davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I received a text message on XX/XX/2021 from Bank of America telling me that there had been 2 attempts suspicious charges of a very large amount, first attempt declined purchase, and second attempt purchase was accepted for a charge in the amount of {$7800.00} from XXXX online purchase on XX/XX/2021. I contacted Bank of America immediately and spoke to the Fraud Department. They went ahead and placed a temporary credit on my account for the amount of {$7800.00} and they closed out the credit card ending in XXXX and issued me a new credit card of which I have received. I also immediately placed a fraud alert via the credit bureaus and went to Identitytheft.gov to file a report there as well. 
I had explained to Bank of America that I did not make that charge and that I had just finished paying off my entire previous balance so that my account is in XXXX since I had just moved out of state and trying to purchase a new home. 
I received an email and a letter from Bank of America on XX/XX/2021 stating that they denied my fraud claim and that I would be responsible for the entire amount because they concluded that based on my previous purchase history, I had made purchases with the same merchant in the past. I contacted Bank of America on XX/XX/2021 to dispute the denial and I told them that I had never made any purchases with that merchant booking.com so that was untrue and I asked them to provide a copy of my credit purchase history of which they did not do. They then told me to go to local police department to file a police report, which I immediately took care of after ending the call with Bank of America on XX/XX/2021. I contacted XXXX, Idaho Policy Dept. and spoke to Officer XXXX and she took my police report and issued me police report # XXXX. I contacted Bank of America back the same day and gave them the police report #. The representative who took the report # said they would reopen the claim and further investigate. I received a letter in the mail dated XX/XX/2021 from Bank of America with the same denial and the same reason. So they have not further investigated nor done anything else to help me with this disputing this fraud claim. 
Please be advised that I also had multiple fraudulent charges on a separate credit card XXXX XXXX totaling {$25.00} that they were able to remove without any further questions. 
I need your help to further dispute this fraudulent charge for the amount of {$7800.00} and credited back to my card and also to dispute that Bank of America Fraud Department is doing a poor job in helping identity theft victims like myself and not doing a good enough job investigating. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I sent Experian and XXXX XXXX ( original creditor XXXX XXXX account # XXXX ) a followup letter regarding an alleged debt collection on my credit report by the company " XXXX XXXX ''. Experian has responded to my verification letters sent on the the aforementioned dates above. Experian has sent me a letter dated XXXX stating that the collection account has been DELETED but the account still remains on my credit profile. The account numbers shown on the letter sent from Experian are different from the account number shown on my actual credit profile. It has now been over 30 days since the original dispute on XX/XX/XXXX. They are in violation of my rights under the " Fair Credit Act '', for not removing inaccurate information off my account of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX, for their failure to remove the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my Experian credit report.
Consumer complaint received 2023-01-28
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. (CT)

UPDATE TO CLAIM XXXX FAILURE TO COMPLY!! FAILURE TO COMPLY!! FAILURE TO COMPLY!! 
TRANSUNION has not PERFORMED and EXERCISED THEIR GRAVE DUTIES UNDER THE UNITED STATES CONGRESS TO CONDUCT BUSINESS ACCORDINGLY UNDER THE FCRA. THE UNITED STATES CONGRESS DEMANDS TRANSUNION TO EXCLUDE ALL TRANSACTIONAL ACCOUNTS! FROM A CONSUMER REPORT UNDER 15 USC 1681a ( 1 ) ( 2 ). THE UNITED STATES CONGRESS ALSO DEMANDS TRANSUNION TO HAVE WRITTEN CONSENT TO FURNISH A CONSUMER RPORT ON BEHALF OF THE CONSUMER. TRANSUNION HAS WILLFULLY DECIDED TO CONDUCT BUSINESS OUTSIDE OF THE FEDERAL SYSTEM AND HAS INFRINGED ON MY PURSUIT TO HAPPINESS UNDER THE CONTISTUTION VIOLATING ME UNDER THE BILL OF RIGHTS BY NOT OPPERATING UNDER FEDERAL LAW AS THEY ARE REQUIRED. TRANSUNION HAS CONDUCTED A FRAUD BIAS RE-INVESTIGATION THAT WAS NOT REQUESTED AND HAS NOT PROVIDED THE NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED TO VERIFY ACCOUNTS AS DEFINED BY THE UNITED STATES CONGRESS OF INVESTIGATIVE REPORT. FURTHER MORE TRANSUNION WAS DEMANDED TO EXERCISE THEIR RESPONSIBILITIES AND GRAVE DUTIES NOT TO VERIFY AN ACOOUNT!!. I DEMAND TO KNOW WHAT GIVES TRANSUNION THE AUTHORITY TO DISREGARD THE UNITED STATES CONGRESS AND CONDUCT BUSINESS OUTSIDE OF THE SCOPE OF THE FEDERAL SYSTEM IN ORDER TO WILLFULLY VIOLATE THE FEDERALLY PROTECTED CONSUMER AND FCRA AND CFPB
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collection Services, Inc. (OK, TX) (OK)

Failure to remove a debt paid in full from a credit report is against the law and failure to have said debt removed from collections and still trying to collect on debt that has been paid in full to the physical is fraudulent and grounds for a law suite . I have submitted evidence to reflect such payment in full to collections as well as ALL CREDIT REPORTING COMPANIES. If this debt does not get removed ASAP my lawyer is prepared to take legal action against all parties involved that are not conducting in the manner and are committing fraudulent acts against me and my good name and credit.
Consumer complaint received 2023-03-14
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: Commonwealth Financial Systems, Inc. (FL)

This company popped up on my report a few weeks ago and I never received any type of notice about it. I asked for it to be removed and be sent proper documents about collection. I then asked them to remove it also because it totals {$200.00} which is under the {$500.00} limit and should have not been placed on my credit any way. 

Company : Commonwealth Amount : {$200.00} I have no idea about anything else as I have never received anything from them regarding this account.
Consumer complaint received 2021-06-07
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. (NY)

I have the bellow accounts that does not belong to me and i want them to be erradicated from my credit report ASAP. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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. (NY)

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts 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 an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Again, the accounts 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 or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX 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 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (SD)

I've been faithfully paying on my federal student loan for years but HARDLY anything go to my principal. I would like to pay the same amount while it applies to my principal otherwise I will have this loan forever.
Consumer complaint received 2020-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

In 1996, I enrolled in the XXXX XXXX XXXX program at XXXX for XXXX XXXX XXXX in XXXX, TX, I was told the program was XXXX approved and my credits were transferable to a 4 year college or university. I refinanced the loan with Nelnet and through the years, every college or university that I have applied for admission will not accept my credits or degree and state the XXXX for XXXX XXXX XXXX is not an approved higher education school. XXXX has confirmed that I can not become a member because I did not graduate from an XXXX approved program. 
I have contacted XXXX for XXXX XXXX XXXX for assistance and was told I could now re-enroll to earn a Paralegal certificate for additional costs.
Consumer complaint received 2020-06-30
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. (NM)

Purchased Tickets through XXXX. Covid-19 cancelled the event. Requested refund in XXXX. Never received refund, have proof of request. Sent this to Citibank with all proof. Citibank ruled against me without fairly viewing the evidence I submitted and favored the merchant who said the event was not cancelled and that they do NOT do refunds regardless of corona virus cancellations ( what they told my bank. ) I contacted XXXX XX/XX/2020 and they said they went ahead with the refund on XX/XX/XXXX for XXXX $ and the authorization number given me. XXXX told me to contact my bank and tell them they ( XXXX  ) will still help me and refund it like they said they would because of Covid-19.  Citibank has NO record of this, refuses to help me, I can NOT dispute it because it was already ruled on, and Citibank states I need to contact XXXX and work it out with them and they have no power.
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to XXXX. They are stating that the original amount of the debt is {$69.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. 

Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to XXXX. The amount of this debt also continues to grow with interest being tacked on and now sits at {$160.00}. 

I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.
Consumer complaint received 2023-01-28
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
, have 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 an account without my written instructions.
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have spoke with credit acceptance about this loan and they stated that they can not speak to me about this account .On my credit report credit acceptance is reporting false information about this account and they damaging my credit history .I request for my title to be sent me and there has been not communication since then .no title. This company is under litigation for predatory lending.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (IL)

On XX/XX/XXXX I was made aware of a derogatory mark on my credit report XXXX XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this collection was paid in full on XX/XX/XXXX to Credit Management LP via XXXX XXXX. Credit Management LP has violated my rights as a consumer and I am requesting legal action to remove this collection account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to Credit Management LP in reference to the incident but havent received any feedback.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

The CMI Group d.b.a Credit Management , LP is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Credit Management can not provide any proof that I entered any legal contract with them to even attempt to collect an alleged debt. I've sent letters letting Credit Management know under FDCPA 15 USC 1692g that I am requesting proper validation of this debt.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

A negative entry from XXXX XXXX XXXX XXXX  XXXX. I have been working with XXXX XXXX to get inaccurate entries investigated and removed from my report. After an investigation was conducted by XXXX XXXX the Foreclosure submitted by Third Federal Savings and Loan was removed, however XXXX and Experian still has the entries on my credit report. I sent a request through CFPB on other inconsistencies and questionable entries on my report that still have not addressed. I would like them to explain in detail how the XXXX XXXX XXXX XXXX can remain on my Account when it was removed by XXXX after they conducted an investigation. Why should there be XXXX different finding from each XXXX XXXX XXXX. This ends up causing problems for the consumers and ends up causing more inaccuracies. Why are there XXXX credit reporting agencies anyway? Trying to clean up the inconsistencies between XXXX agencies are costing me a great deal of money and is making matters for me worse.
Consumer complaint received 2021-05-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WI)

Tried to have the payments reduced starting in XXXX and have received no help. The mortgage is paid in full plus additional fees they charged. Tried to get copies of the transactions and received a copy last year. They sent a copy of the transactions thru XX/XX/XXXX. I have asked them to send copy of the transactions to date on the XX/XX/XXXX. They have refused the additional paper work. They raised interest rates with no notification. I have received no help from Chase Bank. I am on a fixed income.
Consumer complaint received 2021-05-12
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. (CA)

This is the sixth time I've attempted to get this mistake corrected I have sent out a multitude of letters and still no resolution whatsoever. There is a name that I am not associated with at all under my credit report and this is attempt number seven.
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: EQUIFAX, INC. (NY)

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX 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 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

This is a new complaint. Prior complaint is XXXX. This issue ( s ) with Select Portfolio Services, hereafter referred to as SPS was brought to your attention on XXXX. SPS reported in their XXXX response to CFPB that they were contacting the prior mortgage holder XXXX XXXX XXXX  ), and also listed that they would consider 100 % of my spouses income. This complaint is to report that SPS has not upheld what they reported to CFPB. SPS have not provided any written updates regarding XXXX XXXX outside of what they reported to CFPB in XXXX. Instead, SPS sent a written correspondence indicating they were moving forward with foreclosure, what theyve referred to as Foreclosure Referral Notification on XXXX. I was told by an SPS associate that XXXX XXXX was taking too long to respond to SPS requests, resulting with SPS resuming foreclosure procedures. Please note, I did contact XXXX XXXX who confirmed that they were in receipt of a loan modification application received by their loss mitigation department and the last activity was XXXX. XXXX XXXX assured me that SPS has all of my detailed information in their possession, which was all transferred to them XXXX. SPS continues their non-transparency and unethical actions. They have put in writing to CFPB that they would complete the review with XXXX XXXX and consider 100 % of my spouses income and have done neither. Theyve become frustrated with XXXX XXXX and have done 50 % of the work. They have done 0 % of considering my spouses income and their XXXX written correspondence to me is clear that they have no intentions to do so. As well as their XXXX written communication to the insurance company. They have made no attempt to provide a written update regarding communications with XXXX XXXX outside of their XXXX update to CFPB. An SPS associate informed me that the written update was not provided, as SPSs communications with XXXX XXXX was not complete ( another contradiction ). Which doesnt explain who they can resume foreclosure if youre not complete. They have also ignored my XXXX corresponding letter expressing interest with 100 % of the spouses income. I am still awaiting SPSs complete review of my XXXX loan modification application with XXXX XXXX and next steps with moving forward with another review, pending SPS investigation with the prior mortgage holder XXXX XXXX XXXX  ), whos stating that SPS has access to all documentation and the history of account actions. SPS continues to make contradicting statements both written and verbal.