davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a message via messenger from who I thought was my boss. After conversing back and forth. My " boss '' gave me a name of a person from the federal government that was working on giving people grants and he said he got one for his business. I am in the process of starting my XXXX  XXXX, so i was interested. My " Boss '' gave me the information to text the " Fed '' guy and to ask to be set up to apply for a grant. So I did. He ask me for the following : My name, address, mothers name, my birthdate, age, email, job position, my phone carrier and my phone number, marital status, income and what mode of deposit do i want and a copy of my drivers license.

Unfortunately, i sent all this information.

Than he said depending on how much the grant I want I need to send them money which would cover the taxes on the grant. Which I did through bank transfer.

He asked me to send him a copy of the deposit receipt into the " federal government '' bank account through my bank.

- I was scammed via a bank transfer to another Bank of America account. When I found out it was a scam I immediately contacted Bank of America, my bank to cancel the transfer which was not finalized & they said they could not do it & to call the next day.
I called today XX/XX/XXXX and basically they said theres nothing they can do even though the scammer has an account with Bank Of America. I lost {$2000.00} from a scammer using of Bank of America.
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I have been trying to have credit issued to us for escrow overcharges through a modification. This complaint has been filed with you since XXXX to the present in my complaints which provide the documents from us and their responses without any resolution. This complaint was filed with CfPb and ct sate attorney which ocwen settled in XXXX and XXXX which we did not receive any compensation damages since both settlements. An agent from CFPB provided me address to ocwen ombudsman yesterday requesting I call them and ask for my compensated damages. I also sent out to XXXX and ombudsman with the issue.
Consumer complaint received 2020-10-27
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. (MO)

Submitted a request for one of three free annual credit reports with Experian credit reporting, about a week after I saw an unauthorized transaction with expirian on my banking statements. I did not provide my information nor authorization for Experian to charge. This is a fraudulent charge placed by the company without my awareness. Experian should not be permitted to access accounts to post charges without permission that it has gained access to in the credit reporting process.
Consumer complaint received 2020-11-27
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 {$0.00}. 
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, XXXX XXXX, 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 ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-09
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 {$0.00}, {$0.00}, {$0.00}. 
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 onXX/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.

-- OPEN ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (KY)

Jefferson Capital System is reporting a debt that was involved in identity theft and fraud under my name. Im not aware of any such debt. As I never received any correspondence by this debt collector. Instead they reported this debt to the credit report agencies. Im requesting under an original contract and an actual signature that shows 100 % verifiable proof under the FCRA with 100 % accuracy that they have the LEGAL right to report this debt. If they are not able to provide 100 % verifiable proof and accuracy with my actual signature and a contract agreement the reporting should effectively be removed immediately from all credit reporting agencies promptly. Further reporting will result in me seeking legal remedy for violating my rights in the statues governed.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

SLS is not honoring a XXXX Bankruptcy Court Order from Day one. The statements do not reflect and have never reflected the court order put in place since XX/XX/XXXX. I have not been provided an accurate accounting for this loan since the Court Order was submitted to the lender. See Attached : Exhibit # XXXX XXXX XXXX of court order. 

I have tried to contact the servicer, Specialized Loan Servicing, who refuse to speak with me or acknowledge that this is a XXXX Court Order chapter XXXX agreement of a 3 year interest only loan repayment. All payment have been made timely per the agreement. 

From the very first statement the accounting has been incorrect and they are adding fees in excess of {$10000.00} to date. I only found this out by ordering a payoff Dated XX/XX/XXXX, See Attached Exhibit # XXXX XXXX
Consumer complaint received 2021-08-18
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: Experian Information Solutions Inc. (PA)

This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021. 

XXXX {$7200.00} ( Experian, XXXX, and XXXX )
Consumer complaint received 2020-11-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (OR)

Called their customer service phone number Tuesday XX/XX/2020, XXXX, to change the dates which my payments would get withdrawn from my account as it would overdraw my account since I just started a new job. The customer service representative told me steps to go through to change the autopay functions via the website and those steps were nowhere to be found. I am now over {$600.00} overdrawn from this company and another. I really just want the XXXX Covid stimulus bill passed through Congress.
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

I am refinancing my home when XXXX mortgage said I was late for XX/XX/XXXX payment, not only that but, said I sent in partial payment. When I have proof of payment from XXXX of the payment sent on XX/XX/XXXX chashed on XX/XX/XXXX by XXXX mortgage. They sent this to the credit bur and refuse to remove it. This is not the only issue I have with XXXX mortgage my escrow account now when I went over to Freedom I had a surplus but now I 'm short. {$1700.00} XXXX said I received from XXXX. that 's a lie. XXXX is my new homeowner insurance company and I sent them some money about {$47.00} dollars which XXXX said I should not have sent. I dont know where XXXX got this from, XXXX even tried to put my home in foreclouse and sent me the papers for hardship. I need to know in writing where my escrow went. Freedom mortgage is the wrose
Consumer complaint received 2020-12-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada (NV)

XXXX XXXX XXXX  and collection services of Nevada Have conspired to fraudulently charge me with this collection charge off. XXXX XXXX XXXX  has fraudulently has accounted for billing against me and file collection charges against me. XXXX XXXX XXXX  has no legitimate documents to prove other than written dollar amount that don't comply to the documents of charges that I haven't closed as follows if you look at the charge she it doesn't respond or connect to the handwritten dollar amounts that are on the accounting and billing statements. This is utterly nothing but a fraud set up and I want this taken care of legitimate XXXX.
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have an account on my equifax credit report that I have disputed three times that is reporting fraudelent information. The company 's name is XXXX XXXX. I went into this company to try to get it resolved after a third dispute thru equifax on XX/XX/XXXX. The company 's owner refuses to talk to me. He sends a very rude woman out to talk to me about the account. She says the account is not even in their files anymore. I kept trying to show them on my phone how it was reporting on my equifax report. The lady continue to be rude and talk over me, so I left. It is reporting on my equifax report as an open installment loan from XX/XX/XXXX with a XXXX balance. The results of the third dispute with equifax came back on XX/XX/XXXX stating that XXXX XXXX claimed that the account was included in my bankruptcy. I filed for Bankruptcy in XX/XX/XXXX. The XXXX XXXX account was paid off well before then and was not included in my bankruptcy. I called Equifax on XX/XX/XXXX and talked with a supervisor. She looks at my report and sees that the XXXX XXXX account is not correct and still tells me she ca n't do anything about it. She then tells me to dispute it a fourth time. Now I have been paying for equifax credit monitoring services every month since XXXX and this is how they treat their customers. They see fraudelent activity and wo n't do anything about it. So I told the supervisor at equifax I was cancelling my services. She was very nonchalant about it and connected me to the cancellation dept, so I cancelled my services. I called XXXX XXXX after I got off the phone with equifax. The same rude woman answers the phone. I said please hear me out I 'm begging you, please let me explain how y'all are keeping me from fixing my credit. She talked over me and hung up the phone in my face. Despite to find a solution I talked to my bankruptcy lawyer. They said they can write XXXX XXXX a letter stating that they were not included in my bankruptcy, but they ca n't make them change anything on my credit report. So I researched online and found CFPB. I am praying that CFPB can resolve my problem with this XXXX XXXX XXXX that has been treating me with unbelievable disrespect.
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

This debt of roughly {$680.00} should not have gone to collections, but was created and sent over to a different company originally several months ago due to a mistake made by XXXX XXXX XXXX. This debt is supposedly for a past due balance and non-returned equipment. At the time i was told that if all equipment was returned, the amount due for the equipment AND the past due balance would be closed out, this however was not done. I have told Diversified consultants of this and informed them i have proof that all equipment was returned yet they still contact me daily about this debt. Even after speaking to a " floor manager '' and setting up a plan to pay off my debt, they are still calling me multiple times. As well, I have never received ANY mail regarding this debt.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX NY XXXX XX/XX/year>
Consumer complaint received 2020-08-04
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: DriveTime (GA)

I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX   on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as Drivetime and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s ) bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair  Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.
Consumer complaint received 2024-02-02
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting fraudulent inquiries on my credit report without my knowledge. I called and asked them to be removed but with no luck. I told them that I would send in a FTC report immediately.
Consumer complaint received 2020-07-17
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: National Credit Adjusters, LLC (AL)

I have contacted the Creditor and Credit Bureau more than twice and no response and the issue is still unresolved. This is defamation of character. I would like proof of the original documentation with my signature to prove that this debt is my debt.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-03-25
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: DISCOVER BANK (OH)

When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX  and XXXX  has no data provided but XXXX has it 30 days late payments which is clearly inaccurate.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C.1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt BBB
Consumer complaint received 2020-10-27
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. (FL)

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED BY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT
Consumer complaint received 2024-02-02
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. (TX)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX