davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I sign a contract with XXXX XXXX XXXX XXXX on XX/XX/2021 to do a garage. I send him {$4200.00} and {$1700.00} thru XXXX Bank Of America XXXX has XXXX Bank. I pay {$2700.00} for concrete to a company. XXXX XXXX disappear and stop answer my calls and messages on XXXX so I contact Bank Of America I did a claim explaining that I was being scam by XXXX but Bank Of America did not approved my claim. Bank Of America refund me {$2700.00} from concrete company but concrete company call me that if didn't pay them they were gon na sue me that I had to get the money from XXXX so please don't do anything against concrete company. ( while I did the claim thru Bank Of America XXXX send me {$2000.00} by XXXX. In total he stole/scam {$6600.00} I'm appealing that in court but its taken a lot XXXX has bench warrant cause he did not show to court. I hope you can help me in any way so I can get my money back soon. Thanks
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I received an Annual Escrow Account Disclosure Statement dated XX/XX/2019 that listed our new mortgage payment as {$XXXX}. Originally, since our mortgage began in XX/XX/2019, our mortgage was {$XXXX}. After researching, it was found that the mortgage company had incorrect amounts for our tax amounts/escrow. The mortgage company listed our property taxes at roughly {$XXXX} when the correct amounts are just around {$1100.00}. I called them immediately and asked what I should do. They requested that I email them scans of the information I have. ( Note - They said I would receive confirmation that they received the correct information via email but in the first three times, and then the following two times, that I emailed information they requested, not  once have I received a confirmation. Throughout all of my emails, I have never received a confirmation even though they have the correct email for me on file and I double and triple checked the email they wanted me to send the scans to to make sure all was correct. ) So, I emailed them scans of our tax bills THREE times over the course of a few days, with no response. They confirmed that they received the information, only after I took the time to call them again, and that an adjusted bill would be sent in the mail. I then received an updated bill that listed our payment due for XX/XX/2019 as {$XXXX}. After more researching, I found that the mortgage company STILL has the incorrect amounts. I have now emailed a scan off an official Tax Certificate TWICE with no responses again. Per a phone call on XX/XX/2019, I was told that it would be resolved within a week or so. I called the next week on XX/XX/2019 to check on the progress and it was discovered that whoever I talked to on XX/XX/XXXX actually did not forward my information to the tax department and no progress was made. It was confirmed during the XX/XX/XXXX phone call that my information was indeed being sent to the tax department this time and the matter should be resolved within a week or so. I have since called XX/XX/2019 ( Three times on the same day since their phone system kept dropping my call while I was on hold for roughly 30 minutes EACH time ) and XX/XX/2019, and the only information the company will give me is that it has been forwarded to the tax department and that they are looking into it. I check daily to see if the amounts have been corrected and they are still incorrect, which reflects an incorrect mortgage payment amount.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau XXXX XXXX has XXXX on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX  XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX  XXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select portfolio once again continuing their insurance fraud act on my mortgage account. I have received a renewal notice. I have no obligation to have hazard insurance and mortgage payments on my home, according to my defected permanent home modification. But select portfolio have been collects a unlawful debit every month. Select portfolio has force me to pay a fraudulent insurance that doesn't exits. Select portfolio collected {$680.00} fraudulently and want to collect this coming year. I am Asking here the full name the officer who examined my mortgage and ordered that I have to pay Hazard insurance. The Documents you sent me last time to justify your decision is qualifies intentional fraudulent misrepresentation and deceitful documentation. I am asking Select Portfolio the provide the full name of the officer. I finalized my investigation last month and I have full understanding the scheme you are participating, I will file a case against all players the coming three month. my goal is that innocent home owners never go through, what you put me through.
Consumer complaint received 2023-02-19
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. (AL)

Experian credit report agency recommended me to apply for credit card capital one due to incorrect information database force me to have a inquiry hard on my credit report fraudulent activity happened with credit report agency an capital one false information force me to apply for credit card denied me credit an they not updated my credit score to account I have ok file fraudulent activity happened with my credit score request investigation an that inquiry be removed due false information
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The incorrect information has not been corrected and they have been violating my rights for over 6 yrs. 

XXXX Showing both accounts ( Paid As Agreed Never Late ) PAANL Requesting EquiFax & XXXX to correct the status : EquiFax reporting incorrect information XXXX Dealer Services Acct # XXXX XXXX reporting incorrect information ( 30 Days Late ) 1XXXX XXXX XXXX Services Acct # XXXX XXXX XXXX XXXX Mortgage ( 120+ Days Late ) Acct # XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This was not done : I did not receive any such letter and all my attempts to remove this inaccurate information have been hurting my ability to get qualified credit.
Consumer complaint received 2019-07-15
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. (GA)

To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (AZ)

RE : XXXX XXXX XXXX CD ACCOUNT ending in XXXX This is a CD account. EWS has told me that CDs are not subject to reporting with EWS. The account was closed XX/XX/XXXX yet on my EWS report there is information showing XXXX cents in interest paid on XX/XX/XXXX. After being on a call with XXXX  XXXX XXXX for 2 hours and 53 minutes I'm told that they are unable to locate the account. 

The information regarding the CD account is false and should be removed from my EWS report especially since CD accounts are not subject to reporting.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The Credit Reporting Agencies such as XXXX, Trans Union and XXXX purposely keeps old information on credit reports to ensure a low credit score with certain customers.Scores remain the same for years when improvements have been made on payments, opening of new accounts and lowering the amount of credit debt.This process delays the consumer from establishing a good credit score and it seems like a game is being played with the consumer.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$1500.00} on XXXX XXXX XXXX  account number XXXX***. ( Please see page attached from my credit report. ) This medical collection account was reported recently on my credit report and is fraudulent. I called the collection agency and this account is from a hospital in XXXX, Arizona. I have not lived anywhere near XXXX, Arizona for over ( 17 ) years. They said that the collection was for my daughter whose name is either XXXX or XXXX. ( The representative was very difficult to understand. ) My daughters name is not XXXX nor XXXX. The names are not even close to similar. My daughter does not live in Arizona and she has her own health insurance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2022-04-22
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: CrossCountry Mortgage LLC (FL)

I have hard inquiries that was not made by me or authorized by myself could be related as fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 Cross country Mortgage XXXX XXXX XXXX Cross Country Mortgage XXXX XXXX
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (CA)

On XX/XX/2023 I caught the mistake Loancare XXXX XXXX made. They purchased a XXXX XXXX on my behalf even though I provided them my current insurance policy through my HOA. They disregarded this information and purchased a XXXX policy insurance on my behalf and they took XXXX from my escrow account. It took over XXXX XXXX  for me to get a refund. 
Now that I received the funds and I want to make payment, their system is down. My state property taxes are due and my escrow account is in the negative. I have contacted consumer protection attorneys over this matter and I was told to file a report. Furthermore, I can't make my monthly mortgage payment either, which I am afraid can hurt my XXXX XXXX and my cause additional late penalties on my property. This is completely outrageous and illegal.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

All number of companies had place hard inquires without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

Letter were send to company and via CFPB regarding violation of FCRA and USC. 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.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (WA)

I asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.
Consumer complaint received 2019-07-15
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. (NY)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND IS STILL REPORTING AS A DEROGATORY. CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT REMOVE AS SOON AS POSSIBLE.
Consumer complaint received 2022-10-03
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Trident Asset Management, L.L.C. (WA)

I asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$XXXX} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my XXXX XXXX, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$XXXX} promotional value would appear in my account. Apparently the promotion had expired ; however, I did not know it had expired at the time I opened the account and the website link advertised on the direct mailer made no indication that the promotion had expired. I opened the account under the impression that, and for no other reason than, I would be receiving the {$300.00} promotional credit. Now, nine months later, TD Bank refuses to honor the promotion even though there were numerous instances in which they could have told me that the promotion was no longer valid. My money has been tied up in the TD Bank account for nine months, accruing almost zero percent interest, when it could have been earning interest in any other account. So, by TD Bank 's not honoring their advertising promotion, I have lost money.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Credit Services Inc. (MD)

Bankruptcy in XXXX of XXXX. Debt collector did not start calling until XXXX. I have not received no paperwork about this debt. Abusive language was used and person did not listen.
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Today XXXX I went to my local Atm to withdraw money to pay so bills and it said call the bank. So I said what and I looked at my emails and say that my deposit hit the bank and called them. They said cause they had unusual activity and it was a purchase at XXXX drive thru. I said for that you shut down the card for XXXX cents when I have XXXX in the account and that purchase was four days ago. They said they unlocked my card so I hung up went to atm and it still wasn't working. So I called back again they said you at atm try I did still nothing and we is that 5 times cause agent on phone said that to me so I did.then I was transferred to a supervisor and she wasn't nice said well we need you to go to bank and verify your identity again I said again. So I was driving there and just checked the online app again and it wasn't working so I called bank of America and they said we closed your account I said why and where my money they said they did it cause of business and my money will be mailed after they are done. That was my rent it can be 6 to 8 weeks they said I can t afford that I am not rich and I need it back they hung up on me I called back and they said not there problem.thank you XXXX XXXX
Consumer complaint received 2019-07-13
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: Merchants' Credit Guide Company (TX)

On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' Credit Guide regarding an account on my report which does not belong to me of {$470.00}. MCG confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. XXXX   continues to report the inaccurate information. I last disputed the account with XXXX on XX/XX/19 and received notice on XX/XX/19 that the account was verified. XXXX will not provide information of validity and I have not received documents for validation from Merchants ' Credit Guide.
Consumer complaint received 2022-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 also exposing charged off accounts and late payments to the public Please help me delete all inaccurate information