davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (MI)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$9100.0XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9000.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-27
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. (GA)

Back In XXXX of 2021 XXXX  made a collections claim on my credit report originally with XXXX XXXX for {$80.00} ( Acct XXXX ), I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 6 months since I requested you to investigate XXXX claim of a collections on my credit report. this claim was originally removed for not being mine and for the investigation taking longer that 60 days
Consumer complaint received 2022-03-16
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

XX/XX/2020 Attempted to get credit report : failed with " Sorry, we are experiencing technical difficulties. '' XX/XX/2020 Attempted to get credit report : failed with " Sorry, we are experiencing technical difficulties. '' Experian makes it difficult to get my credit report and impossible to get my credit report online.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I have been banking with wells Fargo since XX/XX/year>. I receive paper checks at my place of employment and do mobile deposit. I had no issues what so ever until one day I woke up and my account was negative over {$1000.00}, and then it continued about every week. I contacted wells Fargo immediately when it first happened and continued to do so until I just gave up when I realized they were no help. Initially they could not even tell me what was going on they thought I wrote a check from my account that bounced. That was not the case, they eventually said the checks that I had cashed from my employer, where then cashed else where. Which I do not see as my problem!? MY CHECKS from my emoloyer in MY NAME deposited into My account which all match up, where somehow accessed and cashed into a XXXX XXXX XXXX account which I do not have so can not possibly be in my name so there for the person who is committing fraud should be in the negative, not me! Wells Fargo would not even temporarily credit my account to investigate the situation or anything just now consider I owe it and have collectors calling me when this is something I feel is there fault! How did you not protect your customer from fraudulent activity how could you not try and dispute this with the other bank involved when everything in my name is in wells Fargo? Im {$4300.00} negative in my account!
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

As you will see in the details that I provide below, our loan with Shellpoint Mortgage Servicing was paid in full on XX/XX/2018. 

On XX/XX/2018, I requested a payoff amount. 

On XX/XX/2018, a payoff amount of {$2800.00} was received and was valid through XX/XX/2018. 

On XX/XX/2018, a payment of {$760.00} was made on the Shellpoint website ( Confirmation # XXXX ). 

On XX/XX/2018, a payment of {$760.00} was made on the Shellpoint website ( Confirmation # XXXX ). 

On XX/XX/2018, a new payoff amount was requested because the previous payoff was no longer valid. 

On XX/XX/2018, a new payoff amount of {$1300.00} was received which reflected the payments made on XX/XX/XXXX and XX/XX/XXXX with an additional interest amount of {$14.00}. 

On XX/XX/2018, a phone payment of {$1300.00} was taken by XXXX XXXX ( Confirmation # XXXX ). 

On XX/XX/2018, an additional phone payment of {$14.00} was taken by XXXX XXXX ( Confirmation # XXXX ). On this date, our loan balance should have been {$0.00}. 

On XX/XX/2018, I spoke with XXXX XXXX of Shellpoint Mortgage Servicing who confirmed our loan account was fully current with no further payment due on our loan. 

Shellpoint Mortgage Servicing has continued to pay our homeowners insurance and property taxes every year since the loan was paid in full in 2018. 

Shellpoint Mortgage Servicing has also reported us as seriously delinquent to the credit bureaus since XXXX of 2018. 

I have made numerous attempts to resolve this issue with Shellpoint. Each Shellpoint Representative that I have spoken with agrees the loan should have been paid in full in XXXX of 2018, but does not have the ability to correct the account. I have been advised to send an email to the escalations department, send an email to the loan servicing department, and most recently, to use the contact us area of the Shellpoint Portal. I have sent email after email and submitted several requests within the Portal, but our account and credit remains uncorrected.
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

On XX/XX/XXXX, XXXX acknowledged misrecording payoff payment from my refinance lender - XXXX received funds on XX/XX/XXXX but recorded their receipt date as XX/XX/XXXX, which further resulted in charging me late fee {$270.00}. Further, they promised : XXXX ) overpayment owed {$9600.00} has already been mailed, XX/XX/XXXX. XXXX ) late fees were reversed and {$270.00} mailed out. 

XX/XX/XXXX XXXX post XXXX delivery, I have not received the balance of payoff - {$9600.00}. XXXX charged consumer for their mistake and is holding funds due to lender for {$9600.00} with no evidence of making timely practices : XXXX operator XXXX XXXX ( supervisor ) reported on XX/XX/XXXX that XXXX would only stop payment and reissue a check to mail, taking another 14 days for the check to be mailed. 

When consumers are late to payoff or monthly payments we are charged hefty late fees {$270.00} and charged {$100.00} per day for interest. XXXX violated RESPA. XXXX failed to ensure {$9600.00} principal payment to be received with 20 days of loan closing, XX/XX/XXXX. Today is 59 days post closing and payoff. I have received notice of Title release and refund of late payment, but still no payment due, {$9600.00}. 

I have spent XXXX hrs writing complaints, on hold with TMS XXXX, answering TMS calls who continue to provide no actionable accountability. 

Why are consumers charged hefty fees and their is no accountability on part of XXXX to comply with the RESPA, even when they acknowledge knowing by citing this law by the HUD.
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (IL)

Upon reviewing my credit reports, I identified significant inaccuracies linked to account number XXXX. Despite filing a dispute with the major credit reporting agencies- XXXX, XXXX, and XXXX- the inaccuracies were verified as accurate, a conclusion that contradicts the evident errors present. 

The discrepancies, encompassing the last date of activity, payment history, account number, and balance, are of utmost concern. 
Consequently, I am formally demanding the immediate rectification of these inaccuracies. It is imperative that you promptly correct or expunge this erroneous entry from my credit report. 

Failure to initiate this correction promptly will compel me to pursue legal avenues to ensure the rectification of this matter. I expect this issue to be fully resolved within 15 days from the receipt of this complaint. Please confirm in writing once the necessary corrections have been made. 

Your swift attention to this matter is essential, I trust that you will handle this concern with the urgency it deserves. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (TX)

In XX/XX/2019 I had someone open a XXXX card in my name. I immediately call the company and they closed the account and sent me a letter ( attached ). I disputed the information on Equifax, XXXX, and XXXX. Every company took the information off my report except Equifax. I sent them letter going on XXXX months and still are reviewing the information as verified. I need this false and inaccurate information off my report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 2021-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK (GA)

I had a discover card that went unpaid to to becoming XXXX I recently paid and settled the account with a collection agency who o never had an account with. I also spoke to someone at discover. Its really strange that the sent me a check if I owed more than what o settled for. If Im forced to get and attorney I will.
Consumer complaint received 2022-03-16
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. (NJ)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-12-28
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ability Recovery Services, LLC (MS)

On XX/XX/2021, XXXX violated my consumer rights by reporting false and deceptive information to my consumer report from XXXX XXXX XXXX being the original creditor. Pursuant to 15 USC 1692a ( XXXX ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. I was also violated as a federally protected consumer pursuant 15 USC 1692c ( XXXX ) Communication with third parties -- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector ; meaning I did not give them permission to contact me nor did I give them consent to report anything to the reporting agencies ( XXXX, XXXX, & XXXX ). According to 15 USC 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I keep on receiving notices for a debt collection company called ARS, Stating that I owe {$1500.00} from a company I have never been associated with, it states that the original creditor XXXX XXXX. I never dealt with that company or owed them money. I spoke to ARS, I told them this has to be a result of identity theft, and they still trying to collect this debt and threatening to report it on my credit report.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MT)

My neither, sister and I received {$100.00} XXXX  gift cards for XXXX from our grandmother. The cards were sealed in the packaging and required activation. 

Upon activating, all three cards ( which were mailed to us to separate addresses ) had pending activity prior to activation. One card was completely cashed out. All three had initial transactions at XXXX XXXX, a store we'd never heard of, for XXXX. This was before we ever received them. We also found out another relative, in another state, had also their XXXX gift card maxed out before they ever used it. 

I called XXXX, the number on the card, to alert them and cancel the charge. They stated they couldn't do anything with a pending charge, were very rude ( making remarks about how it was only XXXX on my card ] and when I asked how a sealed card could have charges prior to receipt or activitation, I was told that they don't have a way to know that and that there was no one to escalate my complaint to in order to avoid future fraudulent charges or scams with their product. I was also concerned that any remaining balances are now compromised. The agent offered to cancel my card. I asked to confirm that I would just lose my money if I cancel, and she said yes. That is an unacceptable response to a fraud concern.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my provacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681 ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to. any transaction made by me, the consumer.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX I went to the atm on XXXX XXXX around XXXX and attempted to deposit {$380.00} when the machine started to malfunction, it took my money all but {$5.00} from which it kept spitting the {$5.00} back out..Than a box popped up on the stating it was an error ... I then started to press buttons because I assumed the screen was frozen, then I pressed withdraw to try to get the atm to work but It DID NOT withdraw anything then my I attempted to put the {$5.00} back into the machine and it would not take it finally the atm kicked out a receipt telling me to call a number I went home and called customer service to confirm that the atm had accepted my transaction, after XXXX hours of being hung up XXXX, not believed, nor documenting what I told them that happened they took it into their own intuition to write the claim up like they wanted to, they stated lies because the atm said that I didnt deposit anything and it said that I had withdrew money which was a lie, I didnt withdraw a dime, I was depositing money to buy a coat and pay my child support.. Not until Friday XX/XX/XXXX did I finally find a rep to help me out and document what had happened to me, now they have denied my claim they gave me a temp credit on the {$170.00} but I am still missing {$200.00} because Boa would not credit it for some unknown reason that was money that was going toward my child support, which if it not paid this week it will cost me my license suspension and possibly jail time, if they do not hurry up and research this and see that I did not withdraw any money but did I deposited XXXX on top of what was in the account.This situation will need assistance of a camera or a professional to overlook this situation because if that XXXX that Boa owes me is not paid by wed XX/XX/XXXX XXXX this ... child support and license situation is going to cost Boa more than the XXXX that I am owed, and they stated the machine did not malfunction then why do I have this receipt telling me to call this XXXX number...... if this isnt resolved better by tomorrow fdic, federal reserve, ombudsman, will be contacted XXXX because Im at a point in my life where Im refuse to get upset im just not going to allow these trillion companies to XXXX me, and if I stated that I lost {$370.00} why would you just credit a portion of it ... .but if your csr and supervisors would have done a better job then this would have been resolved instead I had to talk to XXXX individuals who did not want to help me, 3 days later I found 1 person that believed me enough to document this correctly, once this Is over or I have my money back in my possession or this is resolved then I will be looking for a more trustworthy bank that doesnt try to turn me into the XXXX when their system fails Thank you, XXXX XXXX claim # XXXX
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that Lanier Collection Agecy is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Lanier Collection Agency received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.
Consumer complaint received 2022-03-16
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: California Business Bureau, Inc. (CA)

fraudulent collection reporting on my credit report dated XX/XX/2016 from California Business Bu Original creditor XXXX XXXX XXXX amount {$1400.00}