davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
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)

On XX/XX/2019, I requested and obtained a copy of my Credit Report from Equifax in connection with my effort to respond to my identity theft that I first learned about on XX/XX/2019. When I reviewed the report, I noted several factual errors related to my credit history as follows : ( 1 ) Under the heading of " Other Accounts '' and the subheading of " Closed Accounts, '' I discovered a XXXX XXXX account that I had no knowledge of, ( 2 ) Under the heading of " Inquiries '' and the subheading of " Inquiries that may impact your credit rating, '' I discovered two unauthorized inquiries on the same date ( XX/XX/2019 ) by two cellular services providers, i.e., XXXX XXXX and XXXX XXXX XXXX, that I had no knowledge of, ( 3 ) Under the heading " Negative Accounts '' and the subheading " Closed Accounts, '' I discovered details of a XXXX XXXX account that I had no knowledge of, and ( 4 )  Under the heading " Personal Information '' and the subheading " Address Information, '' I found a former address that I had no knowledge of, i.e., XXXX XXXX XXXX, XXXX, MD XXXX.
Consumer complaint received 2019-04-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I received a letter from Bank of America stating they were declining me SHORT-SALE on my home, for no apparent reason. I complained to Hud and Bank of America. What was the reason for Bank Of America declining me a short-sale when I provided all of the documents they asked for. My real-estate attorney also provided numerous of documentations to them. After, two weeks of complaining the Bank finally approved my short-sale on the home. But, now Bank of America suppose to provide me with {$3000.00} in relocation assistance to help me find a suitable place to stay and they also denied that also! I am so shocked and disappointed how Bank of America has treated me through this difficult time in my life. I am selling my home, because I can't no longer afford the payments and I got so behind. My lost hours on my job also. I wanted to make sure this home won't go into foreclosure and get auction on the courtroom steps. Now, I have a buyer on the home and I have a place to stay but it wont be ready until XX/XX/XXXX. So, I really need the closing date to happen after that date. Here are the document supporting all of my arguments. I really need some type of Assistance. Thank you so much XXXX # XXXX
Consumer complaint received 2022-09-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (FL)

On XX/XX/2023 I received a letter from XXXX XXXX XXXX telling me that I was being sued by XXXX XXXX XXXX. This was the first time I was ever hearing of a lawsuit. I never received any written correspondence of any debt from XXXX XXXX XXXX saying I owed them anything or that I would be sued for non payment. I recently moved to XXXX Florida due to XXXX XXXX spouse changing duty stations and we did a change of address at the post office. I also have XXXX informed delivery that tells me what's coming in the mail and tracks it with photos. I was never contacted by this company. On XX/XX/2023 a XXXX sheriff shows up at my house and served me with a summons notice to appear for mediation. XXXX XXXX XXXX is a third party debt buyer and unless they can show me the original contract I had signed with the debt then I do not owe them anything They can not buy a debt and then harass me to pay said debt bu suing me without prior knowledge. I am a XXXX veteran that has a low income and do not have the funds to be going to court over something I knew nothing about. There are many complaints against XXXX XXXX XXXX for using strong arm tactics to get people to pay supposed debys that they purchase. Constant calls and harassment. I would like this suit dropped and this debt removed.They failed to notify me of the lawsuit under the Federal Fair Debt Collection Practices Act They have two addresses posted one for Florida where they sued me and their main address in XXXX New York. XXXX XXXX XXXX is the Attorney on the paperwork and his address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2024-02-09
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. (CA)

I am an advocate for victims and survivors of human trafficking I am a XXXX XXXX I am an XXXX woman My XXXX XXXX XXXX is XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the dept of justice to make such a determination under the trafficking rule XXXX XXXXXXXX is NOT a CREDIT REPAIR COMPANY. 

XXXX is IN COMPLIANCE and accepts documentation per the rule. 

EXPERIAN IS NON COMPLIANT XXXX IS NON COMPLAINT Their continued rejection of trafficking documents puts victims and survivors at risk of re-exploitation
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

My mortgage was recently transferred to Shellpoint from XXXX. My loan was paid off in full on XX/XX/19 by wire from escrow as I had sold the house. XXXX did not apply the payoff amount the day they received it. They instead held the money and then on XX/XX/19 took another payment from my checking account. Then on XX/XX/19 they transferred servicing to Shellpoint WITHOUT applying the monies they had received that were sufficient to payoff the loan as of XX/XX/19. Shellpoint then applied the funds on XX/XX/19 and my extra payment is now some how missing as they say I am only getting {$35.00} back after applying all of the funds. First of all the loan should not have been transferred. Second this transaction vioaltes RESPA by not applying the payoff on the date it was received XX/XX/19. Third XXXX illegally kept monies for a payoff they did not process. Fourth Shellpoint can not apply funds received on XX/XX/19 and XX/XX/19 on XX/XX/19.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$0.00} This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$100.00} Reporting unknown which means it's incomplete, please delete this account.
Consumer complaint received 2019-04-05
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. (GA)

I am trying to buy a house so I recently checked my credit report and I saw a couple of accounts that were fraudulent and not opened by me. This is hindering me from buying my first home. Below I have listed below the account information and amounts of each fraudulent account as well as the inquiries. 

Account # -XXXX XXXX XXXX XXXX XXXX Date Open- XX/XX/ Amount- {$44.00} Account # XXXX Date Open-XX/XX/2018 Amount- {$5000.00} Inquiry- XXXX XXXX, XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

I moved from my apartment at XXXX XXXX XXXX XXXX XXXX, and moved to XXXX in XX/XX/2018. I never received notice or mail or phone call that there was a remaining balance past the time the meter was to be cut off and I had moved. I did not receive a word until the collection company called me! They told me to pay the amount and it would not be on my report, or if it did show they would correct. The did not do this and it still shows unpaid in collections. The derogatory collections on my credit report is from a company called COLLBUREAU. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$140.00}. The same and only day they contacted me from the collection agency was on XX/XX/2018 and I spoke with XXXX. I paid the full amount and confirmed on My XXXX Credit card on XX/XX/2018 in the full amount of {$140.00}. And, XXXX gave me the confirmation number XXXX. 
XXXX shows payment on XX/XX/2018 for {$140.00}, there reference number is # XXXX The charge appeared on My XXXX credit card as 'cbhv, Inc. phone number XXXX. 

The problem is they NEVER REMOVED this into paid, nor add any notes of the circumstances and it still shows unpaid collections.
Consumer complaint received 2022-09-16
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (SC)

Hello, I originally submitted a CFPB complaint on XX/XX/2019 against XXXX XXXX XXXX., a  company that I am not familiar with after checking all three of my credit reports. I check my Equifax credit report on a recurring basis and it appears that in XX/XX/XXXX/XX/XX/2019, XXXX XXXX XXXX. added an erroneous, negative collection account against me. This company responded to my CFPB complaint by sending a letter postmarked XX/XX/2019 stating " Our offices are in receipt of your request for verification. Enclosed is a copy of the billing statement provided by our client to confirm the charges. '' The enclosed bill that XXXX XXXX XXXX. sent to me is an Itemized Statement of Charges for XXXX XXXX. XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. This is a blatant HIPAA violation! 

Furthermore I spoke with an Equifax representative today ( XX/XX/2019 ) and he stated that Equifax actually updated this erroneous negative collection account as VERIFIED AND ACCURATE on XX/XX/2019, several days after XXXX XXXX XXXX. sent someone else 's bill. It appears that this is the information that Equifax based its ' verification on, given the fact that Equifax updated the report days after this letter was received. 

Equifax is not actually investigating the validity of accounts that are being added to a consumer 's report. How is it possible for this company to send inaccurate documents to Equifax that do not contain my personal information, and Equifax returned it as Verified? 

I would like for Equifax to hold this company XXXX XXXX XXXX. accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because Equifax didnt actually properly verify that this debt truly belongs to me.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Signature Bank (NY) (CA)

I was doing online dating metting a woman and she introduced me to a investment company called XXXX she told me to sign in and I did and doing the XXXX trading, by the time i need to take out the money I wont able to get my money back the just disappears
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Ive just reviewed my credit report and noticed the following inaccurate items. I understand that before any account or information can be furnished to the credit bureaus ; all information and accounts must be 100 % accurate, verifiable, and properly validated. I am not disputing the existence of this debt, but I am denying that I am the responsible debtor. I am also aware that mistakes happen, I believe these accounts can belong to someone else with a similar name or with my information used without my consent either from the furnisher itself or an individual. 
I am demanding physical documentation with my signature or any lagally binding instruments that can prove my connection to these erroneous entries. Failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. 

ARS ACCOUNT RESOLUTION
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc (OH)

I own a small business. I have an Electric Bill. This electric bill is collected by Ohio XXXX, but part of that bill is paid to XXXX as an energy provider. Ohio XXXX handles that part of it, I only pay Ohio XXXX. So I receive a phone call from Hunter-Warfield regarding an attempt to collect a debt. The message I receive is to call them back?? In order to stop these harassing phone calls during my business hours, I attempt to call Hunter-Warfield about this debt? They tell me that I have an outstanding balance from XX/XX/2015? 4 years ago?? And the debt is being collected for XXXX XXXX. Not once have I ever written a check or paid a utility serviced called XXXX! I have always paid Ohio XXXX, and I would assume Ohio XXXX then pays XXXX. Anyway .... not my problem, however it is my problem now because I have to stop what I'm doing in the middle of a business transaction, in the middle of talking to a customer, in the middle of any day to day operation to answer their harassing phone calls every day!! I should not have to put up with this!!! I asked them to send me proof of once, just one time, that my business paid XXXX XXXX. They couldn't. They cant provide a cancelled check or a past due bill. I believe it is a scam and I want their harassing phone calls to stop!!!! BTW ... Not one time has XXXX contacted me by phone or mail about this so called missed payment back in XX/XX/2015. Hmmm??
Consumer complaint received 2022-09-16
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)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 2020-02-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Garcadia Financial LLC (IN)

I've received several email Alerts as early as XXXX. and as late as XXXX from Foursight Capitol in reference to payments and I've been advised and shown evidence that this is a violation of the FDCPA rules with fines starting at {$1000.00} per fine and so far I have evidence of at least 7 violations and counting!
Consumer complaint received 2018-09-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

Also involves the phone number XXXX. 
I have already made payment arrangements with the collector and their website shows the payment arrangement. Even after making an arrangement they still continue to call me. They continue to call me multiple times per day and 1/2 of the time their automated system just hangs up when you answer. The rest of the times the automated dialer tells you to hold for an important message and then you sit on the phone waiting for a representative who tells you that you need to make a payment even if you've already made an arrangement. they still continue to call me anywhere from 4- 8 times a day.

phone calls begin at exactly XXXX XXXX and continue throughout the day even if you've already spoken to somebody.

Also, I just made a payment two days ago and I am not even past due anymore but they still keep calling me
Consumer complaint received 2018-09-02
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 did a police identification theft report I also reported identity theft with the Federal Trade Commissioners office regarding this account. Ive sent copies of each to the credit bureaus and all of them but Equifax have removed this fraudulent account from credit report. This account IS FRAUDULENT and has not been removed
Consumer complaint received 2020-07-30
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: CITIBANK, N.A. (IN)

On XXXX XXXX I initiated a dispute with my credit card company for a purchase of {$660.00}. They credited the charge pending outcome of the investigation. The dispute was resolved in the merchants favor and the credit was reversed on XX/XX/2020. I paid the balance in full. The credit card company then reversed the exact same credit again on XX/XX/2020 creating a new balance in the amount of {$660.00}. Since XX/XX/2020 I have reached out to the credit card company multiple times to resolve this to no avail. My previously XXXX balance is now {$660.00}. On XX/XX/2020 I was told to allow a few days for the account to be corrected. On XX/XX/2020 I was told the same thing. Then again today, XX/XX/2020, I was told the issue had been escalated with no promised date of resolution.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I am the victim of a scam. The scammers contacted me on night of XX/XX/20 via text, under the pretense of a " XXXX XXXX jobs. On the morning of XX/XX/20, I was awaken by a call, telling me I had a package delivered. They'd sent a check via XXXX  for {$3100.00}, funds that were supposed to be used for equipment in the setting up of this " office ''. They seem very knowledgeable of the Banks that release ALL THE FUNDS, even though its not cleared, because they specifically asked about my bank to see if its a bank that they 'worked with '. Immediately after depositing the check around midday, whatever funds that were made available, they started disbursing to various people. These transactions were done through Citibank, and XXXX. The people receiving the funds were referred to as 'merchants, ' and I was told that to cooperate with sending money to them, because it was for the purchasing and distribution of the 'office equipment ', which was to include furniture, the computer etc. This is noted, in all my transactions as the reason for me sending the funds. Within 24 hours of me depositing the check, literally by the next day, Citibank RELEASED ALL the funds, and which time there was considerable haste to disburse whatever funds was left. In hind sight of course, it all makes sense. Nevertheless, it didn't matter to me, I just wanted to be done with all this banking transactions, because I wasn't comfortable with it, and I had far too many questions that were not answered to my likeness. I was actually in agreement with the haste they were making, because I felt confident that the funds were good and it was theirs, because Citibank had released all of it in such a short time. They continued asked for me to contribute a further {$500.00}, and at that time I was done, I told them 'no ' and not to contact anymore because I no longer had money for them. Around XXXX on the morning of XX/XX/20, the check bounced, putting my account in overdraft. I immediately called Citibank, in tears and reported that the check was fraudulent and all transactions associated with it. I explained everything that had happened in even more detail that this letter, I have also recently reported it to the police department in my area and I am currently working with a detective. This is obviously very hard for me, because like millions of other people, I am unemployed. Citibank has credited my only {$1100.00} so far, from what they recovered, but sent me a letter stating that they have 'completed their research ', on the {$2000.00} that remains outstanding. It basically states they are unable to assist further, with unless the banking institutions of the recipients, recover the money. Citibank has blame in this as well, I trusted my bank, I would've never done what I did, had those funds not been released. And whilst I know that they do make some funds available in the interim, as a courtesy to customers, I have never been privy to funds being released so quickly.