davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Hello I have stolen money from my account. Account number : XXXX There were XXXX separate withdrawals made via Internet banking, which I did not activate, since I do not have internet banking and large sums of money were withdrawn from my account. 

First withdrawal XX/XX/XXXX XXXX XXXX USD - information per monthly statement Second withdrawal XX/XX/XXXX XXXX USD- information per monthly statement Third withdrawal XX/XX/XXXX XXXX USD - information per monthly statement Fourth withdrawal XXXX XXXX XXXX USD- information per monthly statement, Fifth withdrawal XX/XX/XXXX XXXX USD information per monthly statement I live overseas and I maintained this checking account for the purpose of my Pension check directly deposited in this account. 

My monthly Bank of America statements arrive at my address in XXXX with a significant delay. I immediately called the Bank to report my objection to the withdrawals and demanded to have the withdrawals investigated for breach of security of my account. Every time I called, I spent a good hour on the phone without any results. I have witten XXXX separate register mail letters to the Bank of America disputing these withdrawals, but to no avail. There is XXXX USD on my account on my last statement in XXXX XXXX, XXXX In the meantime, I stopped the deposits to my Checking Account, but each month the Bank charges me XXXX USD service fee - because I have insufficient balance, which is not my fault. 

Bank of America is charging me a service fee from XX/XX/XXXX every month until now.. 

I am attaching the letters I have written to the Bank. 

I mailed XXXX register letters to the Bank on the date as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and many hours on the telephone to Bank of America. 

As of this date I failed to receive any answers from the Bank. 

I do NOT have a XXXX telephone number. I do have a landline telephone Number : XXXX XXXX XXXX XXXX XXXX XXXX I kindly ask, please help me to close my account! Total amount stolen from my account XXXX USD plus XXXX USD monthly charge from XX/XX/XXXX continues every month. 

Thank you! 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
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. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I ask that the items be deleted to correct my credit report.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, my free annual Equifax credit report request was delivered to the following by Certified mail XXXX XXXX XXXX : XXXX. 

Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have not received my Equifax credit report in the 3 months since my request was delivered. 

Last year ( XXXX XXXX, the SAME THING happened and I never received my Equifax report that I requested last year. 

XXXX XXXX XXXX, my XXXX XXXX, sent her request for her free annual Equifax credit report. She also did NOT receive her Equifax report. It was sent by Certified mail XXXX XXXX XXXX : XXXX. Her SSN ends in XXXX.
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (OH)

They say pnc won't allow them to link to my account. I don't understand why? They have before and I log in right and everything is working fine besides pnc not allowing them to link to my account.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GSA Commercial Asset Management (CA)

No appear at docket CFPB, ORDER : CFPB CLOSED all account bank OF all defendants REASON : MY docket at CFPB defendants fail answer It is seem Contempt, fraud from all defendants unite Violate
Consumer complaint received 2021-09-13
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2021-02-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Iconic Mortgage Corp. (CA)

I was first contacted by XXXX XXXX, a loan officer with Iconic Mortgage IncXXXX on XX/XX/2021. He expressed the current interest rates my eligibility to refinance through the VA XXXX program. I told him that I would get back to him on a decision. About a week went by and during that time he kept messaging and contacting me about the rates they had available. Eventually we spoke on the phone XX/XX/2021 when I let him know that I was interested in applying for the refinance. I provided him the social security number of myself and my wife. Which there was a credit check done on my report. He then went on to explain that there would be notary sent to my house to complete the application process along with the title paperwork the next day XXXX XX/XX/2021 ). The next day I received a call from a number stating they are the notary to meet with me at XXXX XXXX. However later that day I received a call from a woman whom said she was with the title company. She expressed that they didnt have all of the paperwork ready for the notary and want to reschedule for the next day, I agreed. However, since that day XX/XX/2021 I have not heard from anyone. I have sent text messages, phone calls and voicemails without a response. This is odd that there was not any problem contacting me previously.
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter Business Service, Inc. (MA)

Hello, I am written to you for help on my derogatory remark on my credit report. I have a collection payment on my report. This medical collection is 2 years and 6 months old. I don't have the exact date and documentation of when I got it. At the time I was inexperienced with my credit, but now I trying to improve my credit score. Also I was unemployed at the time to repay the collection debt. I am trying to repay my collection and was seeing if you would be able to as a goodwill gesture to remove my derogatory mark.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Community Health Investment Company, LLC. (IN)

My hospital bill that I have consistently been making monthly payments on since its origin, was turned over to a collection agency " Professional Account Services Inc. on XXXX/XXXX/XXXX. I sent the collection agency a CEASE & DESIST letter on XXXX/XXXX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. They recently sent me a letter on XXXX/XXXX/XXXX explaining that they have been trying to unsuccessfully contact me by phone & advised me to pay them the debt by phone with a credit card. They sent me another letter two days later on XXXX/XXXX/XXXX threatening to place negative marks on my credit report unless I contact them to resolve this account.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I have a complaint against Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX. I was treated at XXXX XXXX XXXX XXXX on XX/XX/XXXX for the last Appointment in treating a XXXX XXXX. I have no co-pay from my insurance and never had to pay one for  any of my treatments. All of a sudden I received a statement that I owed {$100.00}. The last time I spoke to XXXX XXXX XXXX at Transworld Systems on XX/XX/XXXX at XXXX XXXX with a complaint because I received a written letter on XX/XX/XXXX from them saying I still owed this money. XXXX XXXX XXXX took my ID # from my health insurance to resolve the problem. I am really upset even more now because they have not resolved the problem because when I received my house insurance bill, I was informed that my credit was now affected and my bill was now higher. I feel that I have been a victim by this company and that they should be stopped from defrauding others.
Consumer complaint received 2021-05-22
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. (NY)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MN)

a mortgage co.named XXXX XXXX bought my mortgage from XXXX XXXX they sold it to s.l.s. specialized loan service s.l.s. started making my realestate tax payments without my knowledge they claimed I was not paying them so they reported to credit bureau my rating went from XXXX to XXXX so now I can't get a refinance I pay my homeowners ins s.l.s. sent a fax to travelers telling them I filed bankruptcy and my home of 33years was in foreclosure both lies I have a copy of the fax they sent to travelers travelers told my agent I have 20 days to prove otherwise I did that the last I've heard from them summing up my good credit of 50 years is shot I had a XXXX last XXXX. I can't get out from under s.l.s. can you help me? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX minnXXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 XXXXXXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report
Consumer complaint received 2021-07-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Immediate Credit Recovery (CA)

My name is XXXX XXXX I am reaching out to the Dept. of Education and Immediate Credit Recovery. Account # XXXX I have written all 3 credit bureaus and Immediate Credit Recovery about placing my student long account in forbearance or deferment because of the Covid-19. Everyone else in the United States and my friends all their student loans were place in forbearance or deferred but mind is still reporting as Charge Off and my credit scores with no job. I can not get a place to stay because I am not working and my credit because of these student long reporting as Charge Off is ruining my life. I am asking and pleading the Dept. of Education and Immediate Credit Recovery who I didn't even know had my student loan in collection. I never received a letter until XX/XX/2021 after I wrote to the credit bureaus and Dept. of Education. I talk to my Attorney General 's Office they told me to write this letter to CFPB asking both the Dept. of Education and Immediate Credit Recovery to place my student loan in deferment or forbearance. Until I can get a job and place to stay. Also, my Attorney General 's Office said that Immediate Credit Recovery can not collect in the state of California because it is not license or have a registered agent. They are validating Federal and State laws along with FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) & Sec. 805 ( c ). As a consumer I am suppose to be afforded protection under these laws. This causing me not be credit worth of any new credit or to get a place to live. I highly appreciate that you can assist in either removing this off my credit or update as current.
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XX/XX/XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XX/XX/XXXX XXXX Reported Identity Theft ) 13. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Upon my application for a mortgage with another lender, AmeriSave mortgage began calling my cell phone. First, this is a TCPA violation as they did not obtain my consent to contact me via cell phone. Secondly, I made no contact or application with AmeriSave. However, they stated they have my information and they have me approved for a mortgage. I never applied or contacted them in any way. They are obviously purchasing leads from the credit bureaus for recent inquiries. As this is a misleading practice and they are violating TCPA they should be fined. On XX/XX/XXXX I received two phone calls, On this first call, I made them aware, on a recorded line that they did not have my permission to contact me and that they were violating TCPA. It took me four additional calls after the second call from them today to get someone to acknowledge they were removing my phone number.