davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2020-10-05
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: Experian Information Solutions Inc. (TX)

No resolution to a incorrect item on credit report. I am concerned about the validity and accuracy of your investigation of the account with XXXX XXXX XXXX account XXXX. Last month a requested an investigation because the items were not reported accurately on my credit report. I received feedback from you stating that an investigation was completed. your investigation did not outline nor explain who, how, where you obtained your informaiton. What documents did you received to conclude your investigation, and who did you talk to? Please provide a complete copy of all the information you obtained to concluded that your investigation has proof that these items are correct. FCRA guidelines states. my right to know how you verified itms on my credit report or a fine many be assessed up to {$1000.00}. Delete these items as soon as possible or obtain documentation to prove your investigation.
Consumer complaint received 2023-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IA)

Mohela has been completely unresponsive. I was initially confused about the TEPSLF form and process for certifying past employment that was deemed to qualify for PSLF. I filled out a form awhile back thinking I needed to just to certify my current employment and submitted it when my loan was still with XXXX. Then I realized I could get PSLF credit for a past position and resubmitted the form certifying that employment to Mohela on XX/XX/2022. I heard nothing from them, my payment counts have not been updated ( not even to reflect my current pay count outside of the TEPSLF, and when I look online it says the form submitted is a " duplicate form. '' I was concerned that they would not review the form since it was a duplicate and wanted to talk with someone about it. I contacted them several times and most of the time the phone would disconnect after I sat on hold for 30+ minutes. I finally talked to someone who said they would take a look at the form soon but they would review it even though it says duplicate form. It has now been six months since I submitted that form and nothing has come of it. This is extremely frustrating because if they approve my past employment my loans will be forgiven in just a few months and it's important for my financial planning to know if this is going to happen or not. I realize they have probably just halted everything pending the Supreme Court case but the issue I am wanting addressed is outside of the Biden loan forgiveness plan. 

Now when I go to the Mohela site to check the status of my TEPSLF it says " a duplicate application was processed as cancelled. '' This is so frustrating because as I mentioned in my initial case description, when i finally was able to talk to someone in the fall they indicated that my form would be reviewed even though their system was classifying it as a duplicate form. I also believe that if my past qualifying employment is counted that my loans should have already been discharged, making this matter a little more pressing than I had initially considered. I just wanted to provide this additional information in case it is helpful. I tried calling Mohela again several times but I truly think their phone system is now set up to make it impossible to reach a live person. Thank you so much! 

I submitted a complaint with the Department of Education in XXXX and it says it is still open but I have not heard anything from them.
Consumer complaint received 2023-01-23
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. (PA)

I am sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between XXXX XXXX : XXXX, TransUnion and XXXX. I reviewed my credit report and saw that you guys still furnished the same information that I disputed upon request for proof of the information being violated on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to TransUnion and XXXX. via certified in regard to the inaccurate information and how TransUnion and XXXX did not do a proper Investigative Consumer report. I do not recall that TransUnion and XXXX. haven't sent out any further communication with me as the consumer in regard to an investigation consumer report. Since TransUnion and XXXX. haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

Recently, I was notified that I needed to check my XXXX  account. When I did, I learned that a Southwest Credit Systems, L.P. had reported me twice for an account that was previously PAID ( XXXX XXXX XXXX XXXX year 's ago in the amount of {$230.00}. I am DISPUTING, this reporting to my consumer credit file ( s ). I was NOT contacted prior to these reporting 's for the exact same account. I will fax any and all supporting documentation. Any information shared with the Consumer Financial Protection Bureau will be strictly for the purpose of this complaint " only ''! The company 's aren't authorized to use any personal information outside of this complaint.Coleman @ XXXX ....
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2020-10-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue  legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2020-01-05
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)

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (NY)

XXXX accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX, -XXXX XXXX Account number XXXX, -XXXX  Account number XXXX, -XXXX XXXX  Account number XXXX, -XXXX XXXX, Account number 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 2020-10-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2023-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovitz Shifrin Nesbit, A Professional Corporation (IL)

XXXX XXXX via property manager XXXX XXXX a licensed real estate broker and XXXX XXXX the assistant to XXXX XXXX sent me an email on XXXX that I owed a debt for legal reimbursement that I do not owe and have never owed. It is a false statement and an illegal attempt to collect. The management company is considered to be a debt collector under Illinois state law. I am attaching the Illinois Condo Act Section 9.2 that a debt for attorneys fees are only due in the event of a violation or default. There was no violation and there was no default. The fee XXXX XXXX is trying to collect is certified mail fees, which are not collectable and are not the form of notice in any event under the Condo Declaration and Bylaws of XXXX XXXX XXXX XXXX. a non=profit organization est XXXX. XXXX XXXX has previously done this XX/XX/XXXX and also committed identity/data theft of financial documents and bank passowrds of my job. I work at a bank FDIC. Not only has XXXX XXXX sent me an email for Legal Reimbursement on XXXX that is the same day that the fee ( illigal ) was placed on my assessment account ( not legal ). I am attaching the attorney letters for the violation that was originally sent to me and my attorney 's response. The original violation was fake and illegal and the Board of Directions ( who are harassing me and I have lots of documentation not speculation on that ) decided to cancel/forego the violation hearing once they received my attorney 's response requesting proof, photos, witness statements etc per Boucher V 111 E Chestnut ( 2019 ) IL Appelate Court ruling requiring due process, witnesses, and much more. Theyt don't follow the law. They want the building to be " NICE ' their words in writing, everyone knows what it means when a property manager and Assocication Board says " We want the building to be " NICE '' ''.
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Companies Involved : Date : XXXX - XXXX XXXX XXXX XXXX XXXX, BOFA, Foundation Escrow, Homeland Security, FBI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Had Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA. We were in a real estate transaction buying a home, XXXX XXXX was our agent. Foundation Escrow was the escrow involved.

Somebody got phished and the escrow company, Realtor ( XXXX XXXX ) Lender, and us the buyers were communicating with the hackers. Wire Instruction were emailed to us by the escrow company BUT they had actually been sent to us by the hackers. We sent {$480000.00} to Bank of America XXXX Escrow in XXXX, TX. later the same day approximately 4-hrs, it was discovered by us and escrow that we had been scammed. Immediately XXXX XXXX XXXX XXXX was notified *Origin of Transfer, FBI was notified, Bank of America was notified & XXXX XXXX Realtors, there was a KILL CHAIN and reverse put on the $ XXXX. Unfortunately, BOFA had already released {$280000.00} to a XXXX XXXX  and BOFA had the remaining under their control. We hired an attorney XXXX XXXX. Nobody would take responsibility and we had to start filing lawsuits against XXXX XXXX XXXX XXXX they threatened us or coursed our atty to accept {$5000.00}. settlement. BOFA demurred everything our attorney submitted then settled for {$3000.00} stating it was a nuisance settlement and they had no liability, Foundation Escrow paid $ XXXX and XXXX XXXX settled at $ XXXX - Our attorney fee 's were over $ XXXX. That was the legal outcome of the lawsuits. FBI never contacted us or would talk to our attorney. Homeland Security was able to get back $ XXXX and XXXX ( appropriate numbers ) BOFA returned the XXXX 90-days after the hack that happened on XXXX. We were in litigation for approximately 2-yrs There were people prosecuted because of our case but we never found out any type of details. We are still out {$58000.00} ( approximately ) How would we know if that money is recovered? What can a consumer do that trusted all the parties involved until the incident and everyone was pointing at the other. We don't trust any of them, is there anything we can do? How could we find out if our money was recovered and find out where it is ....
Consumer complaint received 2023-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (AL)

Hello sir, I am writing to complain about the returning my XXXX  money {$15000.00} from pulte mortgage and return the downpayment {$120000.00} XXXX  from the artoney 's office. 

For your background, i am a XXXX  and i always felt as a minority from pulte company because they tend to response all the things last few minutes with un-reasonalbe request although they made a closing date on XX/XX/2023 and I already sent {$120000.00} for the downpayment. 

I would explain the starting point. The sales officer suggested me only 5 % downpayment and {$10000.00} discount on XX/XX/2023 because the house has not been sold for long time. I was not sure for this and i had a concern for this and then, I requested to add " i should return the XXXX  money if i am not eligable for the loan process and failed it because it is really big money for me and my family. they input in the contract. 

Otherwise, they gave me 20 % conditional approval on XX/XX/2023. it was big difference but i gathered all the moneny in a difficult situation to finish it. but the loan processor took a vocation for long time without other contact point and they started to ask my XXXX  asset to review just last few days from closing date. but i did all the request in 1-2days, doing my best to closing these unfair things. but, they delayed the closing date up to now. Finally, they requested the co-signer with very reliable credit score to be done this process in a short time. I would like to share the below e-mail to review our communication and I have to receive all the XXXX money and downpayment asap. 

They are holding this contract for two months. we could not think other option and they just send me the sign document not to return my money, holding my XXXX and downpayment. please help me this is really unfair things. 

Now, i am looking for the rent house for my XXXX kids for the registration becuase the school starts on XX/XX/2023 and i am writing this in XXXX becuase i need to attend my father 's funeral. Everything is screwed up due to pulte mortage and builder. please review all the things and help my family to survive. 

XX/XX/2023 - loan started XX/XX/2023 - loan pre approval ( from 5 % to 20 % increase ) XX/XX/2023 - request me to find co-signer and i can not find the person in the united states
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (FL)

So I called to pay this collection of {$38.00} off, because I received the last letter stating just that, the lady on the phone stated it is now out of statute of limitations, I also said the coming is no longer a company theres nowhere to pay them. She then told me that it wasnt {$38.00} anymore is was {$42.00}. On my credit report it states collections XXXX XXXX XXXX/XXXX/2020