davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX Original Creditor : TX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

US Bank refused to cash any of the US Government XXXX XXXX Savings Bonds I tried to deposit in my checking account. They would not even look at them. When I said that I think they had to process them for deposit by law they said I was wrong. They said their bank 's policy was to not process any savings bonds at all because there is so much fraud involved. Like I say, they would not even let me show the bonds to them. They told me to try the Federal Reserve.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

The estate account was not safeguarded by Fifth Third Bank and XXXX dollars was fraudulent transferred by its lack of oversight. In the dispute process one check was credited for XXXX dollars..The remaining XXXX dollars of the estate account was denied. This denial is based on Fifth Third Banks assertion that the claim must be filed within 30 days which is in direct conflict with Ohio Law as cited in Muller V. Muller. 162 Ohio App. 3d698 ( 2005 ). From the XXXX dollars the Fifth Third Bank has recovered XXXX dollars of the estate account from other banks according to the police department information. I have not been notified that the XXXX dollars has been deposited back into the estate account. This is a problem. Where is the management and notification from Fifth Third Bank and where is the money?
Consumer complaint received 2018-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the course of a real estate escrow a criminal realistically posing as the escrow company contacted me with instructions to wire {$78000.00} to a XXXX Bank Account with the Account Name : XXXX XXXX XXXX Trust Account. Thursday XX/XX/2018 XXXX XXXX did not take appropriate precautions : I went to my home Bank of America branch at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and gave the wiring instructions to the teller, XXXX XXXX. XXXX XXXX   completed the wire transfer even though the routing number did not match the address of the US Bank and THE NAME ON THE ACCOUNT DIDNT MATCH. The money was deposited to US Bank and withdrawn from the receiving account with the incorrect name by the criminal. US Bank should not have deposited my money into an account with a different name than the name I specified. Routing # XXXX account # XXXX
Consumer complaint received 2022-03-25
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc. (TN)

Nemo 's Collection agency reported a fraudulent debt on my credit account creating a derogatory mark on my credit report. This mark and additional account negatively impacted my credit score and opportunity to get a car loan. This company does not perform due diligence in their matters which adversely impact those they report against ; seemingly without retribution for their negligence.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (GA)

On XXXX an ACH was set up to transfer funds into my PenFed account. The ACH was processed successfully the next business day and PenFed put a deposit hold until XX/XX/XXXX. I have attempted to access the funds multiple times since then and PenFed has continuously blocked my account. I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC addressing the availability of funds. That request has repeatedly been denied. Initially on XX/XX/XXXX I was told that they wanted me to supply proof that the funds had cleared the sending bank account. I resisted the request, explained that my rights to access the funds under Title 12 and Reg CC were being infringed upon, and the associate agreed with me saying that the account would be unlocked. He went on further to say that if for some reason the account was locked again I simply needed to say his name or provide his employee badge id to have it unlocked. Since then my account has been locked again and they have added to the documentation requirements. On XX/XX/XXXX I expressed concern to a supervisor that none of this made sense and I was concerned that I was being racially profiled by someone with access to the backend of PenFed 's system that was terrorizing my life by infringing on my rights under Title 12 and Regulation CC. The supervisor was immediately dismissive of my concern and went on to defend himself, as if I had said he was the individual racially profiling me. In the morning of XX/XX/XXXX I emailed a Unit Manager expressing the same concerns of Title 12 and Reg CC, along with the XXXX profiling. That email has not been replied to. On XX/XX/XXXX I had a conversation with another manager who insisted the additional documentation was required. My reply to him was that I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC regarding my access to funds in my account. He said it was a reasonable request but it has not been received. Also of concern, during that phone call the manager made a statement that PenFed captures and retains demographic information regarding their customers which only compounds my concern of XXXX profiling by someone with access to the backend of their system. In a separate conversation with another manager I read the language of the law in Title 12 and specifically asked if my request for an official communication that is compliant with Title 12 for funds availability was being denied ; rather than take the concern and request seriously the manager 's unprofessional response was to say that I was good at reading the script.
Consumer complaint received 2021-08-24
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: National Credit Systems,Inc. (NC)

On XX/XX/XXXX, National credit system added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX  XXXX  has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2018-03-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

XX/XX/XXXXXX/XX/XXXX received a HAMP modification. currently and have always been current with my mortgage.XX/XX/XXXX started receiving bills from another mortgage company, SN Servicing , at first was throwing away thinking was a scam. then received notice of default, so I called them, they claimed to own my second. equity line of credit. told them I had been modified and should no longer have a second. after threatening to foreclose I came to agreement paid {$2000.00}, then started payments of {$320.00}, for about 4 months. whole time thinking something is not right. after speaking with real estate agents, they also said something is not right. second should have been taken care of in MOD. paid lawyer {$600.00} he said same thing, looks fraudulent.

after months of research, the numbers in payments added up to it being taken care of but couldn't find anything in writing. Then got sale date. paid {$3500.00} to another lawyer he said same thing, looks fraudulent. filed chapter XXXX to stop sale. after his research found that the company XXXX XXXX XXXX that handled my MOD was shut down and disbarred for fraud. so 13 fell through due to finances I am back to sale date, from SN Servicing. after not receiving any bills or any kind of notices for 10 years they a foreclosing and asking for {$90000.00}, original loan was {$54000.00}, they are charging for all back bills due and fees, and foreclosure fees. denying to look at any modification. this was not a failure to pay due to financial hard ship but was not paid due to me not knowing the loan was valid. Now they are not wanting to work with me
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

For the past 5 years, I have been put on a graduated repayment plan that I was not aware of and did not approve, and I did not know that the payments will increase every two years. I work in the public sector, specifically, I am an  XXXX  for the  XXXX   XXXX . Because of my employment in the public sector, I qualify for the public student loan forgiveness program. The payments that I have made can not be counted towards the PSLF. From today I should have had 5 years of payments left towards my loans to receive the forgiveness granted for individuals working in the public sector. But because I was not put in a qualifying repayment plan, I have to start the public student loans forgiveness program all over again. My loan servicer was not compliant with the regulations that the CFPB has set as well as the CFR.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I have filed a complaint regarding the issue in early XXXX, which hasn't been resolved given the response from the company on XX/XX/XXXX. 

I have spent more than required for the welcome bonus in XXXX, but have not received the rewards points as advertised so far ( late XXXX ). In the response from the company, they mentioned that th

ere was an issue with a transaction, and they would review and remediate my account after fixing the issue. They did not explicitly describe what the issue was, and whatever it is, it should not be an excuse to delay the deposit of the reward points. As far as I know, the referred transaction doesn't violate any of the rules for earning the rewards points, and they have deposited points associated with that transaction to my account. Therefore, I think the so-called issue with the transaction is not a valid excuse to further delay the deposit of the points. Meanwhile, the company claimed they have provided correct info regarding the timeframe for the deposit of the rewards points. It has been 3 months since the spending criteria was met, and 2 months since the statement generated in which enough spending was made.
Consumer complaint received 2021-08-24
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. (TX)

Hello. I am finding that one of the most difficult things I deal with is getting the reporting agencies to report information accurately. I spend much of my days dealing with this and you dropping my scores between billing cycles. I do not carry balances I do not care how much credit I use. I need you to correct the following entries on my credit report immediately and I need you to stop playing with my credit score when balances never carry over. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$98.00} which will be paid off by the end of Business Today The only card carrying a high balance is XXXX XXXX XXXX XXXX and that is only because I have yet to be allowed to make a payment and when I do 50 % of that balance is gone with one payment. I am not sure how you are recording your information but if you check my history with each of these card holders I do not carry balances. Please correct and reflect properly on my credit
Consumer complaint received 2021-11-18
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: Professional Credit Analysts of MN, Inc. (VA)

On XX/XX/2021, PROFESSIONAL CREDIT ANALYTS added a derogatory on my credit per XXXX. Upon further research this account was transferred/ sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, PROFESSIONAL CREDIT ANALYTS has violated my rights and I'm requesting legal action to remove account immediately.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (MI)

I contacted Ability Recovery several times throughout XXXX & XXXX respectively. Most recently I spoke with their representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have provided the collection agency with dispute letters, fraud reports with local law enforcement as well as an FTC fraud report.

Ability Recovery has reported this debt under different account numbers with various dates of assignment and first date of delinquency all of which conflict with one another indicating that not only has Ability Recovery attempted to collect on an invalid debt but that they are also in violation of the fair credit reporting act in that they have intentionally re-aged this debt. 

This debt was also concurrently attempted to be collected in XXXX and XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX however the agency sent a letter of correction both to myself and the credit reporting agencies.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (AL)

I was promised by RPM that they would delete my collections account after it was paid. I have tried talking to everyone at that company but no one will even help. I did n't even realize I had debt un paid until I tried to get my mortgage. I paid the debt immediately in full and trusted they would do their part.
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

XXXX XXXX XXXX paid in full still on my credit file XXXX Rausch Sturm LLP I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. 
XXXX XXXX paid in full is still on my file Ice system paid in full still on my file
Consumer complaint received 2019-08-05
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. (MA)

I have disputed two inquiries on my credit report with the data furnisher and the data furnisher replied to me telling me that they were going to send a request to Equifax to have the two inquiries in question deleted from my credit report. This was around two months ago and still the inquiries are being reported on my credit report. I dont know why equifax wont delete these inquiries if the data furnisher is telling them to do so, I have the response from the data furnisher and I will include it in this complaint. The inquiries are XXXX   and inquiry dates are XXXX/XXXX/2018 and XXXX/XXXX/2018.
Consumer complaint received 2017-06-06
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: STERLING JEWELERS, INC. (PA)

I have disputed multiple times with all   XXXX   credit bureaus because an account with  KAY JEWELRY is o n my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business w ith KAY. I  have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
Consumer complaint received 2015-11-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Ocwen has taken several payments and took over 3 months to refund them they take more than the payment due each month and then call multiple times telling me i am not current i have contacted managers and no response i have had over XXXX issues with this company and no resolve
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Our business holds an account with Bank of America in XXXX, NJ ; on XX/XX/2022, I made a deposit at the Teller 's window for a total of {$8900.00} which comprised of 1 cheque in the amount of {$440.00} and {$8500.00} in cash. The teller ( associate XXXX ) made an error and recorded my cash amount as {$83.00}, and when he realised his error, he had a supervisor make the correction to the cash deposit and instead of voiding the entire transaction, the supervisor recorded the cash difference of {$8400.00}. Although the total deposit amount of {$8900.00} is correct, i decided to check our account upon my return to my office. I now realised that the bank placed a hold on my deposit except for the {$83.00}. I called the branch, no one answered the phone, but eventually got XXXX on the phone, I told him what the issue was and he left me on hold until the phone was forwarded to a non stop telephone ring. XXXX never came back to the line. At XXXX I then called the main customer service line and was told that they are unable to do anything because the bank was closed. This branch closes at XXXX and my call to the XXXX NJ branch was at XXXX, my deposit was made at XXXX. This is unacceptable for a bank to hold a cash deposit. Bank of America has done this to our business on XXXX previous occasions. This bank needs to stop this practice of holding cash that belongs to consumers!