davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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. (FL)

Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX SS#XXXX DOB: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (IL)

I was contacted by XXXX on XXXX telling me there has been unusual activity on my account. I told them I have XXXX account but I never use it. I was told someone had sent 2 laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm permanently XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from XXXX saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from XXXX for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.
Consumer complaint received 2024-02-07
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. (VA)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with XXXX XXXX XXXX XXXX. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified XXXX mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that XXXX and XXXX XXXX had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that XXXX and XXXX XXXX served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Last week ( XX/XX/2018 ) I began the process of Refinancing my mortgage to decrease my monthly payment. The Mortgage Loan Officer " XXXX XXXX '' sent me an initial loan estimate where the loan amount is {$170000.00}, I only owe {$160000.00} on my Condo. I asked the loan officer, why do they do this, " up the loan amount '', she couldn't give me an answer. I requested that she tell me where the " {$1300.00} '' difference go? Or could she provided me with those line items in the loan estimate that would total " {$1300.00} '', no response. 
I asked her for the Truth in Lending Disclosure Document and she said they don't provide this document anymore and I requested a notice explaining my rights, no response.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

To Whom It May Concern : My family and I travelled to XXXX and made several credit card charges which now appear on our current credit card statement. Prior to our trip, we were advised that Amex does not charge foreign transaction fees. Upon review of our foreign charges, I noticed multiple inconsistencies throughout the statement regarding the way XXXX to USD conversions were processed. My concerns are the lack of consistency when applying the foreign exchange rates. 

On several of the charges, the exchange rates used are higher than published rates I found through various online resources. 

Example 1 : Hotel charge on XX/XX/2018 for XXXX EUR was converted to {$2100.00} using an exchange rate of XXXX. However, published rate online for XX/XX/2018 was XXXX. 

Example 2 : In addition, I made several transactions on XX/XX/2018 and a different conversion rate was applied to 3 of the 4 transactions. The exchange rate published online for XX/XX/2018 was XXXX. However, Amex used conversion rates of : XXXX XXXX XXXX I contacted Amex and was advised that the conversions are made by an Amex subsidiary. I asked if I could file a complaint and have the charges/corresponding exchange rates reviewed. I was advised that there is no process to formally file a complaint or request a review. They could only document and internal note on my account that I called to question the charges and a description of the information I was provided. But again, its not a review just an internal note and no additional action would be taken. I spoke with both a customer service representative as well as a supervisor who essentially said there is no way to dispute the charges as they are what they are.
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (TX)

Dyck-O'Neal, Inc. - XXXX This number has called since XX/XX/XXXX sometimes calling multiple times a day. The number left to call is XXXX, which is not the number listed on their website. The message left is always - We have important message from Dyck-O'Neal , Inc . This is a call from a debt collector. Please call XXXX.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (MD)

I applied for an XXXX credit card and forgot that I had a " fraud '' alert on my account with the 3 main bureau 's ( XXXX, XXXX, XXXX ) and assumed that XXXX would reach out to me about applying for credit. 
Instead, I received a notice in the mail from XXXX XXXX stating that they used a credit reporting agency I NEVER heard of called XXXX XXXX XXXX and the reasons for denying my credit were not even close to what my credit history is and the score the gave me was ridiculously low. 

In order to receive a copy of my report I went onto the website where it was stated that you could only receive it by calling in or writing/faxing a request. 

I AM NOT going to give my ss # or any other private information to a so-called " reporting '' agency that I've never heard of and all the info they seem to have for me is incorrect. I've recently had fraud on my credit report, hence the " fraud '' alert I put on there myself. 

Then, the company goes so far as to have an " opt-in or opt-out '' for either 5 years or permanent, to have my information given to 3rd parties, but again, to opt-out I have to supply my social security number, so who knows who these people are giving my personal information to WITHOUT my consent ( like I said, I didn't even know this company existed ). 

If this is who XXXX has handle their credit, I'm glad I was denied, because I would not want them to have access to my information knowing this is what they do with it. 

I want all my personal information erased from this company, opted out of everything forever and this credit inquiry removed from my credit report.
Consumer complaint received 2018-09-11
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. (GA)

Equifax!!! 


Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
Consumer complaint received 2018-09-11
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: Experian Information Solutions Inc. (NC)

EXPERIAN HAS FAILED TO RESPOND TO MY DISPUTE WITHIN THE ( 30 ) DAY TIMEFRAME THAT IS REQUIERD BY LAW ACCORDING TO FCRA!!!!!!!! I've sent in my dispute letter certified with supporting documents on XX/XX/2018. They received it XX/XX/2018. NO RESPONSE!! I've sent a certified follow up letter about my investigation XX/XX/2018. They only sent me a letter XX/XX/2018 saying they need for me to send in more identification! ( I am not sending them anymore of my personal identification! ) On XX/XX/2018 I called Experian about the situation. They told me that they never received any dispute letters with my supporting documents!!!!!!
Consumer complaint received 2016-01-12
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (CA)

My father 's house had a reverse mortgage, serviced at the time of his death by Reverse Mortgage Solutions , Inc. RMS contacted me by telephone eight ( 8 ) days after my father 's death to request a copy of his death certificate. Once the XXXX had prepared the Death Certificate, I scanned it and sent it to RMS via e-mail. In the body of that e-mail I indicated my intention to pay off the mortgage through the proceeds of the sale of the house. I sent RMS a copy of the listing agreement with a local real estate firm for the sale of my father 's house five ( 5 ) months after his death. RMS acknowledged receipt of the listing agreement via e-mail. Less than six ( 6 ) months after my father 's death, RMS filed a Notice of Default with XXXX XXXX, starting the foreclosure process. I now face the possibility of RMS taking possession of my father 's house in two months, without having the opportunity to satisfy the mortgage through the sale of the property.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US BKPT CT MI XXXX XXXX REF # XXXX, US BKPT CT MI XXXX XXXX REF # XXXX, US BKPT CT MI XXXX XXXX REF # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-08
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN)

On XX/XX/2018 I made 5 bill payments for {$2000.00} each to XXXX XXXX at XXXX using XXXX 's XXXX XXXX XXXX service. These particular bills were processed by XXXX. 
My bill payments did not arrive at XXXX XXXX on XX/XX/XXXX as expected. I called XXXX and they told me they chose not to process the payment and that I needed to go back to the store where I made the bill payments to be refunded my transactions. 
On XX/XX/XXXX, I went to a XXXX location to receive my refunds. After 90 minutes of multiple phone calls and long hold times from the store location to XXXX, 1 of my 5 transactions was given a new number so I could  theoretically be refunded my payment. Unfortunately, XXXX put my name as XXXX XXXX XXXX on the transaction. My original payment, was processed with the name XXXX XXXX XXXX - which matches my identification and my original receipt from the bill pay location. The location I was at was unable to process my return payment because my ID did not exactly match the name on the XXXX transaction. I was then told I needed to send an email with my receipt images and my ID to XXXX in order for XXXX to correct the name on the receipt within 2-4 business days. I did so on XX/XX/2018. 
I have had several back and forth emails and one phone call with XXXX to try and get this resolved since then and am now being told it will still take longer to get this resolved. 
As an aside - on the 1 transaction XXXX tried to refund, they refunded only my payment ( {$1900.00} ) and not the XXXX processing fee of {$4.00}. When issuing the refunds, XXXX should refund the entire amount of {$2000.00} since they did not process the transaction and therefore should not collect the processing fee. 

Transaction numbers are : XXXX / XXXX XXXX / XXXX / XXXX
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

name : XXXX XXXX XXXX XXXX of XXXX ( XXXX before XXXX change ) XXXX XXXX XXXX XXXX ny XXXX had mortgage with XXXX XXXX bank ( XXXX ) in XX/XX/XXXX for the XXXX of {$140000.00} refinanced house in XXXX there was never a release filed by XXXX XXXX they have refused to answer and/or offer help can not sell house with this still on the rolls need help XXXX ( HSBC ) is no longer in the united states have been trying for over a year to get this cleared up
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stanislaus Credit Control Service, Inc. (GA)

This company for which I paid off XX/XX/XXXX is reporting as of XX/XX/XXXX that I owe the amount of XXXX. They should not still be reporting this since this account was paid and the amount should be XXXX. 

STANISCCONTR COLLECTION/CHARGEOFF Other {$730.00} Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC (IN)

XX/XX/2018 @ about XXXX call requesting a VAlidation of debt and collector refused to send it out because she stated she is unable to send it because it was already sent. Also wanted itemized statement refused to send it out. And them to answer my question they stated that I want get anywhere talking to them like that. She was very rude and unprofessional.
Consumer complaint received 2018-09-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (SC)

To Whom It May Concern ; The following credit Bureaus were negligent to remove a derogatory account '' Experian, XXXX and XXXX ; which is XXXX account # XXXX in which I have disputed on several occasions ; these bureaus were unable to provide me with original documentation with my signatures.
Consumer complaint received 2022-03-08
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. (IL)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Great American Finance Co (WV)

I had an account with Great American Finance. I paid this account off in full in XX/XX/XXXX. I was never late nor did I ever miss a payment. After I paid this off I continued to get bills saying I still owed a balance. Each month I called Great American Finance and I was told " don't worry about the bill, we see you paid this off {$0.00} balance we will send it to be updated '' then I started to get negative reporting on my credit report - 30 days late. I called them again and they said they would update the credit reports and credit bureaus - I waited XXXX and now XXXX - each month they keep reporting as 30 days late - this has dropped my credit by over 30 points each month. I spoke to a manager at Great American Finance on XX/XX/XXXX and it was suppose to be corrected and they were suppose to send me paid in full letter and get my credit updated. On XX/XX/XXXX when I called back the company hung up on me 2 times and refused to allow me to speak with a manger. I have made multiple attempts to resolve this with the company and they will not stop reporting this as negative when the account was paid off early in full no late payments. I have also opened disputes with all three of the credit bureaus - however Great American Finance keeps putting this back on there each month. I am at a loss at this point and need assistance in correcting this companies incorrect reporting on my credit. I am wanting Great American Finance to stop reporting false information to the credit bureaus and correct what they have already reported falsely. I am wanting all three of my credit reports XXXX, XXXX, XXXX, updated to reflect that I have never been late nor have I ever missed any payments. I want it to reflect good standings that is correct and also I want my points back on my credit score that were taken due to this false reporting. I also want it updated that the account is paid in full with no balance owed. Thank you for all your help as I have struggled with getting a resolution in dealing with this company.