davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (NM)

XX/XX/19 : I was contacted by XXXX XXXX of Ability Recovery Services at XXXX XXXX XXXX, XXXX, PA XXXX. In the first phone call, she said the call was from a debt collector and told me the call would be recorded. She told be an amount over {$600.00}, which was to my knowledge, above the initial creditors amount due. I asked about it to which she responded that this is the amount due. I told her Id call the creditor, to which she said they will just have me call her back and hung up. 

I called back on the same date XX/XX/19, and the call was immediately answered by her, and without anything else she said, XXXX I have to call you back Im taking a payment. And she hung up on me. 

She called me back a couple minutes later and did not identify herself as a debt collector and that the call was being recorded. She was extremely rude, told me if I had just paid in the first place, continued to raise her voice, and claimed I was making demands when I was asking for the business name and address. I kindly asked for a validation of debt, and she said I was using stalling techniques and trying to make me feel as if I was being unreasonable in my request to ask for debt validation. I asked for the address and name of the business and was provided the information. She then began to say you dont have to be such a ... and then I couldnt hear anything else. I said excuse me, what did you say? And she says oh Im still here. She attempted to verify my address and couldnt say it because, per XXXX, she doesnt speak Spanish and claimed I was picking on her when I said that she couldnt pronounce it and was going to offer to pronounce it for her.
Consumer complaint received 2019-09-21
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: DISCOVER BANK (AZ)

This is to dispute information listed on my XXXX XXXX XXXX ( XXXX ) Report ; I have no knowledge of the Discover account listed on the report. I believe that that account was possibly fraudulently opened in my name in 2016. The phone and email address listed are not mine. Attempts were made to contact Discover ( via XXXX XXXX ) to ask for the address so as to write to Discover directly but they were unable to supply the address so Im seeking help from CFPB.
Consumer complaint received 2019-09-21
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used bank of america mobile banking app on my XXXX XXXX to transfer money to someone ; Bank of America used a service called XXXX that I believed was a bank of america product but apparently this is a 3rd party product that bank of america uses to transfer money. 

The person i sent money to said she hasn't received the funds i transferred yet - I transferred funds from my checking account to the receiving party 's account on Monday / XX/XX/2019 and today is XX/XX/2019 and the funds haven't yet made it to the person i sent it to. 

I called bank of america and they have debited $ $ from my account on XX/XX/XXXX and today when i called bank of america their customer support wanted me to call XXXX customer support to enquire what happened. They claim the money was transferred but the other person 's bank is telling her that no money has been received by them. 

also, i dont think i ever opted in for this XXXX services and / or remember ever reading the terms and agreements that they claim i agreed to and open in to of my own free will. 

This is just highway robbery committed by bank of america and this 3rd party XXXX - also, {$250.00} can not just disappear into thin air - if the transaction wasn't completed, it should be refunded back into my account
Consumer complaint received 2019-02-14
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My XXXX report is showing three accounts with Bank of America - 2 closed and 1 appears to still be open. These are not my accounts. Attempts were made to contact Bank of America to report that the inaccuracy needs to be deleted. Unsuccessful attempts were made to these BofA phone numbers : ( XXXX ) XXXX & ( XXXX ) XXXX and I was unable to locate the appropriate address via an online search. In a XXXX Chat with BofA, I attempted to get the address so as to write and have the inaccurate information deleted but was informed that I must contact XXXX directly. Since BofA is a part owner of XXXX Im uncomfortable further trying to resolve this via XXXX and seek the help of CFPB.
Consumer complaint received 2019-09-20
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. (TX)

I have been a victim of identity theft. I have contacted XXXX and Equifax to disputed the inquires, from fraud. Equifax concluded the same day I filed my complaint that the inquires were valid. This is not a true statement and how can they investigate so shortly. XXXX I have no luck with either. I reported this when I discovered the fraudulent inquires.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to XXXX, Equifax, and XXXX. Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with XXXX, XX/XX/XXXX, with Equifax, and XX/XX/XXXX with XXXX. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to Equifax but failed to provide any record for the same date on XXXX and XXXX. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to Equifax but XXXX this information from XXXX and XXXX. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a XXXX percent payment history for Equifax XXXX while indicating XXXX percent for XXXX AND XXXX Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2019-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Loan Science, LLC (MO)

I have 2 loans who were once with Loan Science. I have been on multiple repayment arrangements and each time I would set it up they would never actually take the money out of my account. I would wait for it to come out, try to get a hold of them to no avail and then they would call and harass anyone they could to try to get a payment. The loan has been sold so many times, it's impossible to track. I believe it's currently in default since there is no servicer that lasts longer than a couple months. I just received another letter again that the loans were sold yet again. I also received a letter in the mail stating it was discharged. I don't even know if I still owe the money legitimately.
Consumer complaint received 2019-09-20
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Total Card, Inc. (AZ)

I keep receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, threats of violence and death from Total Card, Inc. Debt Collection Representatives for a debt and fraudulent XXXX XXXX XXXX credit card account I never applied for and thats not my account. I never applied for or received a XXXX XXXX XXXX credit card. The account is fraudulent and not my account. Its extremely disturbing, disgusting and frightening to be receiving telephone calls of profane language, threats of violence and death from Total Card, Inc. Debt Collection Representatives. I am in total fear of my life. Total Card , Inc., is in major and serious violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Consumer complaint received 2019-09-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I am asked to pay {$520.00} by I C system. I was with this XXXX who promised to work on my XXXX XXXX and also XXXX XXXX XXXX XXXX process. I paid all the amount till the services were provided. I donot owe any more money as my XXXX XXXX process was not done. I was wrongfully sent to collections and this is causing a lot of problems with my scores.
Consumer complaint received 2019-09-21
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: Midwest Recovery Systems (OH)

I just found out about this on my report about two weeks ago and didnt really know what to do about it the account says open on XX/XX/2019 in the amount recorded on my credit report says {$230.00}. Now I have no knowledge of the company or services rendered. So after i noticed this on my report i began looking for my SS card which i have now noticed is also missing. After coming to this website i will be contacting the company in question but i also wanted to file a complant for identity theft as well because I truly believe that is what is going on with this account.
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 I called Capital One ( GM Credit Card ) to inquire about a billing statement but my call was shifted to the fraud section instead because of suspected fraudulent activity. I provided all required info ( DOB, phone number, and last four digits of my SSN ) as in numerous prior occasions when contacting Capital One, but their representatives would not provide me with any information because I could not provide the SSN of the primary card holder. I indicated that the primary holder was in another city, that she was XXXX years old, spoke limited English, was ill, and I was an authorized user of the card with my own separate card number. I was very concerned regarding their belief that there was a possibility of fraudulent use and inquired what steps they were taking to address it, but since I wasn't the primary holder they refused to give me any information. When I pressed her on their policy regarding fraudulent use, it was apparent she was ignorant of the policy and suggested the primary holder notify Capital One. I asked to speak with her superior, but she indicated her superior did not and would not respond to customer inquiries.Why does Capital One suspect fraud, and what steps are they taking to address it and protect the cardholder ( s )?
Consumer complaint received 2019-09-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CERTAINTY HOME LOANS LLC (NC)

In XX/XX/2019 I made a mortgage payment to Certainty Home Loans. I did not realize that XXXX XXXX XXXX was the new servicer. Certainty Home Loans did not forward my payment to XXXX XXXX Loans until XX/XX/2019. By that time my loan was sold to XXXX. XXXX began servicing the loan on XX/XX/2019. I have reached out to all three companies repeatedly for several months ( via phone and email ) and provided proof of payment but no one has been able to get my payment recorded properly. I am XXXX XXXX military ( XXXX XXXX ) and currently on XXXX XXXX  assignment away from home. I should not have to continue to reach out to these companies with no resolution. I would like my credit report fixed and any late fees/interest credited to my loan. I believe all three companies are in violation of RESPA and FCRA.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

I am writing to file a formal complaint regarding the inaccurate reporting and failure to service loans by XXXX. Specifically, I have discovered that two student loans, originally held by the Department of Education and subsequently transferred to XXXX, have not been serviced by XXXX since XXXX. I received this information directly from XXXX. 

Despite numerous attempts to resolve this issue through XXXX 's customer service and investigative processes, I have not received any satisfactory resolution. These loans have not been serviced for almost a decade and are beyond the seven-year term of reporting. Therefore, they should be removed from my credit report immediately. 

This inaccurate reporting and lack of servicing have caused significant distress and potential damage to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX for their failure to adhere to regulatory standards and consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and urge for a prompt resolution.
Consumer complaint received 2023-04-05
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. (TX)

Over the past year I started paying more attention to my credit report. I found a few things that I didn't recognize and also found out that I was a victim of the XXXX breach. I have a fraudulent XXXX XXXX account on my report that is showing " charged off ''. Initially I contacted XXXX XXXX directly and received very little help. I then received some bad advice from a repair agency that said since the balance was only {$71.00}, it would be easier to just pay it and it would be deleted faster. Needless to say, they were wrong. I then went through the process of filing identity theft. XXXX immediately investigated and deleted the account, TransUnion has not. This fraudulent account is drastically affecting my score and finances. I've done everything to try to fix it. Please help me make this right.
Consumer complaint received 2019-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

MY MORTGAGE CHECK HAS BEEN STOLEN BY ONE OF LOANCARES EMPLOYEES -- >ACCOUNT OF ATTEMPTED IDENTITY THEFT BY A LOANCARE EMPLOYEE -- < XXXX XXXX Acct # xxxxxxx LoanCare Mortgage Acct # xxxxxxxxx SS : xxxxxXXXX INCIDENT DESCRIPTION ; My bank -- -- issued an automatic payment check payable ( mailed ) to LoanCare , LLC ( copy attached ) in the amount of my XXXX amount due ( {$1900.00} ). The check was stamped Received XX/XX/2019. Yesterday, I received a hand-written letter from a XXXX XXXX ( XXXX ) of XXXX XXXX XXXX, XXXX, NJ XXXX. ( Relevant documents attached. ) The letter to me claimed : 1.  LoanCare LLC had written her a letter enclosing a copy of the above check ( my mortgage amount ), with the Credit to the account number ( old XXXX mortgage account number ) typed above Pay to the order of LoanCare , LLC ; 2. She said that LoanCare LLC alleged in that letter that the amount of the check had been erroneously deposited towards her mortgage which was sold over a year ago ; 3.  Because her account had a XXXX balance, LoanCare was returning the check to her ; 4. Along with my NEW LoanCare account number!!! And 5. She was being extremely conscientious about writing me about this mix up so that this mix up on their part does not cause you any added grief or stress ; and 6. She enclosed the To whom it may concern, memo she says she sent to LoanCare LLC notifying you that ( a ) Mr. -- -- -- had accidentally put the wrong loan number on the check ( a type-in number by my bank is no accident ), and ( b ) And, The representative at LoanCare LLC also asked me to include Mr. -- -- - 's loan # xxxxxx ( WHY? ) Question : Where is the physical check made out to LoanCare LLC??? 
Another question : What would be the reason for LoanCare LLC to send my check to her? 
Further : ESPECIALLY WITHOUT CASHING IT, since they evidently KNEW the new LoanCare #? 
Further : My bank noted that LoanCare had cashed my XXXX check by looking up that #!!! 
This is a ( pathetic ) attempt to steal my identity and bank information. 
I have closed the account the mortgage payment was drawn on, opened a new account, and paid my mortgage on the phone today. ( I need to get a refund for the {$15.00} phone payment fee. ) I have notified the police in XXXX, CT, of this attempted identity theft. 
LoanCare LLC needs to launch an immediate investigation of its payment processing personnel!!
Consumer complaint received 2023-04-05
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is incorrect personal information on my credit report, such as names and incorrect address / old addresses. Below are the names and addresses that need to be removed from my credit report and accounts associated. 

Inaccurate unknown names- 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 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 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