davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit 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 (NC)

I just found out last month that BofA has charged off my credit card. Prior to receiving the demand/summons for payment, BofA did not send me any collection or demand letters in an effort to resolve the matter. I contacted the collection agency and they were unwilling to provide a settlement for a reduced amount that would be more in line with the amount I owe. They did not provide proper statements nor notices of default prior to charging off the account and giving me a chance to resolve the matter. I tried to settle the account with BofA 's collection and these folks are predatory and did not want to provide a reasonable settlement in light of the fact that my due process was denied by not sending proper notification that the account would be charged off. These companies simply charge off accounts and don't care one bit about the consumer 's credit. I have requested they provide statements to review the entire charges and they refused to talk to me further and sent me to the collection agency who does not have any interest in settling the account for a reasonable and fair amount. Additionally, the balance includes interest and late charges on top of interest on late charges that had they provided to me earlier we would have settled. I want to pay what I owe, but this amount is unreasonable.
Consumer complaint received 2023-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023 I received an email from Bank of America stating they needed an additional {$45.00} to process the property valuation. ( See attached ) I immediately went to the Post Office to mail the {$45.00}. When I arrived at the Post Office there was XXXX person working and about XXXX people in front of me. I stood in line for XXXX hours and paid about {$30.00} to sent it priority mail. 

After I left the Post Office and a few days later I saw an email from Bank of America stating Great News no additional fee is needed and they would honor the previously letter. 

Its a Friday afternoon why didnt XXXX from Bank of America XXXX out and call me to say the {$45.00} is not needed. That way I wouldnt have to stand in line for XXXX hours at that XXXX XXXX. Terrible customer service. 

On Friday XX/XX/2023 after being told Bank of America would honor that original letter. On the same day XX/XX/2023 I received another letter from Bank of America with a new undisclosed rule stating it could take 21 days. 

At this point Bank of America is just making up and changing the rules as they go along. Why? This is Unethical and a bad business practice. 

This is a low risk loan. The house across the street sold XXXX for {$530000.00}. The house next to me sold for {$540000.00}. The house behind me sold in XXXX for {$530000.00}. My mortgage balance is less than {$250000.00}. Which means the equity is 60 %. Making this a low risk transaction. 

Most banks process these low risks transactions without sending anyone out. 
There is No requirement for PMI removal that someone has to come out. Banks routinely use another product for these low risks transactions. 

Why is Bank of America taking 21 days to process removing PMI? First it was as XXXX days, now XXXX? Why is Bank of America processing PMI deletion like a home purchase or refi loan?
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records. Your company is using identity theft to gain access to personal information.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (IL)

I am part of the XXXX XXXX XXXX lawsuit and settlement I went to XXXX online XXXX XXXX Case # XXXX I have only had {$9200.00} discharged when in fact I should have {$20000.00} discharged if you actually look at my case you will see the loans. I also have not been refunded the payments I made on these loans You are a member of this group if you are a Class Member who submitted a XXXX XXXX application relating to a school or schools on this list ( often referred to as the Exhibit C list ). If you are in this group, then on or before XX/XX/2024, you will have the outstanding loans that were the subject of your application fully discharged, will receive refunds of any amounts you previously paid to the federal government toward those loans, and will have the credit tradeline associated with those loans deleted from your credit report ( Full Settlement Relief ).
Consumer complaint received 2024-02-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (PA)

On XX/XX/year> I purchased an airline ticket with XXXX and paid for it with Affirm.com 's payment service. Later that day, I got a notification inside of the Affirm app that said that I was being denied for this credit/loan. Seeing that I got this denial letter, I proceeded to use a different service, and website to go ahead and purchase my ticket for travel. A few days later, I was surprised to see that the airline sent me information regarding the purchase I made with Affirm.com for that plane ticket. I received a letter of denial for the credit/loan that was to pay for this ticket so I was not expecting that I even had a plane ticket with this airline. I immediately contacted Affirm.com and asked for explanation regarding the confusion here. If they sent me a letter saying that they are denying me the credit, when did they decide that they were NOT going to deny it, and when were they going to let me know? Affirm.com told me to call XXXX who told me to call the airline. The airline told me to call Affirm.com. Everyone is telling me to call everyone else and there is nothing anyone can do seemingly.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXX XXXX  a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off XXXX  time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.
Consumer complaint received 2023-07-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (GA)

synchrony bank is the owner of care credit, car credit and XXXX when I make a payment and want to cancel it and change the amount but still have the amount due on time, it won't allow me to. I have to call the card and if I dont ' have time i have to find time. 
also there website is not secure and shakes so when making payments its difficult to click on to the correct date as it moves.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc. (MA)

Dear Consumer Financial Protection Bureau ( CFPB ), My name is XXXX XXXX, and I am reaching out to you as a concerned customer regarding a distressing situation with Moneylion. Despite exhausting other avenues, I find it necessary to bring this matter to your attention in the hope of finding a resolution.

Initially, I received misleading information from one of Moneylion 's customer service agents, assuring me that settling my negative account would lead to its removal from my credit report. Regrettably, this information proved to be inaccurate. However, my frustration deepened upon discovering double accounts on my credit report, despite only opening one. 

XXXX XXXX ( XXXX # XXXX ) confirmed this discrepancy and advised me to dispute it. Unfortunately, the response to my dispute claimed that the information is verified as accurate. 

In addition, I have also emailed Moneylion 's CEO, but he does not seem to care or respond to my emails.

I urgently request the removal of both Moneylion trade lines from my credit report due to the stress, financial loss they caused me, and the fraudulent opening of double accounts under my name. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

I, XXXX, XXXX XXXX, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have exercised my right to rescind the transaction with DISCOVER BANK as part of my equitable relief. DISCOVER BANK then sent me 9 documents if title, that I have remitted to DISCOVER BANK for discharge and offset of the account. The account hasn't been updated to reflect the remittance ( s ) that was sent and received via certified mail.The following month I proceeded to send out a billing error/ breach of fiduciary duty notice to DISCOVER BANK via certified mail which has also been received.

I have also opted out and rescinded any authority may have given DISCOVER BANK to report about me to any 3rd party which they have not honor and i have a right to privacy.

Please see the following attachments : Remittance ( s ) Billing Error/ Breach of Fiduciary Notice Power of Attorney, CAF Notice , Fee Schedule Opt Out Notice Name Copyright Passport Card
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (FL)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (WA)

XXXX XXXX XXXX passed on a collection to Transworld Systems ( collection agency ) saying I owe {$940.00}. I contacted XXXX XXXX XXXX and they verified me by SSN ( Scary ) and said I had opened an account with them on XX/XX/year>, and was closed XX/XX/year>XXXX  due to nonpayment. I did not write down the address the lady told me where the service was used, but it was a XXXX TX address. I have lived in Washington State over XXXX years, then Oregon before for many more. I swear I have had this pop up on my XXXX XXXX report before and disputed it, and won. Now this time around the investigation says its legit. The only companies I have ever had my name in for electric services was XXXX ( XXXX XXXX XXXX ) in Oregon, and now XXXX  ( XXXX XXXX XXXX ).
Consumer complaint received 2024-02-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

After reviewing my credit report i noticed a student loan reporting by LVNV Funding LLC Account # XXXX I notified them that I never received any loan from them I also indicated that i am not liable for the credit item listed on my credit report I demanded that they investigate and immediately remove and block this account from my credit report The continue to report on my credit report causing me harm.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX regarding the Alleged XXXX XXXX XXXX Account No. XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

on XX/XX/XXXX I acquired an auto loan with capital one Auto and after making my first payment, the car was hit by a reckless driver from behind and the car was totaled on XX/XX/XXXX while resuming my present job, on XX/XX/XXXX my insurance made payment of XXXX plus to capital one and on XXXX the warranty refund was also given to capital one. Then capital one sent me an email that I am owing them XXXX and after investigation by my attorney, it was discovered that I am not owing them so my attorney asked me to pay the XXXX which I did and I finished paying that money in XXXX of XXXX. I was at home and capital one sent me a letter stating they owe me a refund ( see attached ) and I called and told them I also told you this from beginning that I do not owe you guys any more and instead you owe me money, Capital one then gave me XXXX as refund for access payment I made. time has gone by and this XXXX I worked 2 jobs and decided to get a better car only to realized capital one reported my account as write off ( That is I didn't pay them and they wrote the XXXX off for me and this has been affecting my life and as per attached it is very obvious capital one was paid and they lied just to make my life a living XXXX. all effort to reach capital one auto proof abortive as they are hiding and unable to reach see all attached document and I am ready for a public interview so the whole world can see what capital one is doing and only God knows how many peoples life capital one has destroyed.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. 

XXXX ) I've only one XXXX XXXX. But on my credit reports, it's showing that I've two XXXX cards, which is clearly false. 
XXXX ) I've no balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my TomoCredit account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} balance for each XXXX card, so it becomes {$190.00} balance for two XXXX cards, which is also clearly false. 

I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$190.00} balance across two XXXX cards, with false late payments still being counted. 

I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been more than 2 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( TransUnion, XXXX, XXXX ). This's a major issue and seriously has to be fixed.
Consumer complaint received 2023-07-22
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)

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXXXXXX
Consumer complaint received 2023-07-22
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. (TX)

I hope this message find you well. I am submitting this CFPB complaint regarding unauthorized inquiries I recently noticed on my XXXX credit reports. While Equifax has successfully removed all the unauthorized inquiries just this recent days earlier, when I habitually checked my Equifax credit report, I noticed these XXXX unusual inquiries in it, the thing is when checking my records regarding those specific days I found none of the said inquiries I made to the companies. The same thing for XXXX and, in particular, XXXX. Like I said in my recent complaint the XXXX has removed most but not all of the specified fraudulent inquiries, with XXXX inquiries remaining unresolved. However, from XXXX Credit Bureau there was no action has been taken to remove any fraudulent inquiries, and now these additional XXXX inquiries added to my issues I need to fix in my credit file. I kindly request that XXXX, Equifax and XXXX Credit Bureaus promptly address the following fraudulent inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX I want to ensure that my credit report accurately reflects my creditworthiness and remains free from unauthorized entries. As a consumer, I expect full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates credit bureaus to investigate and respond to consumer disputes within 30 days. Considering that several months have passed since I initiated these inquiries, I request immediate action to resolve this matter.