davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MOHELA (AR)

I recently applied for home loan with XXXX XXXX who had problem approve me for home loan. Because MOHELA U.S. Department of Education has me owing them {$79000.00} Student Loan was granted College Degree in Music Major. Who only receive two student loan in the amount of {$5000.00} in two student loan. I feel I'm being taking advantage of because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Back doing XXXX. I stop going to college because had kids to support. So I took any kind of job to support my kids. To prevent them from being poverties. Because I grew up poverty by single mom with XXXX children without dad being presence in the home. I want to presume music career through college. Who had problem with system support my music career. It wrong to report someone owe {$79000.00} to credit bureaus owing {$79000.00} student loans. Who didn't graduate with college degree.
Consumer complaint received 2024-03-25
Product: Prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B.O.A is filing exceptions on my account followed by a levy and didn't send me a letter about it at all .They have let my 10 days go pass so that they can steel my money I going to the congresswoman about this it is a felony and they have no right filing anything on my account. I have also been told by one of there representatives that XXXX don't work and XXXX don't deserve and money When I ask why they file an exceptions one account they lie and say they can't do it but it was filed by there claims Department with .e over the phone but it was explained toe as if I was going to get my money Now I understand why the placed the XXXX box over my S.S number and birthday, ,so that computer there using can't pin the exceptions on my account that they have filed and claim to have paid me money I have never receive and then tell me I can't file my claim even if I never got the money. Something did to be done about these crimes that there committed ony account. They don't have real investors and there not following any of the rules of there injunction. And there lieing to you saying my account is closed but won't let .me close it. They have not been honest about my account even after I did all that was asked of me please help because cfpb seems to be the only ones getting payed. What about tax payers of the United States there putting us on the streets but me I know for sure there doing this to me because of the color of my skin.why eles would they call me a XXXX. Unexpected and unexceptional. Just unexceptional to be called a XXXX after all this time.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Debt was not valid. 
Received multiple " final statements '' from the creditor and they continue to report mis information* Originally owed a credit of over {$1700.00}. Then false additional statements were sent saying I owed. 
Thy are now reporting inaccurate information to credit bureau ruining my good standing credit rating. 
PLEASE HELP!!
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Specialized Loan Servicing Holdings LLC (AZ)

Debt contested in writing received by SLS on XX/XX/20. Never validated date. Did acknowledge receipt of written dispute in writing stating they were reviewing the case ) see included documents ). Since the time the debt was disputed in writing SLS has called and written hundreds of times. Eventually I had to block the phone number. They were informed that both my wife and I are XXXX and under the care of several XXXX MDs and that we are in an extremely XXXX  state. Instead of respecting a protected class, they harassed and abused us constantly while never validating the debt. The communications received from SLS from day one have been contradictory to other communications. Instead of validating the debt, they told me via email 65 ( maybe a slight exaggeration ) that the account was approved for forebearance - something I never asked for as I do not owe this money AND SLS has violated every law and regulation protecting consumers from unscrupulous actors taking illegal and actionable steps. Yesterday they decided to place a 150 day late mark on my XXXX  account causing a drop of XXXX points. Per my XXXX credit monitoring and scoring, all my scores were above 800 before this happened. All my debts are paid, most long before they are due including all mortgages, credit cards - except my wifes that Im a signer on but do not know about whether shes making payments in full or not. Ive worked extraordinarily hard to build up my credit after suffering a Great Recession business ownership driven personal bankruptcy. Theyve sent via various methods, hundreds of contacts since the debt was disputed in writing and acknowledged in writing by SLS. But not one of those contacts was them validating the date. Happy to provide additional detail as required but my physical limitations resulting from wrong level XXXX in my XXXX XXXX ( XXXX XXXX  planned, XXXX and a half ) cause XXXX XXXX XXXX which in turn quite strong XXXX XXXX and other meds with a host of horrible side effects including an inability to XXXX for more than ten minutes or so say a time. Ive reached that point and fear theres still more to go to finish the complaint. Please dont hesitate to contact me for any additional info needed.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

I applied for a XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX on XX/XX/20. The company reached out to me for an interview on XX/XX/20 and offered me a position an hour after the interview. The succeeding days including signing a contract and them emailing a check worth {$2000.00}, citing it as a way to set up direct deposit. They then told me to wire the money from my bank to a vendor to pay for training materials and I would start training upon receipt. I wired the money at my bank on XX/XX/20. After wiring the money, I was told that training materials would arrive on XX/XX/20. I get a message saying the company would need to redo the process again and they would email me another check. When I checked to see if the first wire cleared, I found out I was locked out of my bank account because the bank bounced the check but didn't cancel the wire transfer. My account is currently in danger of being sent to collections.
Consumer complaint received 2020-07-28
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants & Professional XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
Consumer complaint received 2019-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

In 2013 a man named XXXX XXXX opened up multiple personal loans with XXXX, XXXX XXXX, XXXX XXXX and used my Citi Card and gained personal access to funds using my name. I later found out and filed a police report ( Which I still have ) AND Sued him out of court. This has STILL messed up my credit report. I make over {$150000.00} per year with a w2 and a great job. This is ruining my chance at buying a house, etc. All I want is for these " closed account '' to be removed from my credit report.
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (LA)

I have explained to Diversified that this debt was no longer owed because we could not turn in equipment because of natural disaster in XX/XX/2016 and all of our belongings were lost. I also explained to them that the services that were charged for 2 months after I cancelled the service the day after the flood occurred. I told them to get in touch with XXXX  and resolve this matter with them. I also requested that they do not call me any more and to discuss the matter with XXXX. I just want the harrassing calls to stop and they continue to call and be rude and hang up when you tell them the reasons and tell you that they are collecting a debt and they want their money. They use bullying tactics and threaten you to report to credit. I have disputed this matter several times with these people and get no where with them.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

I filed with a Debt consolidation in XX/XX/2019. {$280.00} down, XXXX per month on {$5.00}, XXXX worth of debt. After a little over a year. I was told by my bank that my credit score had dropped to XXXX. I was almost in tears. explained to her what had happen. She told me to cancel this and not ever just into something, that its messing up my credit. She showed me that only one bill of {$400.00} was paid off. I called MCM and ask how much money have they taken from my account, and why the small debt hadn't been paid.she said I only have XXXX left in the debt consolidation account and they have to wait to they collect more money.So I ask where was all of my money going they told me that they paid one bill and they have to pay lawyer fees also. Thats when I stopped everything and changed my card, while I was there in the bank they was at the time trying to take money from my account. So now! the MCM took over the XXXX XXXX  account of a little over {$900.00}. I didn't hear from MCM. For about 3 months. I kept calling XXXX XXXX telling them I want to start back paying my bill with them. They say that I didn't owe them. I said I know I owe the bill. I went through a lot trying to find out who have my bill.Finally about 2 month later someone gave me a number to call. I finally got to the bottom of everything, and sent out letters to everybody explaining the situation. I was caught up in going through the death of my brother and I fell for this scheme at my weakest moment.with this Debt consolidator. So the MCM. started accepting my payments. For a while I had to ask for. statements. From then own, they call me all the time constantly. For no good reason. I make my payments on the XXXX of every month. Never late. One month I made one and another on the XXXX. they called me and said I still meed to make one on the XXXX. I said I made it on the XXXX because the XXXX fell on I think a Sunday. So I did. Now they calls and say I need to make payment arrangement and do an automatic draft. I refuse the Auto draft. I keep telling them that my payments is the same date that I have been paying on which is the first of every month. They say they don't see where i made arrangements. They are doing this to try and force me to let them do auto draft. I keep telling them no., but they have been doing this for 2 yrs. I am a XXXX and I have uncontrollable XXXX XXXX XXXX.. They are already being paid for more than I owed XXXX XXXX itself and I am never late on my bills.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I noticed on XX/XX/2022 that a purchase was made at XXXX XXXX for {$1400.00}. I immediately contacted Chase to let them know that I never authorized this transaction and that it was fraudulent. 

A claim was opened on XX/XX/2022, and I was just notified today, XX/XX/2022, that my claim was denied. Chase determined that this purchase was legitimate, even when I told them it was clearly fraudulent. 

Since I never made this purchase and certainly did not authorize this transaction, I filed a policereport with the XXXX XXXX Police Department and sent a copy of it to Chase. Even with this information, they informed me this was not enough proof and the charge for {$1400.00} was valid and I would be responsible for paying it. 

First of all, I never authorized this transaction nor did I make this purchase. Second of all, I never even received any products or services from this company. 

Chase mentioned they would only re-consider my claim if I submit additional proof. 
Submitting proof of a transaction that you did not make or even authorize is extremely difficult since I literally have nothing to reference ( no receipts, no invoice, etc. since I did not even make this purchase ). 

I then remembered XXXX XXXX had the audacity to call and leave me a voicemail on XX/XX/2022 stating that I was not home at the time of their attempted delivery. I am still not clear how they obtained my telephone number. 
This voicemail was sent to Chase, confirming that the merchant did not provide any products or services to me but still charged me {$1400.00}, which I never even authorized in the first place. 

I am very concerned about the legitimacy of this business as they knew about the potential fraud of this purchase, but still attempted to deliver the merchandise anyway. 
Fraud claim was opened XX/XX/2022, and delivery was attempted on XX/XX/2022. 
I am also very concerned with Chase and how they handle fraud disputes. I provided all the necessary proof that I could possibly obtain, which is not much since I never even made this purchase to begin with. They even disregarded the police report that I filed, saying it was not enough proof. 

Chase is attempting to charge me {$1400.00} for a product or service that I did not authorize, nor did I even receive. I also provided voicemail proof to Chase that the company never even provided any goods or services to me. This fraudulent charge should be removed from my credit card account.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX only address is XXXX XXXX XXXX  XXXX XXXX, oh XXXX appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX.. 

Please remove my number from my credit report thats not : XXXX
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: AmeriCollect (WA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OK)

Community Loan Servicing has grossly discriminated against me in their treatment of me as described in the attached document. They continue to refuse to provide me with complete documents and information that I've requested, and sent me a letter with false and deceptive statements as described in the attached document.