davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Greetings, upon checking my account I found Bank of America reporting to my profile, I do not own that account I am a victim of identity theft and my identity was stolen I reached out to the company and let them know that I was a victim of identity theft and my information was also leaked in the XXXX XXXX breach. I might add that the information that is reporting on the account also don't belong to me and social security on the account do not match mine I have been trying to recover from this whole ordeal and need this account removed my profile immediately.
Consumer complaint received 2023-03-06
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing, Inc. sent me a letter dated XX/XX/2020, stating that they were setting up an escrow account for insurance and/or taxes. They did not specify what the impound account is for, but the amount is consistent with homeowner 's insurance. I contacted them twice by U.S. mail and included documents proving that my payments for insurance and taxes are current. They have not responded, and they continue to bill me for an extra {$59.00} per month for their escrow account, even though they assured my XXXX insurance agent that they do not have an escrow account attached to my mortgage. I tried to pay my monthly mortgage payment on the Select Portfolio website today, but I can not do so without paying that extra {$59.00} for their unlawful escrow account. Select Portfolio has repeatedly tried to foreclose on my home in the past 5 years by falsely claiming that I did not make my monthly payments, and I have proof that I did make those payments. Now they are billing me for an escrow account to which they are not entitled.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an account by the name of Bank of America reporting to my profile I am a victim of identity theft and would like this account removed from my profile. I am a victim of identity theft and I also had my information leaked in the XXXX data breach. I might add that the information that is reporting don't match and the social security number on the account don't even match my social security number.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-01-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XXXX XXXX Portfolio Recovery Assoc added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. Portfolio Recovery Assoc did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.
Consumer complaint received 2024-02-26
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA (NY)

I was alerted to a loan being opened in my name when Michela started sending me invoices. I called immediately to discuss as I have no student debt and am XXXX XXXX XXXX, not a student, do not have college age children and am not supporting anyone in college. I filed a police report in XXXX XXXXk XXXX where I live. I have called XXXX 5 times and sent two emails. I am able to talk to a general operator but in order to resolve the fraud I need to get transferred to the Resolutions Team where you leave your number for a call back. I have never received a call back. NOT ONCE. I have asked to wait for an available Resolutions Team member but they say that is not an option. Meanwhile I am getting bill after bill as the account is past due. I have sent them my Identity theft.gov mailings and and trying to resolve this in all ways I can but they have been unresponsive to date.
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (PA)

Starting XX/XX/2020, I have been attempting to refinance our existing mortgage with PHH mortgage. The company has elapsed on due dates multiple times and required myself and XXXX to provide the same information multiple times due to their negligence. Around XXXX I was advised their was jo additional action required on my end however PHH had an internal complained check that needed to be completed. We were told we would close in XXXX, again in XXXX ( twice ) and to date no settlement.

Phh tried to charge me for an updated appraisal due to their negligence. They also had additional fees applied on my pre closing statement when they advised they waived the 2nd appraisal with no explanation. I do not trust this company and I believe they are trying to scam me. My interest rate is 7percent and I believe they are doing this to not lower my rate. 

This is unethical and ridiculous. No company should be allowed to get away with such act.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-09-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (TX)

I have had hardship with making payments on XXXX XXXX XXXX XXXX, XXXX, Texas XXXX due to Loss of income/Employment from Covid-19 and expenses have increase. I am seeking a request for mortgage assistance in resolving this property debt
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of fraud on my EDD issued BofA card. Back in XXXX. When I became aware of it I cancelled the EDD card and notified BofA. Who at that point issued me a temporary credit pending an investigation.later on I received 2 letters from BofA stating the temporary credits were now permanent. Then in XXXX my account at the bank was frozen. BofA stated it was at the request of EDD. When i contacted EDD, I was advised there was no red flags no issues with my account. And to call the bank and informed them it was all good at EDD. In tbe process of resolving this issue. I observed money was being taken out. And once again when I inquired at Bofa I was informed money was being sent Back to EDD at their request. Surprisingly enough my EDD benefits were still being deposited on my cancelled Account. Toward the later part of XXXX my card worked again out of the blue. But over {$5700.00} was missing. I was only able to withdraw the last full edd payment and part of another one. I been calling BofA for the last 3 months. Without any resolution. Every time I call them I am told I need to escalate it.then the week after. They tell me the person the helped me before did not do it properly and is the same thing all over again.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resolve Partners, LLC (IN)

I completed an application to rent a residual property. I sent the application without my SSN due to the SSN guidelines. Your SSN is only to be shared with your current employer for SSN benefits administration. Resolve Partners, who is a third party rental application review company, retrieved my SSN some how illegally without my consent and pulled a credit report on me. That credit report was then shared with XXXX XXXX of XXXX. XXXX XXXX of XXXX then reviewed my credit report and denied my application to rent from them. I communicated to Property Management of XXXX that they were in violation of the FCRA act and SSN Act for having my credit report pulled without my consent and illegally obtaining my SSN
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MN)

On Sunday night, XX/XX/XXXX, I tried to put a stop payment on my check, for {$500.00}, on the TCF App. It did not work. I got a system error message. 

On XX/XX/XXXX, at XXXX XXXX, I talked to an agent, XXXX, and we discussed putting a stop payment on my {$500.00} check. She told me that the stop payment was complete, while I was on the phone. That was the end of our conversation. I believed and trusted her. 

That day, my check for {$500.00} was cashed. After speaking with many agents, each agent told me something different. 

One agent told me that it takes 24 hours for the stop payment to be completed. One agent told me that they could not refund my {$500.00}, because they didnt have it. Another agent told me it was because the stop payment was not stopped in a timely manner. Another agent told me that it has to be initiated three days prior. A manager, then, told me that they do not put stop payments on checks. Therefore, my {$500.00} wouldnt be refunded. 

I found a copy of the TCF corporate rules and read them, then found that they were old rules and not the current rules for the merger. 

I did not know how to find the stop payment process in the Terms and Conditions online or anywhere else, as XXXX never told me. That information was sent to me, three weeks and two days, after my phone call with XXXX, from the corporate office, in a letter dated, XX/XX/XXXX, explaining the Terms and Conditions for the stop payment process that I could only read at that time. 

Huntington Bank stated, in an email, dated XX/XX/XXXX, that the Welcome Package would arrive in the mail, introducing me to Huntington accounts and services, important transaction details and steps I need to take. I received the Welcome Package in the mail, XX/XX/XXXX, one month and twelve days after my phone conversation with XXXX. Therefore, I had no way of knowing about any stop payment process before the check was cashed. 

Not only did XXXX make a mistake by telling me my stop payment was completed when it was not, she also failed to tell me anything about a stop payment process. Had XXXX explained any of this to me, I would not have attempted to put a stop payment on my check, as I would have realized I would lose my money. Instead, I would have immediately closed my account to keep my {$500.00}. 

I received inaccurate and inconsistent information from all of the agents that I talked to, including Corporate. They are backing up their negligent agent and took my {$500.00}. I have no recourse. I can not trust Huntington Bank.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (SC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied for a credit card on XX/XX/XXXX. USAA pulled my credit report from XXXX on XX/XX/XXXX. 

USAA was instructed, by XXXX, to verify my identity via this statement that is on my report that was given to USAA : Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

USAA never called to verify my identity. Nor did they send me an email, message through the portal, or mail. 

I called USAA to verify my identity, as they have already pulled my credit and negatively affected my credit score and my ability to get any further financing on XX/XX/XXXX at XXXX and the call was recorded via USAA XXXX 

The rep from USAA, XXXX, told me it that USAA could not reach me via my phone number, even though it was listed on the XXXX  report, my USAA portal ( which I authorized any branch of USAA to access via the my only preferences ), and was even listed on the credit app. My phone has been working fine. USAA did not leave a voicemail or even notify me they attempted to call in any other forms of communication. 

I asked to verify the information during the same call on XX/XX/XXXX at XXXX. XXXX told me I could not and the application would not move further and there was 'no other way around it '. She also refused to remove the credit inquiry. 

I then asked to be escalated to her manager, and she denied, and said I could only talk to another department. I talked to the XXXX employee XXXX and she also gave me the same information. 

USAA refuses to accept or deny my application as of now and refuses to remove the inquiry. 

I will seek legal damages as USAA is violating my rights, causing me tremendous stress, and negatively impacting my financial future. More so, it's representatives are argumentative and untrained/uneducated.
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have tried to resolved this matter with the bank among other things. I offered to do a short pay off. I have submitted all documents necessary and asked for the bank to do an appraisal. I have requested the amount and copy of the appraisal and I have yet to receive this information as of date. The bank did not want to do a short pay off with no explanation. I also offered a deed in lieu. The bank ordered a title search on the property, and after approximately 4 years ( if memory serves me correctly ), I was told there is a lien on the property. The bank refuse to tell me who holds the lien. Therefore, I am unable to resolve the lien and turn the property over to the bank.

The lender has not cooperated and this process has been going on with the bank for over 11 years. This is the second foreclosure that the bank has initiated, first one was initiated in 2009.

I did not file for bankruptcy nor have I filed an answer to the complaint to delay the proceeding. I just do not want a foreclosure to be on my record and the bank continuously refuses to mitigate the problem. I am still open to raise money to satisfy the debt according to a current appraisal on an as is value or as an alternative surrender the property with a deed in lieu. I believe the bank may have a problem with standing and that is why there are continuing with the foreclosure. They lack standing and they are trying to acquire the title to the property through a foreclosure.
Consumer complaint received 2021-09-16
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: Experian Information Solutions Inc. (MI)

ON XX/XX/XXXX I sent a complaint to the company Experian complaint number ending in XXXX regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Experian is now in default must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.