davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (MO)

On XX/XX/2022 dud a transaction through Zelle that never got completed by Zelle. A transaction for {$300.00} that got kept by Zelle and did not give it back to me. I did my part Zelle didnt do their part in the instructions. So Zelle kept my money cause I didnt do another refund for {$500.00}. So Zelle is a fraudulent website for money transfers. Zelle says they are safe and trustworthy nothing but a big XXXX lie to get more money out of you. I would like my money back. 
This is XXXX XXXX the one Zelle stole {$300.00} from.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXXXXXX XXXX sold our account to Midland Credit Management. Midland credit management has sent out a server with legal documentation. The woman serving the documentation refused to wear a mask, threatened to disclose my personal information to our neighbors as she screamed and waved the documents in my front yard screaming Im being sued and my entire name. The woman perverted to curse at me as I spoke threw our speaker camera system, threatened me that she was going to continue to display erratic behavior and let everyone know my personal information. I have called Midland Credit Management multiple times regarding this matter so they are aware. The woman stated my information, account owing, everything has been recorded and I have the live camera footage.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX my wife and I closed on a refinance mortgage on my primary residence. After returning home we noticed that the paperwork we signed had two different set of terms, two different amounts borrowed and two different interest rates. 
I contacted the closing agent and pointed out the discrepancies. The closing agent stated I would have to contact the original lender XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter along with the 3 day right to cancel form canceling the XX/XX/XXXX refinance transaction on my primary residence. The Original lender XXXX XXXX XXXX did not respond to my rescission letter or 3 day right to cancel form canceling the transaction or numerous phone calls until XX/XX/XXXX. The Original Lender XXXX XXXX XXXX XXXX wanted to refinance my refinanced mortgage instead of rescinding the refinance transaction, starting all over, that would have cut off my rescission rights, to recoup the monies I paid, to protect my credit rating, and interest paid. I stopped paying the canceled refinance loan in XX/XX/XXXX. On XX/XX/XXXX U.S. Bank as Trustee filed a wrongful foreclosure suit against my refinanced primary residence on the canceled refinance transaction. On XX/XX/XXXX a final hearing for foreclosure was held. Even though the court found I closed on the refinance on XX/XX/XXXX, the paperwork we signed was not to what we agreed to and we sent XXXX XXXX XXXX XXXX a right to cancel letter and 3 day right to cancel notice on XX/XX/XXXX within the 3 days, an absolute unconditional right to cancel the transaction, The court misplaced the law and wrongfully interpreted the right of rescission, that a suit must be filed within 3 years after the date of the transaction. The interpretation was wrong and 10 years later clarified by the U.S. Supreme Court in XXXX V. XXXX XXXX XXXX   XXXX. Since the Supreme Court unanimous decision in the XXXX RESCISSION CASE, I have contacted XXXX XXXX XXXX.  as Trustee numerous times and all correspondence has gone unanswered. They have no active attorney of record from the prior foreclosure action and the courts are of no help. XXXX XXXX wrongful foreclosure is at best an unsecured debt. The home value was appraised for over XXXX of equity at the time of the final judgment of foreclosure. The bank sold the home for XXXX cents on the dollar and doubled there money from the refinance loan that profited them from the wrongful foreclosure and sale. I had lived there for 20 years and my life savings from hard work was stolen from me. I assistance in recovering the monies that were wrongfully stolen from me.
Consumer complaint received 2020-08-10
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 — Their investigation did not fix an error on your report
Company: Gitsit Solutions, LLC. (WA)

Kondaur Capital has not been reporting my payment history with the XXXX. I have reached out to Kondaur on numerous occasions and even followed their advice to create a dispute with XXXX. I started the dispute XX/XX/20 and had to follow up with Kondaur on XX/XX/20 about the payment history being sent to XXXX. Today XX/XX/20 Kondaur removed the loan from XXXX and never reported the missing payments from XXXX.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I receive a robo call from XXXX XXXX XXXX telling me that they will cut my service if I don't Pay my bill today so the robo call said press 1 if you want to make the payment so then a man pick up the phone and said How can I help you, so i told him that I receive a call from you ( XXXX XXXX XXXX ) said that you guy going to cut my service I ask hi why and he said let me see, put me on hold and he come back and said yes we have not receive your payment and that is why, do you want to pay today to avoid the issue, I was scare and too him yes but he said we don't take checks, credit card or ATM the only way is going to be through XXXX, I answer I dot now how to use that app and he said ok I am here to help you, then he start telling me how to navigate through that Application. 
But before all this happened I hung up the phone and call the XXXX XXXX number to make sure it was them and yes it was they're number, he call me back and that is wend I tough it was real!!!! 
so he keeps telling me what to do and I did the transaction through XXXX for the amount of {$990.00} from Bank of America, then he said ok you have a credit here so I am going to sent you a code for you to put into XXXX to get that Money back at that point I realize that it was a scam and immediately hung up the phone and call my back and told them what had happened and the said that unfortunately there is nothing we can do, so I am keep calling my bank to see they can help me but no luck I have learn that If some one INDUCE you into transfer money Even if I agree the Bank have to refund the money, it this right???? 
thank you for your Help.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. DTEDXXXX XXXX {$1300.00} DTEDXXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX  XXXX {$0.00} XXXX XXXX {$190.00} DTEDXXXXI XXXX {$2600.00} DTEDXXXX   XXXX {$4000.00} DTEDXXXX XXXX {$10000.00} DTEDXXXX   XXXX {$2600.00}
Consumer complaint received 2020-06-17
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. (LA)

Experian keep updating this debt as VALID even though the collection agency XXXX is not validating the debt per FCRA. On XXXX XXXX I sent XXXX a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. XXXX mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information XXXX sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. XXXX is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know XXXX did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex ( XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX   was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID XXXX PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I also have PROOF I was residing at another apt during this timeframe.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

PLEASE!! I've asked several times to correct personal information on my report. After filing my 2021 taxes, I believe I am the victim of fraud. There are several inquiries on my report that I DID NOT DO... .Do n't tell me they are a matter of record when I keep asking you to verify or remove inaccurate or outdated information on my report! 

DO NOT RUN ANY INQUIRIES UNLESS I CALL YOU AND ASK TO LIFT THE FREEZE!!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have XXXX open credit cards with company. All have a XXXX balance and was never late.

not all accounts are being reported and a XXXX balance is being reported on XXXX. 
All credit agencies need to be updated with the correct information.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/24 Subject : Dispute of Incorrect Address Information on My Credit Report Dear Experian, XXXX, & XXXX, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX XXXX {$2600.00} XXXX XXXX {$4000.00} XXXX XXXX {$10000.00} XXXX   XXXX {$2600.00}
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2015, I signed a contract with XXXX XXXX  for XXXX XXXX  XXXX  services. The full amount due was pre- paid by XXXX XXXX. Hence, the XXXX  XXXX   XXXX  XXXX representative XXXX XXXX XXXX had me signed an agreement Shedule B Fee which stated total pricing amount for services for {$4700.00}. The ach payments was set up by XXXX  XXXX  as soon as i signed the contract and funds were drafted from my checking account to account ending in XXXX. I have paid amount in full and have proof from my bank statement. XXXX  sold by loan to a Portfolio recovery associates LLC. Even though i have sent support of proof of payment, portfolio recovery is still trying to collect paid debt. Need your help as my credit has been effected by this unsettled matter. Please see provided support from my bank and XXXX  XXXX letter after last payment was settled. I will provide support of contract if need, so you may see the terms. Thank you so much. I will provide copy of initial agreed contract terms if needed. 

Thanks XXXX XXXX.
Consumer complaint received 2020-04-14
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. (CA)

I got my credit ran today XX/XX/20 because I was trying to buy a new car but unfortunately I was not approved for the loan because there are some accounts in negative standing appearing on my credit. I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I am not sure who is responsible for opening those accounts in my name but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I do not have any type of written or verbal contract with any of these companies and I never allowed them to run or access my credit file.
Consumer complaint received 2022-05-15
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. (AR)

This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my XXXX credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Had 7 transactions totaling {$300.00} from Zelle that I did not make or authorize. Contacted XXXX XXXX to file fraud claims on the transactions. XXXX is denying the fraud claims stating they have no authority over Zelle fraud claims, even though I have to go through my XXXX app to use Zelle! Zelle says there were no log in errors before the money was transferred so the transactions were valid. 

I have just lost {$300.00} and my bank nor Zelle will do anything about it!!!
Consumer complaint received 2022-05-15
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account Name 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
Consumer complaint received 2020-08-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

i filed a dispute with XXXX  and experian 75 days ago, i feel that is plenty of time to respond to my request. please help me in the matter.
Consumer complaint received 2020-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NY)

I ask for deferral for my loan due to covid 19 in XX/XX/2020 lending club granted my request and deferred my loan for the month of XXXX and the month of XX/XX/2020. My automatic payments started back up in the month of XX/XX/2020 on XXXX XXXX a payment went through, XX/XX/2020 a payment went through, XX/XX/2020 a payment went through and every month since XXXX i get a letter saying I'm delinquent in making my payments. and I'm getting a hit to my credit report. 
I'm up to date with my payments and they should stop the attempt to collect a debt mail and phone calls.And lending Club need to fix my Credit report. 
I spoke to an XXXX and was cut off then I spoke to XXXX today XX/XX/2020 XXXX
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (NV)

My father, XXXX XXXX XXXX, passed away on XX/XX/2020. He had absolutely no estate whatsoever. The only creditor he has had in the last 20 years is a credit card through his bank, which he paid monthly and which was at XXXX balance at the time of his debt. He had no medical bills because he was a XXXX  military veteran and had a combination of XXXX and XXXX for Life. On XX/XX/2020, I received a harassing form letter from a company called DCM Services, based in XXXX, MN, stating they know my father passed away and they wanted to know who is authorized to pay any bills that may be outstanding against the estate of my father,. NO CREDITORS ARE CITED IN THIS LETTER, and I know for a fact they have no clients they are representing. A quick XXXX Search of this company shows numerous complaints of this company using this same ambulance chasing practice with other folks whose loved ones have passed away. A call to the NV XXXX  ( my dad resided in NV with me ) revealed 39 complaints by this company for this same practice of sending form letters to the families of people with no estates and no debts - in the past three years. I have filed a complaint with the MN XXXX  and the MN Dept of Commerce. I am sure there is a federal law that prohibits this kind of predatory collection activity. ESPECIALLY NOW WHEN OVER 100,000 PEOPLE HAVE DIED IN A PANDEMIC. HOW MANY FAMILIES ARE BEING UNDULY HARASSED IN THEIR TIME OF GRIEF?
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.