davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC (FL)

In XXXX, my Broker applied a mortgage with SPROUT MORTGAGE. 
After two months of 0 update on my application, three weeks ago, my broker received an email from XXXX ( LOAN officer ) saying that we have been approved, the same day my title company receive an email from XXXX telling him that it was a LOAN CLOSER from SPROUT MORTGAGE In the Email from XXXX XXXX asked to make an appointment for the closing on XX/XX/XXXX, so we did! But it was the last email received from SPROUT MORTGAGE, the Title Company never received anything else From SPROUT MORTGAGE. everybody just vanished!!! 
My Broker, my realtor XXXX XXXX and I have sent many emails, and we try to Contact SPROUT MORTGAGE Without any response.
Consumer complaint received 2020-11-09
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. (TX)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Riverwalk Financial Corporation (WV)

I was never notified of this {$1700.00} debt and they had my most recent address on the credit reporting agencies as well as active mail forwarding when I relocated out of state. This debt was reported after I had moved out of state so my most recent address should have received any notification from the debt collectors that they had received a debt from the company. The debt went straight to my credit report, severely damaging my credit. I have tried to resolve this directing through the credit bureaus but with no success.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 accounts 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/block any accounts 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. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

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 2023-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

I have attempted to have them verify this debt due to me not having any knowledge of these bills prior to collection. They have not satisfied the validation of the debt to show it is in fact mine or are in violation of hipaa because I did not give my permission to sell my debt to a third party if it isn't fact my debt.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOK FINANCIAL CORP (NC)

From XXXX until XX/XX/XXXX I was in forbearance for my mortgage due to COVID. In XXXX I contacted Bank of Oklahoma to exit my mortgage and begin making my normal monthly payments as well as to work out a repayment plan. We came to an agreement and around XX/XX/XXXX I received the letter outlining my repayment plan amounts/terms. A couple days after I scheduled my payment to be made and it was received and credited to my account on XXXX. On XXXX, I received multiple notifications from all three credit bureaus that my mortgage was being reported delinquent and being sent to collections. Around XXXX on XXXX I called and after talking with the representative she sent an email to the credit reporting department. She said she would contact me when she heard back from them. Considering this mistake dropped my credit scores with all three credit bureaus by 67 points and it was a significant drop and could affect my finances i.e. credit cards and I'm in the process of buying a house I need this fixed ASAP. Due to the urgent nature of this, I contacted Bank of Oklahoma again towards the end of the day on XXXX to get a status update. I was told we need to give them 24 hours, which is one work day and almost at that already anyways. When I asked for a supervisor I was denied. I re-confirmed and was told I could NOT speak to a supervisor. I need this false delinquency to be corrected on my credit report on XX/XX/XXXX so it has no affect on my finances, rates, and home purchase. I'm not delinquent. I've followed all the agreements and terms that have been jointly agreed on and have not been told any of these would lead to a delinquency being reported on my credit reports. I have 20 years of credit history with not a single delinquency on them until now and this isn't even correct. It needs to be fixed ASAP XX/XX/XXXX to reduce financial affects.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I received a letter at my home address in XX/XX/XXXX from a collection agency XXXX XXXX XXXX that had my last name and a different first name. The letter referenced a Best Buy debt that was not mine. I contacted Best Buy to ask about the debt. They said that the debt was not mine but they would not provide any details about the person whose name was on their account. They told me to call Citibank who handled their credit accounts. 
I contacted Citibank. They had no record of the debt and they had no record of an account in my name. 
Since XX/XX/XXXX I have been receiving collection letters on this debt. Neither Best Buy, Citibank or XXXX XXXX XXXX will provide any information about the debt even though they all say that the debt is not mine. I have sent letters, faxes and had multiple phone conversations, none of which has resolved the problem. 
The problems : 1. I am receiving collection letters to my address with a name that has my last name and a different first name. 
2. This is not my debt. 
3. No one from Best Buy or Citibank will provide information nor will they turn it over to their fraud department for investigation because they say that the debt was sold to XXXX XXXX XXXX. 
4. XXXX XXXX XXXX says that they either can't provide information about the debt because a ) it's not me on the account or b ) because they bought the debt and have no details about what it is that was on the Best Buy purchase. They can't even give me the date of the purchase.
Consumer complaint received 2020-11-09
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: EQUIFAX, INC. (MS)

I have submitted a dispute with equifax on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both equifax and XXXX and associates have clearly violated the fair credit reporting act. Equifax by not performing a real investigation into this account and XXXX and associates by reporting false and inaccurate information.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14
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. (TX)

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. 

XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX # 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 an 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 personal 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 2020-11-06
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: EQUIFAX, INC. (CA)

I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise
Consumer complaint received 2020-11-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$9100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$9100.00} -This is not my account.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

XX/XX/XXXX - Auto accident and vehicle impounded XXXX - Impound lot notified Santander of an abandon vehicle XX/XX/XXXX - lien established and a savaged title was ordered by either the county or Santander. 
XX/XX/XXXX - Approximately XX/XX/XXXX vehicle was sold Santander failed to retrieve a {$22000.00} vehicle with a {$3000.00} damage from the impound lot while the price to pick up the vehicle was less than {$600.00}. 

XX/XX/XXXX - The auto insurance was notified and the insurance company decided to take responsibility, but wanted to inspect the vehicle whether they needed to cover collision or just repair. Upon inspecting the vehicle, {$3000.00} damage was uncovered, which they agreed to pay, but because the vehicle was no longer in my possession, the Insurance company wants to pay {$2000.00} less the deductible. All in all, they want me to be on the loosing end. 
Damages to me : approximately {$3000.00} which covered down payment and insurance coverage, {$21000.00} plus on my credit report while I'm left without transportation.
Consumer complaint received 2020-11-06
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)

I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX  to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( XXXX  XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  - XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ) these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise
Consumer complaint received 2022-01-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (FL)

I called Check n Go on XX/XX/2021 at XXXX and did not talk to a representative until after XXXX, I informed them they had taken the money from my Acct. 3 days early causing an overdraft. They requested proof and I sent a screenshot of my bank acct web page showing their charge to my acct with the words OVERDRAFT and the charge of {$35.00} on my account. They responded a week later by sending me a collections letter. The bank returned the charge to them. They want full payment, I want restitution. They caused the problem and broke the contract I had gone into with them in good faith and they broke that good faith by trying to take the money 3 days early. They should pay a penalty to ME for causing me economic distress, lost time, unnecessary stress and now causing harm to my credit due to THEIR negligence. We have no agreement since they violated the contract. I feel I have no duty to reward them with repayment in full.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am on maternity leave and I am getting paid through a Bank of American EDD prepaid card every 14 days. On XX/XX/2023 someone stole {$990.00} out of this prepaid account. I was left with {$290.00}. They took the money from an atm in California at XXXX on XX/XX/2023. I tried to get assistance inside the Bank of America branch and no one could help me. The teller and personal banker said they have nothing to do with these government prepaid cards. I have spoken to the Bank of America EDD fraud department over the phone and have a claim started. I want to make sure I get my money back. I am not working right now and I have a newborn baby to take care of. I also want to make sure this terrible situation doesnt happen to any one else. I was told by XXXX the woman that helped me over the phone from the fraud department to not use the ATM located outside of the bank and always go inside and withdraw money with an actual teller. I never knew it could be dangerous to use a bank ATM. This situation has never happened to me. I never used this EDD card anywhere else other than making withdrawals at the ATM when I get paid. I have also reported this theft to the police and made a police report. I would like to get my money back as soon as possible.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX