davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I recently received a letter from the Fair Collections and Outsourcing Inc, in an attempt to collect a debt that was not mine. 

Today, I visited the property that sent me to collections for this unpaid apartment application in an attempt to learn more about how this happened. 

The property manager XXXX XXXX printed documents showing that my name and social security number were used with additional information to include phone number and addresses that didn't belong to me. The person who pretended to be me when applying for this application listed their bank as XXXX XXXX XXXX XXXX a bank I have never belonged too nor had dealings with. 

The property manager agreed that it was identity theft which occurred but continues to direct me to deal with the collections agency he forwarded me too, instead of dropping the collection. 

He even stated that he opened another claim against me but was not sure if it was tied to the same account number. 

I am not responsible for this charge nor was I the person that initiated it. 
The only thing that was valid in this person 's application in an attempt to impersonate me was the name and social security number from the documents that I see.
Consumer complaint received 2017-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I received my XXXX XXXX, XXXX Bank of America Home Loan Account Information Statement and it is wrong. Bank of America is saying that I must pay {$980.00} which includes my Ground Lease Rent Payments, but there is an overage of {$54.00}. At no time did I request for insurance to cover this loan. 
Please see below for my own calculation : Mortgage is {$670.00} which includes escrow. 
Ground Lease Rent Payment is {$760.00} each quarter. This is {$250.00} per month. Again, I pay {$760.00} each quarter. 
Total to include Mortgage and Ground Lease Rent is {$930.00} Bank of America is charging me an illegal overage of {$54.00} Please correct this problem. 
Just getting a response from them that is incorrect, wrong, will not correct this problem. It will just let Bank of American continue to do what ever they want with their customers. 
We need corrective action from the CFPB.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7400.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

As a personal customer Wells Fargo for 27 years, I have maintained a business checking account with the bank since 2014. I primarily use this account to receive payments for my small business that provides consulting services to small wineries in XXXX. Due to COVID-19, I have not had any revenue in the past three months coming into my account and therefore had a zero balance. While I understand that this is a legitimate reason to close an account, I received absolutely no notifications from the bank over the course of the past three months regarding the closure. I woke up to an email this morning informing me that my account has been closed without any prior notification. I find this to be very deceptive as the bank claims that they typically notify account holders at the 30, 60, and 90 day intervals before closing an account. The sudden closure of my account has now put me in a difficult position as I have restarted generating revenue and Im unable to transfer it to the US to use it to support myself.I would like to reiterate that my frustration stems from the fact that I was not notified in a timely manner about the potential closer my comfort rather on the day of the closing. After contacting Wells Fargo, they were unable to offer me a solution to resolve this matter and therefore I would like to file a complaint. As I receive an email from the US Postal Service showing images of the mail I receive on a daily basis, I would be happy to submit documentation proving that I did not receive any communications from the company.
Consumer complaint received 2023-01-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (VA)

I XXXX XXXX, a federally protected consumer giving written notice pursuant to 15 USC 1692g ( b ), give notice that.

1. The Consumer request verification of the debt.

2. The Consumer request validation of the debt, to wit, the chain of title to the debt and a history of changes and payments thereon.

3. The debt, or a portion thereof, is disputed.

4. The Consumer requests the name and address of the original creditor. 

ACCOUNT INFORMATION FOUND ON CONSUMER REPORT.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AK)

On XX/XX/2022 the Wells Fargo ATM at XXXX XXXX XXXX XXXX, XXXX, XXXX kept my card. I had a new ATM card sent to me via XXXX. The issue is the card was sent signature required. I work so no one was home to sign. I asked to have a XXXX card sent to my work address - the XXXX card was not sent to my work address it was sent to my home address. Same issue as the XXXX card. So I had a XXXX card sent out via regular XXXX mail. I received the XXXX card on XX/XX/2022. In this time I had issues with several auto pay accounts and other issues. My pay check is direct deposit so all of my money was tied up in the account. I did have the XXXXXXXX XXXX  but most places do not take XXXX XXXX and most of my auto pay accounts do not take account numbers or XXXX XXXX. I was hung up on by Wells Fargo customer service agents and other issues with the customer service agents at Wells Fargo. I have sent a letter to Wells Fargo with very little response from them. I have contacted an attorney regarding this issue.
Consumer complaint received 2023-01-11
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. (GA)

There are several accounts still reporting on my credit file that doesnt suppose to be there. I disputed prior and didnt receive information I requested. I would like the followed accounts disputed and removed immediately. After disputing please send me the source and the method of verification showing the date and time the account was verified. Also include contact information on the source of verification for the following accounts : XXXX account was suppose to removed XXXX agreed that this account would be removed due to it being inaccurate XXXX XXXX inaccurate account, account was suppose to be removed last year for inaccuracies XXXX XXXX - there were unauthorized charges in this account and XXXX was aware of it and a police report was sent. All of this happened prior to XXXX buying this account in XXXX. XXXX never verified that they owned this account either. Please remove this account immediately.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.
Consumer complaint received 2021-09-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 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 person 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 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (GA)

Fraud has been committed on my XXXX XXXX which violates the FCRA and FDCPA. NCB MANAGEMENT SERVICES , INC. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all XXXX  activities and have the tradeline line deleted from my XXXX Report. Also see attached letter
Consumer complaint received 2023-02-08
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. (NC)

This is my NUMEROUS 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 items 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 ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (GA)

Arvest Central Mortgage Co. is my mortgage company who is responsible to disburse amounts to pay real estate taxes timely. {$2900.00} was due on XX/XX/XXXX. As of XX/XX/XXXX, the company has not paid for the real estate taxes and the county has assessed {$140.00} of penalties and {$21.00} of interests. The late payment incurred in XXXX as well. I inquired the company for a response via the company 's website. I have received that they acknowledged the message but they have not addressed the issue. 
Again, this is repeated the same as last year, and I never missed a payment.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NM)

This company is reporting to all three credit bureaus ( XXXX, XXXX, and XXXX  ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ; US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX ; FCRA Section 623 ; XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX ; and FCRA Section XXXX Part ( A ) ( 1 ).
Consumer complaint received 2017-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I checked my Trans Union Report and discovered Trans Union had put two negative accounts on my credit profile. The two negative items are from XXXX XXXX XXXX XXXX XXXX. Upon further research I discovered that the last update supposedly reported was on XX/XX/XXXX. This is absolutely bogus. I have a trans union report obtained in XX/XX/XXXX that will explicitly show that these two accounts were never on my report in XX/XX/XXXX as stated by Trans Union. These accounts did not appear on my account until after the XXXX breach. I tried to go on line to dispute these accounts but was not allowed by Trans Union. I request Trans Union remove these Bogus accounts immediately and not put them back in the future. Also Trans Union should be penalized for adding negative information without validating this information.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I applied for a loan modification with my lender and I was declined because I have a loan modification in 2012. The lender said my lender only allows one loan modification for the life of the loan. I asked who the investor is and the lender refused to give me the name and contact information so i could follow up with them.. This servicer has been known to mislead and I am trying to make sure I am given a fair accessment.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX  XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have attached the discrepancies with these accounts from my credit report. The information is inconsistent and illegal. These accounts should be deleted immediately.
Consumer complaint received 2021-09-11
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. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

I am writing in reference to a Released XXXX XXXXn that is reporting on my XXXX and Experian credit report as Serial No. # XXXX. The XXXX has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released XXXX XXXX was immediately removed by XX/XX/XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. XXXX or Experian has not updated their information and PER the New Law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit reports.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (IL)

I've been a XXXX credit card holder for probably over 20 years. I don't know when it happened, but " XXXX by Goldman Sachs '' took over from XXXX. I get all my bills in the mail in paper form. I received a phone call from a representative who told me I had an outstanding balance this last XXXX. At that time I informed the representative that I never received a bill in the mail from them. I paid this outstanding balance immediately. The representative told me that after I make the payment my account balance would be {$0.00} and the late fee and interest charges would be reversed. In XX/XX/2022, I started receiving notices in the mail from XXXX that I still owe them money. On XX/XX/2022 I called their customer service number and the representative told me it was again fees for interest & a late fee. At that time, I explained what occurred in XXXX and she told me that XXXX had made all my statements electronic. I do not get any of my bills this way. Every month they just keep on tacking on more fees on my account when it was XXXX who made the error of delivering my statements electronically. After numerous phone calls, and a guarantee that someone higher up the chain will be calling me to straighten all of this out, all I keep getting is statements in the mail with a new HIGHER balance due. This is their fault for making my account statements delivered electronically. I NEVER requested this action. They are now wrecking my credit score by reporting this ever growing balance due under my SSN. Please assist me with getting this matter straightened out with this XXXX company. 

XXXX, XXXX XXXX
Consumer complaint received 2021-09-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

In XXXX of XXXX Pentagon Federal Credit Union ( PenFed ) reported my mortgage account as delinquent when it was in forbearance. On XX/XX/XXXX PenFed mailed me a letter stating that they submitted corrections to the credit bureaus. Well this does NOT include XXXX because as of XX/XX/XXXX my XXXX credit report is still shown as delinquent by PenFed. I filed a complaint about this with CFPB in XX/XX/XXXX ( Complaint ID XXXX ) and the response from PenFed was that I needed to wait at least 30 days to see an update with the credit bureaus. I called XXXX on XX/XX/XXXX and was on the phone with them more than 30 minutes discussing this because they had NOT received any corrective information from PenFed. The only paperwork they received was the letter I submitted to them from Penfed dated XX/XX/XXXX. When XXXX contacted PenFed to verify the inaccurate information reported to them, PenFed told them that the INACCURATE information was CORRECT! In fact, on XX/XX/XXXX PenFed AGAIN reported my account as delinquent to XXXX. I have attached documents which verifies all of this. This misinformation has caused me to pay more for car insurance because of the negative status on my credit report and score. It has also caused me to be unable to refinance my mortgage due to the negative status on my credit report and score. This will be my last attempt to rectify this civilly as my next step will be filing a lawsuit.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I reached out to XXXX, Transunion, and XXXX on three different occasions XX/XX/2020, XX/XX/2020, and XX/XX/2020 about fraudulent accounts and inaccurate personal information that is present on my credit profile also due to fraud, I also called in Transunion and spoke with the supervisor XXXX XXXX, ref # for the call is XXXX XXXX XXXX, I also spoke with XXXX same reference number I was told inaccurate info would be removed ( addresses, names, inquiries ). Those items are yet to be removed. I also sent proof from FTC report with dispute letters. It is evident they are breaking the law seeing that they haven't responded in over 90 days. These are the tacking numbers for each certified dispute that was sent out XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These are the fraudulent accounts and inaccurate info requested be removed XXXX XXXX XXXX account # XXXX, XXXX XXXX A account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Please review this info and check with these bureau to see why they haven't removed these accounts or even responded to me within the legal time frame. Thanks.