mortgage account as we waited for the funds. 

I am disappointed at the slow pace that Gregory funding is taking to handle my mortgage account yet they do not hesitate to send out correspondence that supports them to initiate the foreclosure process on my mortgage account. 

Complaint # 2 Gregory funding also mailed me monthly mortgage statements that misrepresented my suspense account balance. By doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. 

Complaint # 3 I received a letter dated XX/XX/XXXX from Gregory Funding titled " Notice Of Insurance Escrow Cancellation ''. It stated " As of XX/XX/XXXX, we will no longer disburse funds from your escrow account ( also called an " impound ' or " trust '' account ) to pay insurance premiums for hazard insurance because : X We are terminating your insurance escrow. 

Before Gregory Funding assumed my mortgage, I had an affordable mortgage payment which included taxes & insurance. As of today, my mortgage property taxes & insurance are NOT included in my monthly mortgage payment. 

Efforts to resolve the above complaints by phone have been fruitless due to long wait times on the phone ( 2 hour hold times ). 

Expected Result From Gregory Funding : 1. Covid Forbearance : Review my account for Covid Forbearance ASAP and stop my mortgage account from progressing towards foreclosure.

2. Affordable Mortgage Payment : To give me an affordable mortgage payment that includes taxes and insurance.

3. Trial Modification : Put me on a TRIAL MODIFICATION Immediately. 

Thank you for considering my request.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

This is the third different complaint related to the same issue with PNC Bank. First PNC rejected the original and perfectly legal power of attorney presented to them. Then they requested that I use their POA form to accomplish the same task. Now, they rejected that perfectly legal notarized New Jersey PNC POA form stating that the notary didn't properly include the agent 's name ( me ) in the description of what she was notarizing. Perhaps PNC should design their forms to make it clear what they require because on the line that includes the name of the principal there is only room for XXXX name. I don't blame the notary because the form is very poorly designed. In the meantime, PNC has insisted that I use their form, which I did, and now they won't accept it.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2017-03-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Diversified Recovery Services Inc. (TX)

diversified recovery systems keeps calling me acting like they are process servers and saying they are coming to serve me at my job, I will be arrested at my home, my wages will be garnished, they will tell my job about my debt. they also said they will tell my references about my debt. they have called with a man pretending to be an investigator. he left a message with a " legal case '' number to call back with. they are also trying to collect twice what is owed, and XXXX is still trying to collect the original amount.
Consumer complaint received 2024-04-03
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights. 

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 an 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 seven 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 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (KS)

Filed the administrative process outlined by the Bill of Exchange Act, Federal Reserve Act sect 16/29 and XXXX. This is the proper way to discharge a debt. They failed to respond to my numerous certified and notarized letters. They are now in default and they should comply with the instructions given in the letters. They have received a certified XXXX XXXX XXXX letter. They still choose to ignore and violate my rights anyways. They still are harassing me by call me on the telephone twice so far.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Solidus Group LLC. (TX)

I have been receiving phone calls from XXXX threatening me with legal action for a bad check and loan and to settle the account with them, but would not provide any details on where this orginated from. I know for a fact I have not written a check in over 15 years and nor am I delinquent on any loans and or credit cards I own. This company called themselves XXXX and had my personal information to include SSN, old contacts of mine and previous old addresses. I checked this number and saw several complaints regarding the same issue and when I called them back to call them out on their fraud and identy theft, the gentleman on the phone became threatening and disconnected the phone call.
Consumer complaint received 2022-11-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/2022 I sent TransUnion a dispute letter demanding to remove 3 accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXXXXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with XXXX and XXXX and same accounts, except XXXX has a account XXXX XXXX {$840.00} that I also demanded to be removed.
Consumer complaint received 2023-11-09
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. (KS)

I was notified by XXXX XXXX that a new account had been reported on my Transunion record. XXXX XXXX asked me to verify the accuracy of the information that Transunion had reported. I signed into my XXXX XXXX account and noticed that there was a soft hit, a hard hit and an account which was not of my doing. I called the credit card issuer and spoke to a representative who informed me that the address on the credit card was not the address I had given as my address. I then immediately went online to the three major reporting agencies to alert them to fraudulent activity on my account. While on the Transunion site I filed a complaint to seek to have the fraudulent account removed from my report. According to the response that I received from Transunion, they had contacted the card issuer and determined that the account was valid and that my complaint was therefore invalid.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Consumer complaint received 2023-11-04
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Prepaid has made my life a living XXXX. Each time I call in, I have to go through a random verification process. Even though every single answer to their verification questions is accurate and remains the same, there are times they can't verify me. Because of this, they expect me to go to Bank of America when I'm sick and haven't left my home in months. I was advised that my replacement card was shipped on XX/XX/XXXX, and in order to get the status of my replacement card, I need to go into Bank of America. Again, I am not well, and my condition is only getting worse because Bank of America refuses to release my funds. Please help!
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My brother sent me an antique clock by XXXX from New Hampshire to my vacation home in XXXX XXXX XXXX, XXXX. The charge was {$400.00} for this clock. This was sent on XX/XX/23. 

The clock never showed up and got stuck at customs in XXXX, XXXX. XXXX said they couldn't deliver the clock and were going to send it back to NH. I told them to send it to my main residence in XXXXXXXX XXXX instead where my inlaws live as well. 

XXXX never mentioned there would be any charges to reroute the package since they wouldn't deliver it to the original destination as promised. They just said to make a XXXX account and they would send it to that address. I did this then all of a sudden a week or two later I found a {$1400.00} charge on my Capital One  credit card on XX/XX/23. 

This is a fraudulent charge and I never authorized any additional charges other than the original {$400.00} charge to ship from NH to XXXX. 

I have made numerous attempts to dispute this charge and fraud by XXXX to Capital One and neither company will do anything about it and say because we signed up for a XXXX account that gives them the right to charge whatever they want, which is absolutely absurd. It is approximately 30 miles from XXXX, XXXX to XXXXXXXX XXXX and they just decided to charge whatever they wanted without informing me or telling me there would be any charge whatsoever. 

I have email proof of all this and attached all kind of documentation.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and disappointment regarding the charged-off accounts that continue to appear on my credit report. I have previously disputed these accounts on multiple occasions, providing detailed explanations of the Fair Credit Reporting Act ( FCRA ) violations that have been committed against me. I have now taken the extra step of highlighting these violations with supporting exhibits and attached documents in this complaint. Despite my efforts to rectify this situation, these charged-off accounts persist on my credit report, causing severe damage to my financial standing. I strongly urge you to thoroughly investigate this matter, rectify the FCRA violations, and ensure that my credit report accurately reflects my financial history. 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 2023-07-18
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit 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 items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 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 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} 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 an alleged identity theft, not later than 4 business days after the date of receipt.