davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Due to a subprime loan by Countrywide/Bank of America, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. Bank of America Foreclosed on my home in XX/XX/XXXX, and no other activity occured on said account since. Bank of America reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both XXXX XXXX XXXX, and to Bank of America to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.
Consumer complaint received 2024-02-26
Product: Credit reporting 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: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

US DEPT OF EDXXXX XXXX XXXX HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX/XXXX  XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite METRO 2 & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2017-10-15
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. (FL)

I have contact XXXX XXXX to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Address Information on My Credit Report Dear XXXX, Equifax, & XXXX, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was a victim of identity theft ; my SSN, drivers license, and checks were stolen and used to write checks and open/apply for credit cards. 
In 2012, I moved back to XXXX from the XXXX, IL area. I had assistance from a local moving company. Upon arriving in XXXX, I noticed that there were some personal items missing including my social security card, drivers license, state ID, a box of checks, and XXXX credit cards ( I always safeguard these items in one of my dresser drawers, and they were missing ). About a month later, I realized that my account was negative and there was a {$500000.00} hold. When I spoke to a rep at Fifth Third Bank, they informed me that there were a few checks written out that were cashed for roughly $ XXXX-XXXX. I advised them that this is fraud, to not honor the checks, and to close the account ; I did not want to have checking accounts at a bank that the fraudsters knew I was associated with. I contacted the credit bureaus and placed fraud alerts on my credit report, and also contacted XXXX XXXX and XXXX XXXX ( XXXX cards were used fraudulently around that time as well ). 
I recently ordered a XXXX report and noticed that Fifth Third is still listed along with the reason for account closure : suspected electronic fraud. I contacted XXXX to have the item removed, but was sent a letter roughly 2 months later stating that Fifth Third said everything is valid ; Fifth Third has no right to tell me that everything is valid, when I have told them multiple times that it is not. I was a victim of identity theft and the person that cashed my check needs to be held accountable, not the victim ( myself ).
Consumer complaint received 2017-04-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I recently sold my home in New Jersey. I had a home equity line of credit with Specialized Loans Services, LLC which was frozen since XX/XX/XXXX. At closing, SLS requested the payoff amount and an escrow amount which they received. I asked by phone for a refund of the escrow amount and was told to make the request in writing. I requested the refund in writing following their instructions which included sending a copy of my driver license, my new address, and a statement requesting the refund. To date, no refund. Closing on the sale was XX/XX/XXXX. Account number with SLS is XXXX. My numerous phone calls to SLS resulted in redirection to other areas or phone numbers within the company. Kindly assist.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (FL)

XXXX XXXX XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called XXXX IN, account number XXXX and Franklin Collection Services, account number XXXX. XXXX XXXX XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX XXXX XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX XXXX XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX XXXX XXXX but they did not. I tried to explain to XXXX XXXX XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,
Consumer complaint received 2022-07-05
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. (SC)

The collection listed on my reports is totally incorrect. I signed up for a 90 day membership and only received 30 days of service, yet I'm being charged for the entire 90 days which is deceptive and not lawful. When I refused to pay, the company owner got angry and purposfully opened a collection against me even after I gave multiple attempts to come to a civil agreement which were all ignored. That being said, In accordance with the Fair Credit Reporting act 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 account without my written instructions
Consumer complaint received 2017-07-21
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)

There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}
Consumer complaint received 2017-04-15
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

I received a package in the mail for a work at home opportunity. It was a XXXX for MoneyGram. A check was enclosed with a complete instruction memo on how to complete the task. I did exactly what it instructed, I deposited the check for {$1900.00} into my account and once the funds were released I withdrew {$1700.00} to make the XXXX separate transactions. I went to XXXX separate MoneyGram locations and made the transfers successfully. A couple of days later XXXX called and said the check was returned. XXXX separate transfers were done, XXXX to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and the other to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The communication came from an XXXX XXXX and the reply emails were as such : XXXXXXXXXXXX or XXXXXXXXXXXX XXXX. 
Email report to XXXXXXXXXXXX for how you rated the customer service you received at each location. The XXXX after the fact said they have had several of these incidents and checks returned after being accepted into their banking accounts.
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My complaint is agents 5th 3erd Bank I have the bank on line option with my checking accounts, I do n't understand nor can I ever get an explanation on why my account on line seldom reflects the actual balance in my account. I have received many overdraft charges for this reason. On Monday XXXX XXXX I deposit my pay check for XXXX, on that day my balance said I had XXXX ( the deposit takes 24 hours to credit my account ) so I have XXXX, plus XXXX pending. I make XXXX credit card payments that equal XXXX. On Tuesday XXXX XXXX I check my account and I 'm overdrawn XXXX. My rent check had been deposited on Monday by my landlord, but it did not get proses until Monday night, it was for XXXX, now what I do n't understand is if my credit card payments and my rent check were proses on Monday night and I had XXXX plus XXXX pending, how could I be overdrawn? How is it that my online account knows I have XXXX pending but my actual account does not? They intentionally ignore the deposit that is going into the account, hit me with XXXX overdraft charges, then suddenly credit the deposit and withdrawal the service charges. How is it that they never credit the pending deposit first? 
My on line account knows that there is a pending deposit it shows me on my on line account, I feel that 5th 3erd does this totally on purpose to charge me an overdraft charge. 
I hope you can understand what I 'm saying, I 'm not the only person that sees this, that Bank has hundreds of complaints against it. Pleas help they have taken hundreds of dollars from me this way and it just does n't seem fair, they mislead or blog face lie via the on line banking.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WY)

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX Account # XXXX The results are : We have verified that this item has been reported correctly. 
XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; Amount {$62.00} ; This is not a valid reporting. It is fraudulent. I never owed this practice money. XXXX XXXX XXXXXXXX ( see attached ) removed this fraudulent reporting within 5 business days. Equifax took over 15 business days with terrible results.
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I am being sent to debt collections for XXXX dollars. The rental company XXXX on XXXX claims I had moved in XXXX of 2023 and moved out in XXXX of 2023. I have never resided in their apartment complex, I have several unanswered emails that I had sent out before the so-called " move-in '' date that show I indeed kept telling them I wouldn't be moving in. I even spoke to them through phone calls and was told that it was okay. I never gave a deposit either to move in. All I ever did was apply and ended up not moving due to the fact my job had cut my hours and together I wouldn't be able to afford it since I am a XXXX XXXX I have been living with my mother for the past XXXX  years of my life. I get all and any federal government papers sent to where I've always resided which has been my mother 's. For them to place me under collections and claim I lived there is false and If I were I would never be called to be informed of my rent being late for XXXX if I lived there I never even received a key to any apartment. I will be including XXXX different emails showing how they kept wanting me to sign the lease and I never did, I also have included XXXX other emails where I emailed them telling them I wouldn't be moving in anymore with no response after that I had spoke to someone through the phone telling them this.
Consumer complaint received 2020-05-28
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. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (GA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX HABITAT XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX Balance {$610.00}.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I tried to dispute with Experian an item is in my credit report and tehre is a process of a Validation of the Debt with XXXX XXXX also, I Kept Experian aware that I was in the process of Validation of the Debt therefore they can not continue reporting anything if a validation is not provide to me from the collector I 'm dealing with. but seems Experian do n't respect my FDCPA rights they still reporting an item is not validated, see the attached validation letters I sent and XXXX never responded. 
Collection agency if they do not validate a debt can not continue to pursue collection activity .see FDCPA Section 809 attachment. thank you
Consumer complaint received 2022-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is stealing money from the American people. I found out that the mobil app is misleading and the fine print is not transparent... I called and spoke to XXXX employee ID XXXX phone call established on XX/XX/XXXX ending on XX/XX/XXXX 1 hour and 8 minutes on the subject with no resolution. The employee admitted that the app is misleading and not clear. I made a payment in full on XX/XX/XXXX I called to make sure I would not be charged interest since my payment was due on XX/XX/XXXX. The person who picked up said I would not be charged interest however, I still owed a balance of $ XXXX ..... I told the rep I could not see that balance on the mobil app and she advised me that the application which is published by the company is not correct. I asked what that means and here is what I was explained. I was told that the balance is lacking accurate information and I need to wait until the transaction clears to then pay the balance of $ XXXX which, then I would be charged more money on. I told the rep I was not happy and the rep basically told me tooo bad so sad we dont value your business even though you have been with us for 12 years and lost your job to covid-19 ( I worked for XXXX Cruise Lines ) I need to read the fine print and call in even though the application doesn't say the correct price there is nothing that can be done. I told the representative not to make me feel ignorant and I felt belittled even though I considered myself to be ontop of my finances. The rep apologized and still offered no resolution except im sorry next time dont accrue a balance so we dont charge you more money ontop of the money we charge you ..... I told the representative that I didn't appreciate the lack of knowledge and transparency. The rep XXXX was very nice but, didn't offer anything to help. I even asked if a monthly fee could be waived as I have been banking with them since XXXX and she said no. I want the company to understand that if they publish the mobil application the least they can do is provide a section that allows to truly pay in full without double dipping ..... I owe {$7200.00} I pay {$7200.00} but I still owe $ XXXX and now I need to wait 3 days to pay the {$100.00} which then charges more interest so I have to pay more than {$100.00} because of the 3 days ... ... its not fair to the American people especially those who have been banking with this company for many years and have never asked for a waive of fees.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.