davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing determined on their on accord that my escrow account was under funded and are now suspending my mortgage payments and reporting to the credit agencies that I am not making my monthly payments. They did not provide any justification for the means of determining that my escrow account was underfunded. My tax payments and insurance payments continue to made out the escrow account as the balance remains positive. In early XX/XX/XXXX I was contacted by SLS and told that my payments were late and asking me to confirm when I would be making my mortgage payment. Upon logging into my account I determined that enough money remained in my escrow account to pay my taxes and insurance. My mortgage payment is setup as an automatic bill pay. I did not send an additional payment. I was contacted again at the end of XX/XX/XXXX by SLS to discuss the issue. I scheduled a meeting with a manager to get an explanation for the increase. The meeting was XXXX XXXX onXX/XX/XXXX. I did not receive a phone call from them. They continue to harass me on a regular basis. They claim they are collecting a debt, but refuse to explain the means for determining the funding requirements for my escrow account. SLS is currently the defendant in a class access law suit for trying to force people to buy their insurance. It is my opinion that they are a predatory lender trying to manufacture foreclosures.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ XXXX Reason : [ NEED IT REMOVED HAVE NO CLUE OF THIS ITEM. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2019-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (SC)

On XX/XX/2019 I contacted Avante USA Collections about two identical accounts on my credit report after trying to clear up what I was looking at in black and white I was being told that it wasn't so and that I had two accounts in collection with them from the same place by two different people for the same amount. I told them they can't report the same account to my credit twice and that they needed to fix it and they said the can. I emailed XXXX showing her the evidence and still nothing other than telling me that they can do report what looks like the same debt to my credit twice, then go on to tell me I won't be able to get the information from the collector as fast as she can even though the debt has my information on it, then she was telling me where I was and that I was at the place in questions we were going back and forth and I told XXXX I would handle it. So i'm doing just that I have rights and I want this off of my credit, they said when I called that all calls where being recorded and it was an attempt to collect a debt. I never said that the debt was mine. 
the amount is XXXX  *XXXX= XXXX of bad debt on my credit
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (FL)

Bluebird American Express. Closed my account without even letting me know. My entire paycheck is in there {$850.00} and they will not give me access to my money that I worked for. They said they closed the account and the only way to get my money back is to mail them and then wait 7-10 business days to get my money, but I need that money to live off of and it is not there money to hold on too.
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX account # XXXX has 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.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached XXXX pictures that are highlighted showing that every single bureau is reporting something different, per the FCRA anything reporting to the credit bureaus should be 100 % accurate and it is not.
Consumer complaint received 2022-05-30
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has 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 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 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 2024-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

in XXXX  my wife and i were victims of a home title loan scam. we believe the title company was hacked and spied on. when the time came to transfer money the hackers posed as one of the individuals from the title company and asked my wife to transfer our home down payment to an account with bank of America we transferred the funds from our bank at the time with XXXX XXXXXXXX XXXX XXXX on that same afternoon we went to the title company and they claimed they never sent a email. we immediately called occu and they said the transfer had already been sent to bank of america and please call them we called bank of America and the response was basically along the lines of " you do not have a account with us, we don't care '' the only think they would tell us was the name on the account the money was being sent to the name on the account was " XXXX XXXX '' if i remember correctly we later found out that " XXXX XXXX '' lives in XXXX if i remember right the amount we lost was around XXXX this was in XXXX i learned that if this happens to a tax payer in America no one is held responsible this is still hard to let go that bank of america is aloud to promote and apparently protect fraudulent accounts
Consumer complaint received 2022-05-30
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. (LA)

sent letters out on XX/XX/2022 and XX/XX/2022 to the bureaus, transunion, XXXX and XXXX it been over 60 day and no replay. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Account XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXXY Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report.
Consumer complaint received 2017-07-27
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. (NY)

TransUnion did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. TransUnion is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. TransUnion keeps stating that they verified that these accounts are mine. How could they when the XXXXXXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XXXX XXXX, XXXX? These accounts have appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH XXXX XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXXXXXX XXXX # XXXX These are not my accounts. I did not authorize these account to be on my credit file.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not owe XXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
Consumer complaint received 2024-03-18
Product: Credit 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: AMERICAN EXPRESS COMPANY (PA)

I bought gift card from XXXX XXXX XXXX XXXX  gift card using my American Express Card. The card was never activated. Receipt from XXXXXXXX XXXX that " proves '' it was activated does not show card being activated. Amex and Merchant refuse to engage, stating the case is now closed. Item was never useable, XXXXXXXX XXXX  is committing fraud. I am out {$250.00}.
Consumer complaint received 2019-08-02
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. (IA)

XX/XX/XXXX tried to submit online credit freeze application. This is a free service since XX/XX/XXXX and the company is bullying me by stating it can't verify my info online and wants me to send numerous documents in the mail to verify my identity. This is a tactic to get me to " forget about it, not worth the hassle '' type of thing. They have the most sophisticated online equipment made and are simply bullying me so I will go away. Shame!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (VA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 a section 2 states it also states that 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 as late for any purpose
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc. (CA)

Tomo stole XXXX dollars from me and provided me with XXXX  SERVICES!!! They did absolutely nothing for me except steal my money. Thats a fact!! In XX/XX/year> I paid XXXX and a month later they took XXXX again and provided me with XXXX SERVICES. I did not received anything from this company.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2022 A Known person ( contractor ) wished to be paid for Services Rendered on Our house. They gave me their email address to use for a XXXX Transaction for me to pay the invoice in a timely manner. It was an email address we communicated back and forth with several times previously. I entered that email into Bank of America XXXX function in good faith to pay them. I made the payment and in real time asked them if they saw it to accept it or whatever. They did not See it. We immediately attempted to undo/backout transaction. There was no avenue for us to do so. We then called our Banks ( for me BofA. ) The Banks stated this could take a few days for the transaction to go through, so we waited. Meanwhile, the recipient received an email from XXXX XXXX XXXX XXXX stating something about a money being deposited in an account they do not have. ( This is not my email, so I don't have it. ) The recipient XXXX ( XXXX ) does not bank with XXXX XXXX XXXX XXXX. 
I filed a dispute and investigation with Bank of Americas fraud Department. They have declined my claim XXXX stating this went to the intended recipient which it clearly did not. 
XXXX IS A FAULTY APPLICATION. 
XXXX XXXX XXXX XXXX. 
NO FAR SIDE VALIDATION/AUTHORIZATION. 
NO ABLITLY TO UNDO TRANSACTION. 
NO ABILITY TO DISPUTE TRANSACTION Both XXXX and Bank of America declined a refund or further assistance. I made this transaction in good faith, but was robbed of {$3500.00}, and I am very upset about it. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

I am unaware of this debt. I didnt have an opportunity to dispute this information. I didnt receive proper notification or verification before it was added to my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), collectors are required to send consumers a written notice within five days of their initial communication, providing information about the debt, including the amount owed and the name of the original creditor. As of my knowledge, I have not received any such notification regarding the debt in question. If in fact you believe you gave me proper notification then please provide the certified receipt with my name and signature on it as well as Documentation proving that I was properly notified of the debt in accordance with the FDCPA, including copies of any letters or notices sent to me.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have Major Inaccurate information on all XXXX versions of my Credit/Consumer Report from the Top XXXX Reporting Agencies/Bureau's/Companies who took the assumption that my information is accurate and in all Truth, all of them have Conflicting information from their assumption leaving me with legions of inquiries hard and soft.Conflicting starting dates on many Instances that has left me without on numerous occasions that I was stereotyped by false and poorly placed derogatory and inaccurate items on my Report depriving me of things I could have easily obtained rather housing, job placement, small business loans, low or any interest loans that people with good credit receive with minimal effort.I included a few vital instances that for sure disqualified me for the simple fact that all XXXX per XXXX providers who's top priority is accurate Credit reporting is one of a kind.I beg to differ.
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have requested the documentation regarding account XXXX at Bank of America continuously now for 7 months and they continually ignore the request. They got the original request well within the destroy documents period, but because of deliberate inaction as well as gross negligence they have not complied with this reasonable request. The result has been extreme hardship and financial loss to my family