davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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)

Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit file immediately.
Consumer complaint received 2019-10-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: VEROS CREDIT, LLC. (CA)

Previously I had been dealing with XXXX and XXXX ( I believe that was the name of the other woman ), and both were very nice and cordial. This past week, I have been receiving phone call after phone call from a man whose name is XXXX. He has been very rude and hostile on the phone, and calling 7-8 times a day, plus calling my work, even after I had told him he can not contact me on the work line ( Tuesday, XXXX ). It is not to be used for personal phone calls, and yesterday afternoon ( Friday, XXXX ), he called my work yet again, and was disrespectful, and threatening the individual who answered the phone. He was hostile and using profanity, and threatening him and would not identify the name of the company he was calling from. This is by far unacceptable, and every phone call received and outbound is recorded. I would be happy to provide the recorded conversation if necessary. I am now possibly going to have to face consequences for him continuing to call the work lines, and his hostile behavior towards another employee. I have never had any issue with anyone other than XXXX, and nobody else has behaved in this way until now. It could possibly jeopardize my employment with my fairly new job. How does he expect me to catch up on my payments if I were to lose my job due to his behavior, and continuing to call the work lines. This is unacceptable and I am not comfortable discussing anything further with him.
Consumer complaint received 2019-10-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AZ)

Closed on a refinance final docs signed XX/XX/19 Monday, I was told funding would occur that Friday XX/XX/19 via fedwire from XXXX. Called Freedom Mortgage to inquire why funding to my personal account has not happen in which they explained in did and it was funded. XXXX bank has no record on fedwire either and that they Freedom Mortgage would reach out sometime next week to XXXX to find out what happen ( delay tactics ). This just seems fraudulent behavior in the extreme by a mortgage company
Consumer complaint received 2019-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I have been repeatedly treated in a reckless manner by representatives at Fedloan. They have offered unsolicited advice to put my loans into states of forbearance and deferment without explaining to me the consequences of such actions. 

This reckless advisement has resulted in over {$13000.00} in additional capitalized interest on top of my original balance. 

I am seeking a resolution on this action.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

On XXXX I was charged a fee of {$21.00} by Experian for their HIGHEST LEVEL of consumer services. This apparently was initiated because I fell for a scheme to pay {$1.00} for a " One-Time '' credit report. The MOST TROUBLING ISSUE began on XXXX when I attempted to call the company to have the charge reversed. Initially, I was met with a requirement to " speak or enter [ my ] nine digit social security number ''. During that exchange, I attempted everything I could think of to avoid providing my ENTIRE SOCIAL SECURITY NUMBER simply so I could speak with a human. Ultimately the system disconnected the call. I then searched for, and found, 7 additional phone numbers in an attempt to speak to a person regarding the billing issue. To my shock ( disgust ), I discovered that there is no method of contacting Experian unless I am willing to provide my entire S.S. number! ( Yes, I called all seven numbers ) The number shown on my VISA billing statement is XXXX. And, the four most prevalent phone numbers found on the internet are : XXXX, XXXX, XXXX, XXXX. 

Out of frustration, I called VISA and proceeded to speak to many different departments. After 75 minutes it was determined that unless / until I contact the merchant ( Experian ) " we can not take action on your behalf ''. At that point I had invested 3 hours and 35 minutes, so I placed another call and did exactly what Experian designed into their telephone " greeting '' ... I provided my entire Social Security Number! Followed by : My home address, date of birth and previous home address.

Eventually, the person to whom I spoke was able to provide a " one-time courtesy refund '' for the one month charge of {$21.00}. But NOT BEFORE she did her best to get me to agree to any one of the SEVERAL DIFFERENT MEMBERSHIPS she offered. Only after thoroughly explaining that I will never be a customer of theirs, did she finally understand she was wasting her time. 

This practice of requiring a person 's S.S. number simply for the ability to speak to their customer service personnel, is an absolute breach of trust and a profound example of strong-arming their potential customers to provide the most intimate details of personal identity. The ultimate irony is that this is a " Credit Protection '' company ... but worse yet - I learned that the service for which I was billed was being provided by a company unrelated to Experian. It was a company that paid a licencing fee to use the Experian Brand!! If that doesn't make you scratch your head, I don't know what will.
Consumer complaint received 2023-04-10
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 am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Based on Section 609 and 601 of the fcra and USC 1611 this  company is required to provide proper debt validation in order to collect a debt in which I have no knowledge of therefore this debt is inaccurate and should be removed from my credit report as soon as possible it is deemed has a fraudulent account
Consumer complaint received 2018-06-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EMG ACQUISITION GROUP, LLC (LA)

Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

Based on Section 609 and 601 of the fcra and also USC 1611 this company he supposed to have proper debt validation in which when requested they could not provide therefore this account should be removed I've done no business with this entity please remove
Consumer complaint received 2019-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My loan from XXXX XXXX  XXXX was sold to SLS Mortgage back on XX/XX/2019 and my payment was schedule to start with SLS in XX/XX/2019. As I normally do as a responsible individual I continue making my mortagage payment now to the new company SLS and after 3 month that I have been dealing with them, they claim that I never did my XXXX payment in which XXXX  XXXX XXXX and myself have send several proof that I did my payment in XX/XX/XXXX but to XXXX XXXXXXXX XXXX not SLS because at that time XXXX  XXXX XXXX was servicing my loan. In addition to provide the information, I have been in contact with them several times during this past 3 month because I want to get this fix and all SLS have been harassing calling me every day, sending me letters that they are going to foreclose my house, and telling me that they are going to mess my credit. At this point Im not sure what else I can do because even when I have try dealing with someone directly at SLS to get this resolved, they keep passing me from person to person without any solution but they keep adding fees after fees because they want to collect again on something that I already paid. Besides all this I have proof from both institutions that my payment schedule for XX/XX/2019 has to be made to SLS and moving forward with them and I have done so. Please I need to get this resolved because this company is trying to take advantage of me when I have done my part. Also, I know that Im not the only customer that is going through this with them and they dont care to assist in any way.
Consumer complaint received 2019-08-28
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: Experian Information Solutions Inc. (NC)

XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Experian continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.
Consumer complaint received 2019-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

my loan was transferred on XX/XX/2019 from XXXX  XXXX XXXX to specialized loan servicing llc ( SLS ). SLS has not sent a statement since the transfer. i have called several times asking for a mailed copy of the statement and they have not sent it. i have called several times and complained. the third time i called they emailed me a statement which was incorrect.since then i have called several times asking for them to email me a statement and they say they will send it to me and they do not send it. 

i mailed in a payment but since i do not receive a statement i do not know if they processed the payment to my account. i need help because i believe that this might be a scam. i looked at online reviews and others are having the same issues. 
this is the review site : XXXX XXXX XXXX all i want to do is receive a statement, pay my loan and be assured that it is credited to my account and not ruin my credit. thank you
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am retired, and living in XXXX. I have banked with Bank of America XXXX and their predecessors through mergers and acquisitions ) for over 50 years. Tuesday night, XX/XX/XXXX, I had a low balance in my checking account, but I knew I would not use the account until Friday, when my wifes paycheck arrives. Wednesday morning the account amount was higher because 2 fees charged put the account in the red and overdraft protection kicked in with a {$12.00} fee. Usually, when an overnight charge, such as an insurance premium occurs, I see the deficit in the morning and transfers funds. This time I had no chance to transfer funds and the bank had an opportunity to charge another fee. I did get the {$12.00} fee refunded, on the second call. 
Last XX/XX/XXXX the Bank of America started to charge fees for about every transaction made. Service fees charged taken from their statements : XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$53.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$230.00}. When complaining about the fees, Customer Service says my balance is not high enough, but my income has not changed on several years. ( Until about three or four years ago, I had a Merrill-Lynch IRA, about {$50000.00}, until they discontinued foreign clients, and I had to move the account to another financial service. ) The total charges to date are {$2600.00}. Now when I withdraw monies ( XXXX Q = about {$260.00} ) from the XXXX ATMs, here in XXXX, there are two service charges from B of A : {$5.00} and {$7.00}, for using another banks ATM and a foreign transaction fee. The fees charged are excessive, and many. Fees for use of an ATM, and fees, as a percentage of purchase with debit card. I was charged {$8.00} for a {$280.00} grocery purchase and {$5.00} for a {$160.00} purchase of prescription eyeglasses. Before XX/XX/XXXX there were no charges. In ten months the charges amounted to {$2600.00}. This is an outrageous example of putting profits before taking care of clients.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (SC)

To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX, # XXXX

was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationCHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CHOICE RECOVERY INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CHOICE RECOVERY INC has not even tried to contact me
regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (OH)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America doesn't protect its customers against fraud XX/XX/19 filed a claim of fraud atm transactions. The rep who took my claim was very rude and nasty towards me for no reason, I kept a positive attitude and ignored his nasty behavior whoever the rep was in XXXX, AZ that I spoke to needs a customer relation class on how to speak and treat customers because I doubt he had that same tone with me in public. 

Once he filed the claim he missed two additional charges, when I point out the error to him he say in a nasty tone. " I asked you if that was all the charges you wanted to file, now I have to open another claim '' .... Mind you I told him about all the charges I wanted to file he just wasnt listening when I was speaking to him, and the phone call recording can prove this for a fact. 

After the claim was filed I asked him for a provisional credit in my account, he said " no because how did someone get my pin card ect '' I told him my wallet was stolen which had my credit cards, ss card, and insurance card, and if I knew who took my things I wouldn't be calling filing a claim obviously and after all its my money I don't need to explain why I want money back into my account tf?. ( I been a customer with boa for about 3 or 4 years and never filed claim ever ). i ask to speak to a manger then goes to say hes an account manger, and its nothing else we can do but wait fast forward few days later i log into my account and i see XXXX, i may have called at least 10 times to see why i had this hold on my account and i got a different answer everytime. yesterday i spoke to 5 different claims agent who all gave me five different answers. 1 agent said the manger put " claim abuser '' in my notes another agent told me its an " ACH '' hold and she doesnt know why its on my account because she said she can see i havent cashed any checks, another agent told me manger named XXXX put the XXXX hold on my account was the only person that can remove it. Im glad my direct deposit was coming to that account because the neg balance would of ate it up. Boa filed to proctect me as customer and basically accused me and pointed me out as a victim. This isnt right and its no way to treat a customer. Now i recived an email saying my account closed due to inactivy now lets be logical. my account is XXXX how can i do anything with my account like that. This isnt right and contradicts Bank of America " zero liability protection '' which is a lie and false advertisment
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (TX)

I am formally requesting with this CFPB complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting in error : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/2021