davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-10-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure Sale date  is XX/XX/XXXX XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is America 's Wholesale Lender and they are a fictitious lender that was used by Countrywide Home Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for home loan with Bank of America again. My current home was finance by them, and I paid it off with ten years a thirty year montage. I applied was preapproved and told about the discount for XXXX  and me being a good consumer. Application # XXXX. Several week later I had to submit document, and told I had to pay for appraisal and credit report. I submitted the payment via debit card. I ask Mr. XXXX XXXX XXXX XXXX why so early, and have my credit report which is free for BOA clients. Several weeks later I was phoned that my loan was denied, and I will get results in mail. I received the letter from BOA that unable to verify income. My paycheck has been submitted to my checking account since 2008 with BOA. I did closed on the property and had to repay for a new appraisal fee. I ask several times about refunding the fee, and no response. The new mortgage company could not use their appraisal, which was never done, because house was not build. I never received a appraisal report. I have been a loyal customer since 2008, but They are no longer have me as consumer. I want to resolve this issue by mailing my appraisal fee back to my new address. I had very good experience with Bank of America, but after this incident they have lost me as a customer. Everyone says BOA has poor underwriter for home loans and they need to terminate all their underwriters. I am closing all my account with them and going with another bank.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Synovus Bank (GA)

I noticed that my cellular device lost service. I notified my phone company and they fixed the issue on the XXXX of XXXX. On the XXXX of XXXX I experienced the same issue. I contacted the phone company the same way I did on the XXXX. The phone company notified me that I should change sim cards to ensure security. The following day XXXX XXXX ) I logged into my bank account and saw XXXX XXXX dollars had been drawn from my account via a XXXX transaction. I notified my bank and filed a dispute. I also filed a police report on the XXXX. I contacted my bank numerous times throughout this process and was given " the run around ''. The bank failed to notify me on any sort of update throughout this process. On XX/XX/XXXX I received a letter in the mail stating the " transaction was valid ''. I appealed the decision on the XXXX and have not heard an update. I have tried to contact the dispute department and request the documentation they used to determine that the " transaction was valid ''. I have also requested that the supervisor contact me to provide documentation " proving these transactions were valid. I have not received this information and no one has reached out to me. I am now seeking professional help to get this resolved.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (NY)

I opened account with Gemini Crypto Exchange located in New York. I deposited money using Gemini ACH direct deposit. As soon they collected funds from my XXXX bank they frozen ability for me to use my funds. I can not even withdraw them back to my XXXX bank account. 

I tried to submit numerous tickets. I tried to call them. No response at all. 

Please let me know if you can help. 

Thank you,
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX, we got a XXXX XXXX Credit Card to purchase 2 refrigerators. Putting them on the card allowed us to get a good discount. On XX/XX/XXXX, we spoke with an agent who gave us the payoff amount and we paid the balance in full. On XX/XX/XXXX, we were billed an additional {$42.00} late fee, which was incorrect. We disputed this charge with XXXX XXXX Credit Card, but eventually paid it after being threatened that if we did not pay it, it would go on our credit report. We paid the {$42.00}, and our balance was {$0.00}. But now XXXX XXXX Credit Card has reported this to our credit. We have asked numerous times to have this removed, only to be put on hold and disconnected from the call each time. Based on this terrible bait-and-switch service and fraudulent treatment on the part of XXXX XXXX Credit Card, we have asked several times to close our account, yet as of today ( XX/XX/XXXX ), our account is still open with a fully available credit limit. The treatment we received is clearly unfair and deceptive, and is consistent across everyone we spoke to ( even after spending an excruciating amount of time trying to get to a live agent ).
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 4 inquiries on my credit report showing up on all three bureaus that do not belong to me I have tried solving this with the bureaus as well as the furnishers but they will not help me I need to remove these from my credit account since they do not belong to me I have not authorized or know what these inquiries are for. 

XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-11-02
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: DISCOVER BANK (NY)

In accordance with the fair credit reporting act, this creditor " Discover Bank section 6 o 2 : had violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (NY)

On XX/XX/2021, I used Xoom by XXXX to send {$20000.00} plus {$74.00} in fees to XXXX. 
The money was taken from my account immediately and despite that I still had to send various documents such as W-2 form, bank statements, etc. and still after almost 2 weeks, the recipient in XXXX has not had access to the money.
Consumer complaint received 2021-05-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

I received an alert from XXXX  Credit Bureau of a collection from the following company : Lockhart , Morris & Mont XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX I never received anything in the mail regarding a debt for XXXX  XXXX. I made several attempts to contact XXXX  XXXX and in one occasion, I was told by a lady in the name of XXXX the debt was for back in XX/XX/XXXX of XXXX. This is almost 10 years ago. I explained to her that I never received a statement I that I had moved 3 times within the past 10 years. She could not give me much information as it wasnt available. I requested to speak to a supervisor at their Financial Services department and was transferred to a XXXX XXXX. I left 2 voicemail messages for her and as of today, I never received a callback to address this concern. 

I disputed this collection with XXXX  and they verified that the collection agency verified as being accurate. My concern is that this is past the Statue of Limitations which I believe is 5 yrs and this collection is just now appearing on my credit. I need help with this matter. I need this collection agency to remove me as soon as possible. 



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Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (IL)

I have been informed that my personal data was compromised by the Equifax breach in the summer of 2017. I assert that this breach was a combination of the lack of proper security controls ( initial breach ), the lack of sufficient security response ( duration of breach ), and the lack of transparency ( duration between knowledge of breach and notification of potentially impacted individuals ). While I have yet to  verify any loss, I will now incur charges due to putting in place credit freezes, credit monitoring, and am exposed to the potential of income tax fraud.
Consumer complaint received 2024-03-26
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX  and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted TransUnion. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact XXXX. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX got their information since they could not provide me with an answer.
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management has given my information to different debt collectors in the area and my harassment has increased. I have gotten about XXXX letters from different agents pointing that they got the information from Midland and that i 'm about to be sued or should declare bankruptcy. This is an over reach and harassment started by Midland Credit. They acquired a debt that I had worked out with the creditor before hand and have been harassing every since. Before this, I was receiving up to XXXX calls a day.
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (MO)

I am paying on a chapter XXXX bankruptcy and the company " Radius Global '' will not stop calling me at my request and my attorney 's request. They call over 4 times every single day and I've even spoken to them to stop.
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

On XX/XX/XXXX, I received a letter from Debt Recovery Solutions ( DRS ) and a subsequent fraudulent/counterfeit bill. DRS claims they are attempting to collect a {$2000.00} medical debt for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX who have both agreed I do not owe them a debt, although DRS continues to harass me over this blatantly fraudulent claim. I have made multiple complaints about this debt and each time DRS agrees to stop collection attempts, although it appears they simply create a new case number and begin this entire process again, after they report to you that they will not seek to extort money from me again. The most recent bill has DRS account number XXXX and claims I owe them {$200.00} this time around. I wrote them and requested original documents, which have never been produced, only the attached counterfeit bill. I am again coming to you for relief from this malicious and fraudulent collection attempt by DRS. The previous complaint number is XXXX, which DRS reported or claimed that they would cease their collection and malicious credit reporting behavior. Mr. XXXX XXXX name is printed on the documents and I am requesting that he be investigated by someone who can drive to DRS, located at XXXX XXXX XXXX, XXXX XXXX in XXXX, NY XXXX and interview him about the counterfeit documents he is sending through the US Postal Service with the intent to commit fraud.
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (GA)

This is the second time in less than 6 months that Equifax continues to report an erroneus COLLECTION account as PAID even after the furnisher of the information, XXXX XXXX XXXX ( XXXX ) sent a deletion request to all three credit bureaus. XXXX and XXXX  immediately deleted the collection upon receiving the DELETION request from XXXX 0N XX/XX/2021. Unfortunately, instead of deleting the collection account # XXXX for {$200.00} allegedly owed to XXXX XXXX XXXX, Equifax decided to change it to a PAID collection. This is wrong and it has significantly affected my credit rating. 
I filed a dispute with XXXX on XX/XX/2021 after noticing that they had changed the collection to PAID instead of DELETING it, I called many times without much help. On XX/XX/2021 XXXX supposedly completed their " investigation '' and concluded that they were reporting correctly in total disregard of the DELETION letter from XXXX. This lowered my credit score and put negative information on my credit file at a time when I am just weeks away from closing on my first mortgage. 
Today, I just filed another dispute with XXXX about the same issue again. I have attached the DELETION request from XXXX as well as XXXX XXXX report closing the investigation stating that they were reporting correctly when they were not. I would like XXXX  to prioritize my request for them to report correctly on this account by deleting it as requested by the data furnisher just like the other two credit reporting bureaus.
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kimball, Tirey & St. John LLP (CA)

XX/XX/XXXX XXXX, XXXX Kimball , Tirey & St. John LLP, in co-operation with The XXXX XXXX XXXX XXXX reported to XXXX  a debt that was discharged in XXXX due to a bankruptcy filing. XXXX, XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX transmitted an electronic email to me ( XXXX XXXX XXXX the email stated the reason ( s ) why our recent rental application ( s ) were denied by The XXXX XXXX XXXX XXXX XXXX XXXX  has since reported this alleged debt and it has caused significant damage to our credit worthiness.
Consumer complaint received 2023-08-09
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

Between XXXX, I suffered major financial hardship and losses due to identity theft. I had every bank account app on my phone hacked and financial info changed and uploaded documents and checks that were not from me via these applications. During this, NFCU had flagged a check that actually was not uploaded by me or my device. They immediately froze all of my accounts, cancelled my debit accounts and literally within minutes I had no way to buy groceries, gas for my vehicle, or pay for anything while being a single mother. I contacted them and was told nothing could be done and that my bank accounts were now in " credits only ''. The closest navy federal to me is about a one hour drive away. Because I had no gas and no access to money ( but a little change ) I had to take the bus all the way there and beg them to release some funds to me so I could I could feed my kid. That day XXXX filed a written statement, verified who I was, provided my device info to prove that I was not the one who uploaded the check in question, as well as provided copies from equifax, my other banks that verified fraud on those other accounts and appealed the bank to please unfreeze my accounts and allow me to manage my finances online as usual. I had to wait 7-10 business days for a response while my accounts remained frozen. I was then told that they would be closing all but my savings account due to my credit card with them that also had fraudulent charges ( which they never refunded ). It took me 4 months to receive my direct deposits from social security, the VA and retirement allotment due to needing a new bank account and navy federal kept accepting the direct deposits without allowing me access without travelling to the bank and then having to take all the money out cash at one time in a bad neighborhood, inability to pay my bills online causing me to purchase prepaid cards and money orders/cashiers checks costing me more time abd money. I have appealed to have my obline access restored and my accounts restored as I have been in recovery mode after id theft. and denied without any factual reason as to why I could t have them restored or given online access.
Consumer complaint received 2023-08-09
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.