davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC (LA)

A certified letter was sent to National Credit Adjusters on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. National Credit Adjusters has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. See attached document.
Consumer complaint received 2018-08-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Roquemore Holdings LLC (PA)

The company Roquemore & Roquemore AT XXXX XXXX XXXX is repeatedly contacting myself, my daughter and my spouses ' parents for a debt that is NOT ours! They are trying to get a hold of my spouse about this loan but it is solely IN HIS NAME. IT IS NOT MY DEBT, THEY ARE JUST TRYING TO LOCATE HIM BUT HARASSING US REPEATEDLY. 

This debt does NOT have our names on it!!! They are repeatedly calling me AT WORK for weeks and PURPOSELY DIALING ALL OF THE EXTENSIONS OF MY CO-WORKERS AND BOSS!!!! 

This is NOT MY DEBT. It is NOT IN MY NAME. WHY ARE THEY HARRASSING US!!!! 

I actually thought it was a huge scam at first because of how often they called me. I do not know any of the details of this LOAN, it is not my business, I am not on the loan, I was not included as a reference .... neither was my daughter who is 19!!! They are just trying to get someone to talk to BUT IT IS NOT MY BUSINESS.
Consumer complaint received 2022-08-01
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Money was fraudulently withdrawn from my Bank of America checking account using the online service XXXX. This happened on XX/XX/2021. XXXX fraudulent withdraws happened that day for a total amount of {$3300.00}. 

That happened around XXXX XXXX that XX/XX/XXXX. I noticed that my phone lost all service for about 30 min. Just after I got my phone service back, I also received an email alert saying I successfully sent money twice through XXXX. 
I immediately called my bank to raise the issue. They froze the account right the way, which prevented third attempt from the same hacker. 
I filled a claim. But bank of America refused to refund my money, stating that the money was regularly transferred using a One Time Code Sent to my phone. This is not true since I did not have the One-Time code set for my account at that time. 
When I contacted my phone service, they confirmed that suspicious activities happened on my phone account on that day and around that time and they provided me with my phone records that show intrusive device using my phone number on that day. 
Despite those evidence I forwarded to Bank of America ; the bank still concluded they will not refund my money. 
I applied all security measured the bank recommended, and still XXXX subsequent hacking happened on my account, for what I called the bank who intervened to stop fraudulent money withdraw. I eventually decided to close my account with the bank. 
I attached to this claim : - My phone records on that date - Bank of America resolution letter XXXX Bank of America Supporting documents.
Consumer complaint received 2018-08-28
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)

Equifax is reporting my last name inaccurately on my credit file, I have tried getting them to fix this error twice with no resolution. My first dispute was sent certified mail in XX/XX/2018 and my second attempt was through Equifax Online Dispute Portal on XX/XX/2018. I have sent them all required documentation both times. They received copies of my drivers license, social security card and, proof of residency. Equifax is reporting my last name as XXXX which is Not the correct spelling. The correct spelling of my last name is XXXX. I have had it trying to dispute anything successfully with this company because they Do Not take responsibility. Equifax is Not properly investigating my disputes. How can this company claim to have my best interest in mind at preventing identity theft when they allow for a simple misspelling of a consumer last name to appear on the consumer file. I want CFPB to take the necessary steps to penalize Equifax for allowing these preventable mistakes. I am a victim of Identity Theft and I take my consumer files very serious and when I have tried disputing the incorrect spelling of my last name for 2 months to no avail it starts to make one wonder what Equifax is even doing to protect consumers and why they are reporting inaccuracies.
Consumer complaint received 2018-08-28
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. (GA)

XXXX phone call was made I spoke with 3 different agents then they hung up. XXXX spoke with two agents that both said they transferring me to a special unit, however no one came and they hung up. XXXX I called again and spoke with 2 agents held on for 30 minutes they picked up asked my information dob ss address then said its two special units they have to transfer me the other
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

In an attempt to refinance my home in XXXX, I contacted XXXX XXXX XXXX as a XXXX party. I spent a few months paying my mortgage through them, being told by Mr. Cooper offices that I could not speak with them directly anymore since I now have a 3rd party. A few months pass and XXXX XXXX XXXX has in fact not been sending my payments to Mr. Cooper on behalf me and I was being scammed. In an attempt to solve this problem I sent in a notice by e-mail to XXXX XXXX offices to remove XXXX XXXX XXXX from my account and to stop all contact with them immediately, on XX/XX/XXXX of XXXX. Instead this notice was clearly ignored for multi months on end until XXXX of XXXX, where I had to call them endlessly and send a second letter of notice. All the while they have continued to not accept my monthly payments and increasing my past-due amount up to {$19000.00}. And on the phone I am receiving conflicting information that this amount being shown on paper and online may be wrong and I might in fact owe up to, if not more than, {$20000.00}. They have forcible put me in a situation where they I could not possible pay my missed payments in time before a full foreclosure sets in. Mr. Cooper is actively attempting to prevent my from catching up on my mortgage after I have notified multiple times that I have been scammed and all forms of paperwork should be sent to me at the property address.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

LVNV Funding is reporting a collection on my credit report that is a result of Identity theft. I have sent letters to them and let them know about this on several ocassions and they are still reporting this account on my file.
Consumer complaint received 2022-08-01
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I, XXXX XXXX, filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (WI)

Received call from ERC in Minnesota at XXXX at XXXX XXXX on XX/XX/2019. Individual 's  name was XXXX XXXX (? ). Asked me to verify my address. I told him I would not verify my address until I understood why he was calling. He asked me again with a threatening tone, and I refused again, and repeated this until he asked me if " I was scared to give out my address - it was public information '', at which point I hung up. I called the main ERC number and was able to resolve the issue and find out with what company I owed the debt ( XXXX XXXX  ) and for how much {$26.00}. XXXX 's behavior was extremely inappropriate.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (IA)

I have fraudulent inquires that Im requesting be remove from my credit report included is my FTC report with proof of my identity, inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not consent to any fraud alert me place on account!
Consumer complaint received 2020-06-12
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. (NV)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-06-12
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX  XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$1700.00}
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC (CA)

In XXXX, XXXX, I purchased solar panels for my home through a company called XXXX XXXX '. They offered, and I accepted a time payment plan from a 2nd party company named " Solar Mosaic '' @ a 1.49 % interest rate. The system was installed on my home and payments to Mosaic began XX/XX/XXXX, XXXX.Mosaic takes the payments directly out of my checking account. This was a condition of the loan. 
So, on XX/XX/XXXX the payment for XXXX had been taken from my checking account, as agreed. The payment for XXXX, XXXX, was not due and payable. 
( This is where my complaint begins ) On XX/XX/XXXX, I paid an additional {$500.00} to principal on the loan - as to reduce the balance. The Mosaic Company credited my account with ( {$490.00} ) and charged me interest of ( {$5.00} ). I contacted them and was told, in order for the amount of money paid over and above the regular monthly payment, the additional amount had to be paid along with the owed amount. Well, since the company Mosaic takes the money directly out of my checking account, there is NO WAY to accomplish this. I pay down that loan when I have the extra funds to do so. Is it legitimate for Mosaic to remove interest money from additional money I pay towards the principal on the loan? I think not. 
The way they have it figured, every nickel i pay on my loan has an interest charge tacked onto it. Again : The Mosaic company removes the monthly payment directly from my checking account. If I elect to pay an additional amount, they charge interest on the additional amount. I can not submit extra money to be applied to principal without them removing interest because they remove the monthly payment money directly from my checking account. Their records that are the basis of this complaint are listed below. 
amount principal interest XX/XX/XXXX Payment ( {$97.00} ) ( {$64.00} ) ( {$33.00} ) XXXX ( Additional ) Payment ( {$500.00} ) ( {$490.00} ) ( {$5.00} )
Consumer complaint received 2022-08-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX # 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 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Experian is violating my consumer rights. Experian continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX as noted on report # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Experian buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. Experian 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) which states, " 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Experian continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

Creditor : CITI Add : XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX Acct # XXXX Creditor never communicated with us about our options and no statement was mailed out till it was too late. Credit Card had charges on it that were not ours. We have trouble speaking XXXX  and our native tongue is XXXX. Every time we called them, after a few minutes the representative would get upset and disconnect the calls because they could not understand our broken XXXX. We tried to explain that these charges were not ours ... but they would not listen. Now, this account has been charged off and is affecting our ability to refinance our home. Please help.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

I have money in my escrow account at Mr Cooper they work with a company called XXXX they do all the escrow payments problem is no one can reach them by phone and only people from Mr. Cooper can type them a message and wait for a response sometimes it takes hours sometimes days they received bills for my taxes that were due on the bottom of the bills and tells you if its escrow or its non-escrow. In any case XXXX took the money out of my escrow and pay the sewer bill that I already paid because its my responsibility and not theirs. I was very disheartening to find out that weve got eight weeks to wait for them to correct the problem and put my money back in my account Ive made 15 attempts to get them to move it in faster and then Ive signed papers to try and do my own escrow myself because I never wan na deal with this again Ive always handled my own taxes and insurance without escrow. I will be sending you pictures of the Mr Cooper bill for my taxes so you can clearly see what was taken out and sedate I do not have it back in my account since mid XX/XX/2023 were in XXXX the middle of it right now. I dont want somebody holding onto my money and earning interest on it well I have to sit and wait for the end up back into my account if I wasnt on top of things Id forget about that and not go into it also XXXX XXXX app is not accurate when you go into looking at your escrow amounts and your mortgage payments its very confusing and they dont show where the money was taken out yet I got a bill that it was taken out I also have a friend that runs the tax office in XXXX CT and she asked me why I paid it twice thats what tipped to be off!! not Mr Cooper not XXXX and that strange how they werent going to tell me what they did with my account. I dont like it its unethical I dont trust them and I dont want their hands in my escrow account anymore I need help with this. Mr Cooper and employees do not seem to see the urgency and putting money back after they made a mistake and it wasnt mine.
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (WI)

In the amount of XXXX To Whom It May Concern, In reference to the above-listed account, I am requesting that your company delete the derogatory account due to violations of the Fair Credit Reporting Act ( " FCRA '' ), the Health Insurance Portability and Accountability Act ( " HIPAA '' ), et seq. See. Reference Above WHAT YOU NEED TO KNOW The Privacy Rule generally requires that medical information that is used by a medical provider or its business associate should be limited to the minimum amount necessary for the purpose of the use or disclosure. 
My private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This unauthorized dissemination of private health care information has been, and continues to be of great detriment to my welfare, and is a violation of the HIPAA privacy rules.

The HIPAA-covered entity ( health care provider ) and/or its business associate and/or collection agency did NOT provide me a HIPPA release that releases my personal health care information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights There is NO balance due on this account. 
5.

6. 
There is NO permitted business purpose under the HIPAA privacy rules.

The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the XXXX, SEC. XXXX ( XXXX ) BREACH OF SECURITY. -The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXX  of XXXX ( HITCH Act  ) as issued XX/XX/XXXX. 
10. Additionally your XXXX XXXX XXXX is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section XXXX of the XXXX XXXX ).
Consumer complaint received 2020-06-12
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: Paypal Holdings, Inc (CA)

I disputed this charge with XXXX and PayPal. As I detailed in my complaint PayPal allowed XXXX XXXX to charge me for a trial that I had zero recollection of ever requesting a trial. I never used the XXXX service. I explained to XXXX, PayPal, and XXXX if I was on a trial I would have used this service. The representatives I spoke with agreed that it was not used and that you should not be charged for something you did not use. I discovered that I had this charge when reviewing my statement. I'm being charged for a service I never used and because of some technicality or unfair glitch it is unreasonable and stands on the border of unethical billing practice. Further PayPal has just dismissed me and refuses to acknowledge me. The arbitration clause has given way to disrespectful representatives and an over all lack of concern for the consumer. Pleas see details times, dates, etc! 
- negative {$99.00} XX/XX/2019 Software Automatic Payment " XXXX XXXX XXXX XXXX XXXX '' Loading transaction details for XXXX XXXX - negative {$99.00} XX/XX/2019 Software Automatic Payment " XXXX XXXX XXXX XXXX XXXX '' Paid with XXXX XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX XXXX '' on your card statement. 
Manage XXXX XXXX payments Category Software Transaction ID XXXX Seller info XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase details XXXX XXXX XXXX XXXX XXXX   {$99.00} Total {$99.00}