davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (ID)

CMG Financial has been an extremely difficult to deal with since the inception of my loan. I wish I had never bought a house using this incompetent company as it has been the worst experience ever ; and has made me literally hate my house. Moreover, XXXX has repeatedly proven they do NOT know how to manage an escrow account correctly. 

Most recently, XXXX was provided with my forced placed flood insurance renewal documents and failed to pay the renewal causing my policy to be cancelled for non-payment. As the policy was cancelled for non-payment, the premium increased from {$660.00} to over $ XXXX year. I confirmed my insurance company mailed the documents directly to XXXX. 

I have reached out to XXXX on 4 occasions with Zero resolution to my questions and concerns. They have repeatedly ignored and " breezed over '' my questions as to why it was not paid and how they intend on reimbursing me for their negligence. They just tell me it's my responsibility to make sure they get them. I did make sure they got them and I provided the documents showing it was mailed to them, twice. 

I am tired of this company screwing up my escrow account and taking no responsibility for their actions and negligence. This company has no customer service as they have consistently proven they don't care about their customers. They should not be allowed to write loans for ANYONE in my opinion. No consumer deserves to be put through the constant frustration I have had to endure for more than two years having this loan with CMG Financial.
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debt collector has not provided notice of when the original debt occurred and submitted collection as of XXXX/2020. I still do not recognize this debt from any prior purchases. This debt collector has sent invoice documents that I do not recognize since I never made any purchases through XXXX ( original debtor ). This collection notice needs to be removed from my credit report. I did not recognize this debt and don't understand how it was even opened for collections in XXXX, 2020 so it can be related to identity theft.
Consumer complaint received 2019-07-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

In late XXXX, I mailed a letter to Equifax, requesting that they investigate errors on my credit report. They were supposed to respond with the results within 30 days via postal mail, but they have not.
Consumer complaint received 2024-02-12
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. (AR)

To whom it may concern, I am writing to dispute unauthorized hard inquiries on my ( XXXX, XXXX, and XXXX ) credit report. My most recent credit report shows ( 6 ) inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit and causing undue distress.

According to the Fair Credit Reporting Act, 15 USC 1602p, " unauthorized use '' refers to the use of a credit card by someone other than the cardholder, without the cardholder 's permission or benefit. As I did not authorize these inquiries or benefit from them in any way, I am requesting that you promptly remove them from my credit report in compliance with the FCRA.

Please let me know if you require any additional information to process my dispute. I look forward to the swift removal of these unauthorized inquiries.

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Presented POA to the bank and was approved able to withdraw from the account and requested a wire transfer and was approved. Then the funds was held by the banks wire transfer dept. because my name is not on account which was not the case. At the branch, they were able to add my name on the account by POA but the wire transfer dept. cant see the approved paper so they were requesting an account verification by phone which didnt materialize because the account owner was unable to communicate. But since my name was already added on to account it should be enough.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (AL)

CREDIT SYSTEMS did not get my written permission to furnish the unauthorized debt account in the letter attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report this debt. CREDIT SYSTEMS continuously fail to do due process designed to validate the debt Furthermore, as proof of the violations of my rights, The Privcy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate the alleged debt. I ( the consumer ) have never validated the item listed in my attachment. 
The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate this alleged debt.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (PA)

Fraudulent accounts appearing on my credit report. 

1. XXXX XXXX XXXX XXXX {$100.00} 2. The XXXX management {$730.00} 3. XXXX XXXX XXXX {$510.00} 4. XXXX XXXX XXXX Co {$460.00}
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year, between XXXXXXXX XXXX due to extreme financial hardship, medical problems, I became a series behind on several of my bills. While I normally make a great effort to honor my bills on time and fulfill my responsibilities at this time of the late payment, I was simply financially able to make the payment on time but I made the payment. 

I have since gotten back on my feet and bought my account up-to-date with your company. 

I am now trying to buy a home, however, I am having difficulties receiving affordable ways due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing the late payment from my Credit for As a gesture of goodwill. This kind removal will sincerely be appreciated and an invaluable gift to my family and I.
Consumer complaint received 2022-07-25
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This debt collector " XXXX XXXX XXXX '' engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA I am entitled to XXXX XXXX Dollars per violation which clearly they violated my rights. They are furnishing a fraudulent account from XXXX XXXX acct number XXXX twice on my experian credit report. One shows as closed the other shows as in collections. This is not my account and I am a victim of identity theft. 
Experian is also engaging in abusive, deceptive and unfair practices by furnishing this information incorrectly on my credit report.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing the account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with a Balance of {$2100.00} and Date Opened on XX/XX/2018 by sending written letters to the Credit Bureaus XXXX But despite all my efforts to have this account corrected, the Credit Bureaus have been ignoring my requests. The information this account reports is outdated and inaccurate! The Credit Bureaus are required to correct the reporting of this account under the FCRA section 609 and section 611 inorder to report accurate information only on a consumer 's Credit report. I am submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA regulation and correct my Credit Report.
Consumer complaint received 2021-06-15
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. (CA)

To Whom It May Concern, It has come to light that this credit " Bureau '' is not in my best interest, and is in the art of illusion to sell me the " secured party creditor '' a status that is not only unconstitutional but unlawful. This " Bureau '' has obfuscated my consumer rights to do business as a consumer & as the original creditor. Further, this so called " credit organization '' is not found in 31 U.S.C. and is not Congress made. The level of fraud here is a true art of illusion for those without an eye. I DEMAND this unlawful entity completely remove & clear ALL these " credit reports '' and the amendments with my business name in order to continue to do business. TREMBLE DAMAGES WILL APPLY IF MY DEMAND IS NOT MET. 15 USC 1692c. ( c ) 15 USC 1692c. ( c ) ( 2 ) -
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion to clear my file. ive noticed lot of information that is hindering my file. checking all information submitted this has been an ongoing issue that needs to be resolved asap.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I failed victim to a phone scam. Minutes later I realize that I was taken for a loop, I immediately placed a whole on my bank account. I contacted PNC Bank told them what happen and they put a hold on my account-within a hour. I went to the bank in person the next day and explain the situation. Explained the scam and told them that I didn ; t want to go through with the any transaction from the following day, They told me all transactions from the next day will be stopped and disputed, We where insured that everything was caught in time and all accounts will be closed. 

4 days later, PNC process five of the transactions that we told was a scam. This totally over {$6900.00}. We told them that they were fraud transaction and asked not to process them. Why would the be process. 

The PNC bank state that the dispute is denied. 

We need help getting our money back.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

Problem is with bill pay sending checks to non digital local businesses. Checks for these are treated as corporate checks and deducted from my account before they are cashed by the payee. I checked the BMO Digital Agreement which indicates that traditional checks are not deducted until presented for payment. I asked BMO about this and I was told by several BMO employees that this was the way bill pay works and I should check with the. Payee to make sure they received the check even though the amount was deducted from my account. Examples : XXXX. Scheduled check to be sent to XXXX XXXX on XX/XX/XXXX. The amount was deducted from my account on XX/XX/XXXX. In XXXX. I realized that the check was never cashed by the recipient when I received the next bill. Eventually the debit for this check was reversed but BMO did not respond to why this was not treated as a traditional check as the digital agreement states. 
XXXX. Scheduled check to be sent to XXXX XXXX on XX/XX/XXXX. The amount was deducted from my account on XX/XX/XXXX but it was not cashed by the recipient until XX/XX/XXXX.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

Hello, TD bank services the XXXX  & XXXX store card. They sent a statement to the wrong billing address after it was supposed to be updated at the store to my new address XXXX XXXX XXXX in XXXX they called to collect, I paid more than the minimum as I was unaware payment was due because they sent the statement to the wrong address. In XXXX they failed to change the address saying there was no change request even though it was on a recorded line that my address needed to be changed. They are charging an additional {$29.00} after sending another statement to the wrong address. It is not my fault that TD failed to send me a statement when I told them they needed to change this in XXXX of 2021
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Account Services, LLC (GA)

XX/XX/2017, {$700.00}, XXXX XXXX, Which My Medicare Insurance Company Said I Do Not Owe To XXXX XXXX. I Have Asked Them Not To Call Me Again. They Have Called Me And Harassed Me 5 Times About This Claim. I Have Also Contacted A Law Firm That Specializes In Debt Collection Harassment.
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX 2016 a check was sent to Macy 's Credit Card to pay of the entire balance. The check was deposited into Macy 's Citibank account on XXXX XXXX ; however, the payment was not applied to my account and as a result I was charged a late penalty + newly accrued interest when the billing cycle reset. I 've called them multiple times and Macy 's customer service told me they have no record of my payment. They then instructed me to fax in proof. I sent them a copy of the statement I was paying off in full as well as the XXXX check image provided to me by my credit union. To date my account still does not show this payment as being applied. I was told that they do n't have a way of finding out who 's account my payment was applied to - I do n't buy that one second!
Consumer complaint received 2020-07-30
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. (KY)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Phoenix Opened XX/XX/XXXX + {$1400.00} +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Phoenix Opened XX/XX/XXXX + {$1400.00} +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.