davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Before the end ofXX/XX/XXXX, I met someone online after 7 long years I 've been a widow, I never dated anyone so I thought I try the online dating, I did. For few months were corresponding, 24/7 communication through texting, emails, and calls..I fell in love with XXXX XXXX this was his fictitious name. During our correspondence he told me that he is working as a XXXX XXXX in XXXX business name XXXX, I checked it out then, it was all real and his name and photo was there, so everything seems to be valid and real. So then everything seems to be good. So, we continue to our relationship, I was comfortable, happy, secured, and inloved! Fast forward ... one day he told me that his company is about to give him payment for his finished construction project in XXXX government but he needed my help in order for him to get his payment to process all the documents to transfer the money in my account here in the US so when he comes and moved here financially everything would be ok. I believed in everything he said and I trusted him. So then, he said he needs {$8600.00} for the documents then, he sent me all the information of the XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, HIS account number XXXX and IBAN OR swift. He told me to put " GOODS '' on RECEPIENT PURPOSE of payment so it would be easy to send the money I went to the Bank of America to make the wire transfer on XX/XX/XXXX, the transaction was done. We had a good communication after that ... until around XX/XX/XXXX that 's when I found out I was scammed. I was manipulated. HE IS GONE!
I was shocked! devastated, ashamed, lost, XXXX, empty! I had to call the police to report this and advised me to call FBI and also file a complaint, and I did. I had to make an appointment to the FBI office to show them all the proof and evidence that I was scammed.
It 's been months I have been so XXXX. I had to see my doctor and seek a counseling because of this. I was /am XXXX.
I ask the Bank of America, CFPB and XXXX XXXX to help get my money back from the RECEPIENT 'S ACCOUNT. It is my savings account that I worked so very hard to earn it is a CLEAN LABOR AND SWEAT! Please help me. Thank you so much.
Consumer complaint received 2020-10-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hi XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-05-06
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. (FL)

I have disputed the 3 bankruptcies on my credit report several times. Transunion, XXXX  & XXXX  keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including Transunion, XXXX, XXXX  and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MS)

XX/XX/XXXX I received a letter stating my Escrow taxes had not been paid yet. I pay them every month with my house payment. I called my tax office and they informed me that XXXX had not received the right PPIN which is there responsibility to pay my tax. I called XXXX and explained this to them, I sent emails and explained this. The amount of my taxes are XXXX and XXXX. I can not get anyone to tell me anything. They will not return my call, I have called everyday and today is XX/XX/XXXX. My next step is to contact my attorney.
Consumer complaint received 2020-10-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2017-08-07
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: STATE FARM BANK, FSB (MI)

I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. STATE FARM BANK-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX CARD-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

They are unable to provide a paper trail for transfers between accounts and account holders. As such, I have 2 deposits made into my checking account that they are unable to determine the origin of. Unknown bank transactions. This bank has no idea where the transactions are coming from???
Consumer complaint received 2020-05-06
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. (AL)

I sent letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I have been trying to fight Wells Fargo to resolve this issue to fix my mortgage and to save my house. Every time I try to get an adjustment from the bank they decline it every time. I went into bankruptcy so that they can stop trying to sell the house while I try to save it. I 'm doing everything I can to save my house. Payments are being made and I 'm requesting adjustments every time I can even if they decline everyone. I ca n't sleep because of this issue, they just do n't want to do anything to help me. They just want to sell my home without trying to help me resolve this issue.
Consumer complaint received 2020-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subs
ection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (IN)

My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX   XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX 11 ) XXXX XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XX/XX/XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX XXXX  XXXX 20 ) XXXX XXXX XXXX XXXX XXXX 21 ) XXXX XXXX  XXXX 22 ) XXXX XXXX XXXX 23 ) XXXX XXXX XXXX 24 ) XXXX XXXX XXXX XXXX 25 ) XXXX XXXX XXXX 26 ) XXXX XXXX XXXX
Consumer complaint received 2020-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC (CA)

Winn law group apc is trying to sue me for a credit card debit over 10 years old. They claim to have served me a levy dated XX/XX/19 and I never received anything they have filed with XXXX county small claims court and this lawsuit should be happening because statue of limitations has passed
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : Original Creditor : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DEPTEDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : USDOEXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. Upon conversation with customer service. They could not provide me with any substantial reason for that report. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

Attached is a copy of my report ( XX/XX/year> )
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I recently tried to apply for a new job and discovered that my credit profile has addresses and information that is not accurate. My Name should be listed as XXXX XXXX XXXX. I live at XXXX XXXX XXXX  XXXX XXXX XXXX. My SS XXXX DOB XXXX. Please delete any other variations of my name. Please delete remove the following addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have several numbers on my file that do not be long please delete the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-07
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Partners Financial Services Inc (IL)

On XX/XX/XXXX I called partner financials to inquiry as to why I have not been receiving paper billing because I noticed XXXX XXXX a company I use to monitor my credit appears to have late payments. My payments with partners financial were auto debited for the last 2 years and somehow stop being debited from my checking account. I spoke to XXXX to help me with a payment plan because I was about to become three months late and requested once payment has been made to please remove the late payments from the credit bureaus as it will affect my ability to return to school and obtain additional student loans. The representative stated we have been sending emails not paper bills. I ask her to confirm the email and she stated she had an old email I no longer use. My payments are about $ 160/month plus ( {$14.00} interest ) and may vary due to interest. I am past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now accumulated to {$680.00}. XXXX the representative stated to me " you should have thought about paying your debt and not our fault your late and now you need to pay {$510.00} to get your account up to date. I just graduated XX/XX/XXXX and do not have a job in what I have majored for. The Representative was very rude, cold, unprofessional and inconsiderate. When I ask to speak to a manager the representative disconnected the phone. The representative was an a very harassment mode and should not be tolerated when Partners financials is not doing due diligence and helping students by damaging there credit and not sending out paper billing. This is extremely unfortunate for students trying to pursue a degree and better future. Today I paid {$680.00} to partners financial to bring my account up to date. I am hoping this matter is taken seriously and I am seeking for a resolution. More students may start coming forward and complaining about how partners financial conducts business and there behavior. I do not have any statements to show at this time because I 'm receiving any paper billing from partners financial