davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have reached out to the credit bureau Equifax for the following hard inquiries that are inaccurate on my credit file due to me being a victim of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax Mortgage Services. Even after contacting Equifax multiple times, and contacting the individual institutions that have made hard inquiries on my credit file by phone and letters several times, they keep responding that the inquiries are accurate and will remain on my report for 2 years. This is unacceptable, i am a victim of fraud and identity theft, I have attached a police report from my local law enforcement verifying my identity theft as a victim of XXXX XXXX XXXX continuously attempting to open lines of credit in my name. Please have these companies remove their hard inquiries from my Equifax credit report immediately before I take the next level of action. Thank you! : )
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been experiencing servicing issues with Bank of America and have never received a copy of my " Mortgage Note ''. I am requesting copies of my " mortgage note and any/all current agreements with the lender. Please be advised that I am requesting solely the requested said items. I am in receipt of payment history and do not wish to have a copy.
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX   Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this  document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Credit line opened under my name unknowingly. I did not open up a credit card with merchant ( Home Depot ), nor did I ever have any line of credit with merchant, I checked my credit report and notches issue. I was a victim of identity theft and I want this issue resolved immediately. Thank you.
Consumer complaint received 2023-12-05
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: Experian Information Solutions Inc. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2020-03-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Recoveries, Inc. (NC)

I have been fighting Student Loan Collection company National Recoveries for years, I have asked for proof of the loan, because I didn't sign for a loan. They have bullied me into making payment to keep from garnishing my wages, and now have sent a garnishment letter. If they garnish my wages, it will cause extreme financial difficulty, as I am caring for a child  and my wife who can not work at this time. We barely make ends meet. I was told to contact you.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My name is XXXX XXXX an my wife 's name is XXXX. Back in XX/XX/2002 we had taken out a small 2nd mortgage with XXXX XXXX  XXXX in the amount of {$28000.00}. On the same date XXXX XXXX  Assigned this mortgage to XXXX XXXX, XXXX XXXX, PA We refinanced this mortgage on XX/XX/2002 with XXXXXXXX XXXX XXXX  XXXX. We have paper work that shows that XXXX paid off the XXXX XXXX  loan on this date. 

The problem is that XXXX XXXX  never filed the Satisfaction paper work with the XXXX XXXX XXXX Pennsylvania Recorder of deeds office.

We now have applied for an Equity loan for repairs to our house now and have been denied because this loan satisfaction was never filed by XXXX XXXX  XXXX 

I contacted Citizens Bank over 45 days ago and was informed that this process would take up to 45 days to complete this task. To date I have not been contacted that this matter has been taken care of or that the Recorder of Deeds office in XXXX XXXX has been issued a satisfaction statement. 

Every time I contact Citizen 's bank I keep getting a different story. We need to get a satisfaction letter to the XXXX XXXX recorder of deeds so we can proceed with a much needed current loan wiht which we have applied for with a different bank. 

Attached are the recorded paper work the recorder of deeds has in regards to the initial loan with XXXX Mortgage and the assignment that occurred on the same date on XX/XX/2002. Also attached is documentation I obtained from XXXX XXXX XXXX showing that the XXXX XXXX  was paid off on XXXX, XXXX, XXXX  in the amount of {$28000.00}.
Consumer complaint received 2022-12-25
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (GA)

Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.
Consumer complaint received 2023-01-05
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. (TX)

In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. TITLE XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681a Definitions ; rules of construction. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. TITLE 18 : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ CHAPTER 47 : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (IL)

A debit collection company called ProCollect , INC contacted me on XX/XX/XXXX, claiming that I owe a debt of {$200.00} to a student apartment in XXXXXXXX XXXX XXXX I was sure that I didn't own the debt because I never lived in any cities in XXXX XXXX XXXX in my life and I was no longer a student since XX/XX/XXXX. 

I called XXXX and explained this to them. They told me that they would verify my identity with the student apartment. I didn't hear anything from them after that so I thought the problem was resolved. 

XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I check my credit report, I noticed there was a collection placed by XXXX on the credit report. It was placed in XX/XX/XXXX. I tried to call XXXX XXXX to claim that this is a wrong debit collection but they insisted that the apartment provided my social security number to them. 

I believe it is possible that it is identity theft. Someone used my social security number to rent a student apartment in XXXXXXXX XXXX XXXX. This person owns the debit, not me. It is quite easy to prove. I can provide documents to prove that I lived in XXXX XXXX XXXXXXXX and I never changed my address since then. Also, I can provide documents to prove that I graduated from a XXXX XXXX XXXX XXXX in XXXX with a XXXX XXXX XXXX ( so there is NO reason that I would rent a student apartment in XXXX ).
Consumer complaint received 2024-03-18
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: ALLY FINANCIAL INC. (MS)

I NOTICED MY CREDIT SCORE DROPPED BY XXXX POINTS AND I HAVE 30 HARD INQUIRES ON MY ACCOUNT THAT I DID NOT AUTHROIZE I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

I paid my mortgage payment of {$1200.00} on XX/XX/2020 electronically, the same way I do every month. On XX/XX/2020 I received a call saying my payment was late, and had not been received. I talked to their representative who told me they show receiving the paymental on the XXXX but sent it back to me on XX/XX/2020. They told me a supervisor would contact me. After many attempts I was able to speak with a supervisor 1 time, she told me the account number they sent the money to did not match the one I sent it from. She also said that to the best of her knowledge, it didn't look like it was sent anywhere. She requested a copy of my bank statements for the month before and all time since the transaction. I did this and also had my bank send copies directly at a later date. They side they received them and have promised to have a supervisor get in touch with me but I have never heard from one again. I have contacted the company many times over the last 6 weeks and gone through this with each associate I have spoken with but have had no resolve and have not gotten any response from a supervisor since. I paid XXXX 's payment because I don't want to get behind, it was received normally without problem but they credited it as XXXX payment. So I have informed them I will not pay again until they get my payment of XX/XX/2020 credited to my account with all associated interests paid and any late fees removed. They are now harassing me for " XXXX 's " payment but refuse to resolve their mistake. They told me they show that neither myself nor my bank ever requested a return of funds and that they don't understand why they would ever return a payment especially 11 days later. But right now they sent {$1200.00} somewhere and claim it was me. It was not me and don't understand how they can hold me responsible. It was their error. They received my money, they admitted that.
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX XXXX aka XXXXXXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I am writing to you to address my ongoing concerns with Mohela regarding my student loan account. This is my second complaint to your bureau as the first one did not resolve my issue. 

I appreciate the information that Mohela has provided regarding my account status. However, I must reiterate that my issue concerns incorrect loan terms and payments, which have not been updated despite my repeated attempts to rectify the situation. As previously stated, I was placed on an Income Driven Plan ( IDR ) PAYE plan by XXXX in XX/XX/2021, with a total monthly payment of {$470.00}. Due to the XXXX forbearance, the federal government postponed any additional income recertifications and loan payments, with plans to resume payments from previous income recertification once the payments begin. 

While I understand that Mohela is updating my recertification date deadline to reflect additional extensions of XXXX relief, the response further implies that my payment amount will increase to {$2300.00}, which I can not afford. My request is simple : I ask that my previous payments of {$470.00} continue, and that my income recertification date be extended as per the guidelines on the studentaid.gov website. 

Despite my repeated attempts to reach out to Mohela over the last six months, I have been placed on long holds, been hung up upon, and have had significant difficulty escalating this issue within their departments. Moreover, no one has been able to explain the discrepancies or the rationale behind it. This has left me feeling frustrated and helpless. 

I implore you and your team to take immediate action to resolve this issue. As a borrower, I have been making every effort to comply with the guidelines set out by the federal government, and I expect Mohela, as my loan servicer, to do the same. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit card account at Capital One Bank was charged a total of {$180.00} by the XXXX  gas station in New Jersey in XX/XX/2019. I have not made these purchases since I have never been to NJ. I have made several phone calls and letters to the bank. The bank refuses to credit the funds to my account and continues to charge me {$180.00}. The bank should credit me the amount of {$180.00}.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Main Resolution Group (WA)

Called called me looking for XXXX I informed them that was not me and then they said good, this must be XXXX  her daughter I said who are you? They went on to say My name is XXXX XXXX I'm calling from main resolution group XXXX XXXX owes a debt of {$3400.00} XXXX  since she has until this evening at XXXX o'clock to contact them or she will be put on a schedule l To have charges filed against her I was informed that I was welcome to pay this amount on her behalf to prevent her wages from being garnished. They would be continuing down the list of contacts to try and reach her. After refusing to identify myself they asked if I would verify the last 4 of her social security number to which I responded I do not know that information but the number that they gave me to verify was in fact her ssn, I did not verify this. They informed me that unless she called them before XXXX XXXX  today they would move on to the next person on the list to call which is XXXX XXXX XXXX who could not possibly be contacted as she is a toddler. I hung up with them at XXXX XXXX  XXXX. 
This number has called XXXX  as well with a similar rhetoric two times as well.
Consumer complaint received 2020-03-04
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. (OH)

On XX/XX/2020, I received an email from XXXX about an update to my TransUnion credit score changing a specific amount. I realized at that point, XXXX had been CCing my ex-spouse, whose access I had removed from my XXXX account a long time ago, on an email alert about my finances. She's been receiving details about my credit score, when I'm paid, how much money I spent, etc. 

This is a significant breach in privacy for me, and all XXXX will tell me is " we took care of it ''. I've had two chats with their support, but no one will help me understand what happened or feel confident it was resolved.