davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (MI)

Sent the following letter to Ascension Point Recovery Services This letter is in response to the phone calls and letters I have been receiving from you. 
According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. 
Further, this XXXX account is no longer my responsibility. The XXXX of XXXX XXXX was settled many months ago therefore no funds remain to pay this debt. If you had contacted me timely I would have responded in a different manner. 
Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. 

Regards,
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

I have been receiving notices from two debt collectors, XXXX ( XX/XX/XXXX ) and then XXXX XXXX  ( XX/XX/XXXX ), about an amount of {$340.00} which I supposedly owe to Synchrony for purchases made in XXXX at Belk, on Belk Reward MasterCard XXXX. I do not own that card and I have a different account number with Belk. I even received a notice from something called Synchrony Bank saying that this account was sold to XXXX XXXX on XX/XX/XXXX. 
I keep records of all my payments and I know that I have paid off my debts in a timely fashion. I owe nothing, this is the XXXX Statement record ; Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX This must be a scam.
Consumer complaint received 2022-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

A couple of months ago I reviewed my credit report and noticed an unknown negative account from Bank of America. I have disputed this account in the past but now I am being sued over it. In my previous dispute I requested that I be sent more information on the alleged account such as the application and contract but the only thing I received was what looked like a monthly statement with my name on it. I have been a victim of Identity Theft/Fraud/Impersonation in the past and have on file a police report, an identity theft report with the FTC, IRS and the Social Security Administration. Again I am asking Bank of America to send me the application that was made in my name and the contract with signature on it. Bank of America also needs to remove this account from my credit report and stop any/all collection activity immediately!
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (MA)

I opened an account with Citi in XXXXXXXX XXXX XXXX  with a targeted promotional offer of XXXX XXXX XXXX miles if I completed a few steps over the initial 90 days of the account being opened. I completed the steps within the first 30 days, which included using my debit card on at $ XXXX worth of purchases and having two direct deposits of my paycheck, which had to total $ XXXX. The promotional offered stated you would get the miles 30 days after completing the tasks. I called in XXXX to inquire about why I had not received the miles, particularly because I returned my direct deposit to my primary checking account and I was being charged $ XXXX as a service fee to keep this Citi account open. They told me it was 30 days after the 90 days that I would get the account. I explained that it was, in fact, past that deadline. When the individual on the phone did the math he said, oh..I 'll have to put in the paperwork for them to open an investigation. I never heard back, so I tried a few months later to use the chat feature in the app. The supervisor on chat told me he was not authorized to talk to me about it, and he would fill out paperwork for an investigation. I never heard back. When I tried to call again they asked me for a " secret word '' that I had established when I registered, my mother 's maiden name for example, and I told them my mothers maiden name and they said that wasn't the word and hung up on me. I have now paid close to {$100.00} in fees keeping this account open, and I am frustrated that I was targeted for this promotion and the bank is refusing to honor their side of the promotional offer AND making it impossible for me to even close my account if I wanted to. It is extremely predatory and fraudulent, and I honestly don't know what else to do to get this resolved. I have read XXXX threads where others have discussed having the exact same experience with this exact same promotional offer. With many of those individuals citing the high amount of fees they paid just to keep the account open in a hopes of getting the promo they were promised.
Consumer complaint received 2021-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I ( U.S. Citizen ) sent a {$100.00} payment to a friend ( U.S. Citizen ) to reimburse him for a hat he bought for me. Venmo took the money from my checking account and is refusing to send the money to my friend claiming they must review the transaction. At this time at least three Venmo analysts have reviewed the transaction and they still have not released the payment.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is not " user friendly '' to work with online, in that they appear to be the credit bureau that requires payment to get credit reports, file disputes etc. 

Employers listed are Wrong. These needs to be Deleted.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One sent me an offer to the balance during the COVID pandemic. I paid the balance. It was XXXX. The reported to the credit bureau a balance of XXXX. 
They also sent me a XXXX tax liability to for the amount I paid which was the XXXX for XXXX  taxes
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (TN)

Spoke with customer service XXXX told them of my servicing concerns, I have experienced on my mortgage loan with documents to finalize mortgage assistance. 
Sent letter of complaint and concerns to Flagstar Bank President. XXXX by XXXX delivery. Don't want to lose my home to foreclosure. 

See time line attached
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I do not know who this person is but I didnt give anyone permission to run my credit report or open any accounts.
Consumer complaint received 2022-09-07
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. (IN)

The Credit bureaus stated that account XXXX # XXXX was properly investigated, but how is that possible if the monthly payment is inaccurate, Date Opened is inaccurate, Balance is inaccurate, late payments are inaccurate, High Credit is inaccurate, Last Reported is inaccurate, Date of Last Payment is inaccurate. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (OH)

there was a debt placed on my credit report that they are unable to show I actually owe I requested documents that I had signed to receive service and equipment. I had spoke with a rep from the collection agency that refused to give me info on the company desiring collection and could not provide any documentation of debt owed. 
I contacted XXXX and spoke to XXXX who then transferred my to XXXX id # XXXX on XX/XX/2017 at XXXX hrs that refused to provide documentation of the debt she then transferred me to rep XXXX # XXXX at XXXX hrs. this rep attempted to find documentation of services but was unable. she stated that she would send it to investigation on their end. I then repeated that I need documents that show my signature that I received equipment and or services.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On Monday XX/XX/XXXX my wife tried to use her debit card to make a purchase and it was declined, she checked her account to find out why the transaction was declined and found out that her account was overdrawn. She called the XXXX on the back of her card and was told there was a fraud hold on her account and was transferred to the fraud department, after holding for over 2 hours she was told the fraud department was closed and to call back the next day. On Tuesday, she called back and the fraud department said they were NOT the ones who put the hold on her account. She went into a bank branch on Tuesday and she was told her account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give her specifics. The bank branch called the department who placed the hold on her behalf to find out what was going on and the person the bank agent spoke to was sent an email to give her and the department refused to speak with her after she asked to speak with them. 
With what she was going through, I decided to check my own account and found out that both my accounts also had the same hold as her account. Both of us have been calling the bank to at least release some of our funds so we can both carry on with our lives while they investigate but they are not doing that or giving us a time frame as to when the investigation will be over.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

For the past two years, I have over paid into my escrow account and have not been sent the overage amount. I have also over paid on a few payments do to late charges, yet the late charges have not been removed after processing the payment. For instance, if I double my payment and add the late charge, I still have {$120.00} unaccounted for. Although my insurance and taxes are the same, and I over paid into the escrow, my escrow payments went up almost {$30.00} a month. I have paid extra on a few payment only to have the monies diverted from the late fees. How can I make the full payment owed only to have the {$170.00} late fee ( Do n't know how they came up with this number ) added to my next statement as well, so when they get the extra monies, it will be added anywhere but to the late fees. I am tired of Ditech doing what they want with my fixed rate mortgage..
Consumer complaint received 2017-04-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Mortgage back security, there is no such beast, IT IS EITHER OR, AND NON DISCLOSURE, XXXX is now liable for holding a forged instrument, ACTING AS FRUADSTERS PIRATING MY TRUST AS WELL AS XXXX AND XXXX.. I have no contract with XXXX, XXXX nor US BANK, XXXX, OR XXXX, nor do they have one with me, I XXXX any way spelled, withdraw any signatures that has fraud and forgery INSTSRUMENT, as XXXX ( XXXX. AND XXXX.. EVERYTIME ANYONE ACTS UPON THIS FRAUD WILL HAVE ACRUED CHARGES OF XXXX AND WARRANTS APPLIED THAT MAILS ME OR ANYONE ELSE AT MY ADDRESS TRICKING SCHEME INTO A CONTRACT, AS IN MY TRUST OR LEGACY TRUST OF ANYONE IN MY FAMILY, AND NOT TO HAVE FRAUSTER REAL ESTATE TASK FORCE OR HIRED MERCINARIES COME AGAINST ANYONE TO FORCEABLY ENTER OR CLAIM, YOUR ACTIONS ARE A CONSTITUTIONAL, RESTORED REPUBLIC UNDER DONALD TRUMP OR SUCCESSOR. YOUR FORIEGN PIRATES AND ACTING UPON UNLAWFUL LAWS OF THE LAND. cfpb IS NOT A CONTRACT BUT TO FACILITATE THE FRAUD PERPATRATED UPON THE PEOPLE. USING COMMERCIAL PAPER ON HOMES IS UNLAWFUL AND NOW YOU ARE LIABLE WITH ALL OTHERS TOP TO BOTTOM. MR. TRUMP HAS BEEN NOTIFIED AS OTHERS. I SUGGEST YOU BEEN BOW OUT OF THE TRUSTEE POSITION AND XXXX CLAIMING A TRUSTEE POSITION AT THE SAME TIME, AS WELL AS THE XXXX TRUSTEE FRAUDSTER POSTITION AND NOW IN HIDING. SAME WITH THE ATTORNEY. ALL HAS BEEN DEFRAUDED FROM THE VERY FIRST FRAUD REAL ESTATE CONTRACT, HOMES AND LAND ARE NOT ... .. AGENTS ARE PRINCIPLE FRAUDSTERS AND SO YOUR YOU WITH YOUR FIAT AND PAPER, NOW YOU WILL HAVE TO SHOW A TITLE TRAIL AND PROOF THE SELLER OF MY PROPERTY HAS BEEN PAID OR GO AWAY AND REMOVE THE FRAUD LIEN, THE XXXX TOOK ALL LIENS AND YOUR FAKE LAWS OUT XXXX, AND YOU CONTINUE IN THIS SCAMING THE PEOPLE. AGENT TO PRINCIPLE, PRINCIPLE TO AGENT NOTICE, I HAVE CLAIMED MY LAND AND HOME AND PERSONAL EFFECTS, AND HAVE A NOTICE OF DEFAULT UPON CHARGES AGAINST YOU NOW. ANYTHING THEREAFTER IS XXXX. XXXXYou can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and 1122 AB Material Violation XXXX Transfers and servicing of financial assets - XX/XX/2016 - Sale of mortgage servicing rights with a subservicing ... 
Regulation AB mortgages, installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortGage Violates 1122 AB under the SEC once you divest your collateral its gone, bye bye so what are they foreclosing on? 
THERE IS NO MORTGAGE!!! BONDS ARE SLAVERY AND WAS ABOLISHED! 
XXXX AND XXXX FRAUD UPON THE PEOPLE
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I received an ample amount of notices from midland credit management , Inc and I thought it was a joke. What I found out is that this company takes debt from other companies and harasses people to pay debts that do not belong to them. From XXXX I have been to XXXX and XXXX  school, which ultimately led me to living with multiple people. I have had instances where my social security card and ID cards have come up missing. Unbeknownst to me, it appears that someone opened a XXXX account in my name and this debt went on to be unpaid. It is not mine. I have told this company from the beginning that it is not mine. They have the wrong person. Not to mention XXXX itself just screams scam. Ive disputed this on my credit report successfully in XXXX and they keep harassing me.
Consumer complaint received 2019-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XX/XX/2019, {$470.00} was sent to XXXX XXXX with the email address of XXXX via the XXXX XXXX hosted by USAA bank. I purchased a dachshund puppy from a person who told me his name was XXXX XXXX from phone number XXXX. On XXXX XX/XX/2019, the alleged shipper with an email of XXXX called me from XXXX ( XXXX, NJ ) at XXXX XXXX  telling me that the puppy required a specific crate and demanded I send them {$600.00} ( only through XXXX ) or else the puppy would die. I told them immediately that no legit company would ONLY allow payments through XXXX and that this is a scam. They continued to attempt to persuade me but I said no way you people are awful and ended the phone call. The individual who promised me a puppy that I paid for has continued to harass me regarding paying for this fraudulent shipment of a nonexistant puppy which I found out this scam is common, unfortunately, and there is a website devoted to warning people, but unfortunately I learned that too late.
Consumer complaint received 2022-03-03
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: Self Financial Inc. (MD)

On XX/XX/XXXX I went to my local XXXX XXXX and my card was stolen. I did not realize what had happened until XX/XX/XXXX because the purchases were not flagged by Self FinancialXXXX XXXX XXXX XXXX XXXX I contacted Self Financial and made them aware of over XXXX transactions totaling close to {$700.00}. The customer service representatives continued to not include all of the transactions that were fraudulent and lessen the amount owed. I also contacted the police and the incident was investigated throughly by XXXX XXXX XXXX and the perpertrators were captured on camera. Despite the fact that I offered to provide the police report, XXXX. XXXXXXXX XXXX information for direct contact, and proof of the theives existance ( Security officer at one of the stores is a witness ) Self Financial continued to deny my claim, because they said that transactions happened after the incident occcured. This is a lie, and comes from a place of profound ignorance of facts. 1. ) As I mentioned earlier in this letter, Self customer service agents did not record all of the transactions made by the theives so it makes it look like transactions came in after the fact. 2. ) The only transaction that " officially '' came in after the incidents was a refund of XXXX from " XXXX XXXX XXXXXXXX '', The thing that frustrates me the most is that even though I submitted this dispute three times to Self Financial they never contacted me to get the police report, or any information from me for verification. I have not only been victimized once but three times. 1. ) By the perpertrators of the crime, 2. ) By Self Financial who continues to treat me as an accomplice/or a liar and 3. ) My creditXXXX  score has been gravely affected because the credit card has a high balance that I did not create. This is a list of the transactions made by the theives : 1. ) XXXX {$100.00}, XXXX. ) XXXX {$1.00}, {$160.00}, {$87.00}, {$160.00}, {$24.00}, {$10.00} XXXX. ) XXXX XXXX XXXX {$100.00} and XXXX ). XXXX {$8.00}. Please note that all of these stores are located in the same place at a large indoor mall, therefore it is very easy to just walk from one store to the other. I used the card at a XXXX XXXX and the XXXX XXXX ( were it was stolen ) earlier in the day at the same mall. On a final note and something I have been pondering... sometimes I make a purchase and the transaction comes in as pending and then gets processed many days later as posted. Why is Self punishing me for something they have established as common practice.
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

This Company ( ERC ) Enhanced Recovery Company, collection company I assume has been removed from my XXXX report just a few months ago and noew they are back on there again after proving it was not my debt the first time, If i m not mistaken that is not legal.