davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had an online friend ( XXXX ) real name he told me was XXXX for 2 years that scammed me with a money flip scam over the internet. He was very persistent and kept telling me he had a really big job as a XXXX XXXX and he made XXXX every 2 weeks. He recently bought a house with a girlfriend and that's why he needed money for food. He first asked for XXXX he was giving me options and finally we settled through XXXX using my bank of America account he got really excited about XXXX. I didn't think at the time why XXXX but now I found out that XXXX unlike XXXX has XXXX fraud protection. He then said this was my chance to make some big money so I should send as much as I can so then I sent XXXX. He said he would give me XXXX XXXX XXXX on Thursday. Then literally the next day he told me to be a good friend again and send him XXXX dollars so he could take a plane ticket to go see his girlfriend because her mom just had a XXXX XXXX and he wanted to be there for her. He said if I didn't help him with XXXX there was no way he would be able to pay me back but if I did give him the money I got get back XXXX  so I thought about it and realized I was already XXXX dollars in with this guy 's scam and was scared because he threatened to not pay me back if I didn't comply so like an XXXX I did again. Right after he scammed me out the money he started avoiding me and blocked my phone number I tried a million times to explain to him that if he needed money he could've just told me and I would've helped him with what I could. But instead he decided to scam me out of all my money and now I feel like an XXXX thinking I could've made XXXX. I tried calling XXXX and reporting what happened but they said they can't do anything about it. I tried telling them that I have proof of what he did and they know both or accounts and the proof coincides with the text messages but they want to treat the scam like its not a scam and I just decided to openly give all my money to someone I've never even met with or he wasn't tricking me to giving him everything.
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I have never received anything from IC Systems. I have never heard of them. I have no debt and a clear record except for this bogus filing. I have disputed it, still never received any information, and they only site the FCRA as a reason to leave it. However I have opened no accounts within the statute of limitations in the state of GA. Please help!
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I am someone with perfect credit history & uses my checking account on a weekly basis but this did not stop chase bank from holding my money for over 3 yes 3 WEEKS stating my account at first was pending until the Wednesday of the following week only to close my account with no explanation it has been already 2 week since that date & they still have yet to send me the check from the couple thousand I had in there it is now Saturday night & the rep I spoke to on the 24hr hotline was the one who informed me the check has still not been sent?! Then once the check sends they say it takes 7-10 buisness says so they put my account on hold for 2 weeks only to close it unbenouned to me & then they are taking a week or more to send the check making this 3+ weeks of waiting for MY HARD EARNED MONEY I have been a customer for over 8 years with no issues they have also made it impossible to access previous bank statements which are needed stating I need to waste more of my time they have already stolen from me to go into a branch to speak to them
Consumer complaint received 2019-11-11
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. (CO)

Transunion is reporting incorrectly a collection in the amount of {$11000.00} on XXXX XXXX XXXX partial account number XXXX. The original creditor is XXXX XXXX XXXX. ( Please see page attached from my credit report. ) After my original lease expired I moved from the apartment complex. My account upon leaving was in order and in good standing. I never signed a renewal lease agreement and clearly XXXX XXXX XXXX has made an error and attached this collection to the wrong person and account. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Consumer complaint received 2019-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CA)

We have received several delinquent notices from XXXX County Taxes. This was supposed to be paid out of our Escrow account. We can not make our mortgage payment because of these tax bills and unable to make mortgage payment because of a decrease in employment, Health care premiums and costs. I would like Guild to pay the XXXX County Taxes and I would like a modification on our home as outlines in FHA insurance rules.
Consumer complaint received 2019-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Oklahoma Student Loan Authority (GA)

This is my son loans, after he graduated, he has been unsuccessful with getting a job, this school didn't help with finding one, a lot of employment do not except this school. He got his XXXX XXXX XXXX. 
The loan is in my name and I am struggling to pay it, this is my son loan but in my name, I would like to find out how I can remove my name and add his. 
That school was a joke, he put a lot of time, effort and bills to keep in XXXX, for a year, it's been almost 2 years now and still has nothing to show what he went for. 
Please help get me with this. 
XXXX XXXX My son name is XXXX XXXX.
Consumer complaint received 2019-11-12
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: AMERICAN EXPRESS COMPANY (MD)

I was rendered incompetent care by a law firm named XXXX XXXX XXXX  XXXX. The firm also fired me as a client without cause. I filed a bar complaint. I contested the charges with AmEx and AmEx refused to assist me.
Consumer complaint received 2019-11-12
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. (CA)

I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

I called about a debt showing on my credit report for a hospital bill from rmp services but I have had insurance. I did not receive any bills from the original creditor or from the collections company. Her tone was condescending. She lied about insurance being able to pay for said debt I owed and was at first refusing to give me all information related to said account when she did I called my insurance to relay information and upping further investigation the bill way paid by insurance for services on date rendered But not only that she was rude condescending telling me life isnt fair get use to it that I cant cry about everything that isnt fair and other rude remarks that I will choose not to disclose
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft report.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/LOW has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CBM Services, Inc. (FL)

Over a year ago i never received a bill for medical services. XXXX threw there gross incompetence and error used a false fake address of XXXX XXXX XXXX bayonet point fl XXXX. I never lived there and never received a bill from XXXX imaging service and i never received a debt bill or debt notice whatsoever! I spoke with XXXX and CBM Services Inc and they made up a false address and never sent me any bills and notice to collect a debt to my correct address of XXXX XXXX XXXX XXXX fl XXXX. Both refused to help me today and remove this charge i have had no idea what it was for from my credit report that was the ONLY one to notify me of this debt. Both XXXX and CBM Services Inc are in violation of they law.
Consumer complaint received 2019-11-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascendium Education Group (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-11-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have requested to verify through the physical verification of the original signed consumer contract. XXXX XXXX has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I visited the XXXX XXXX Hospital in XXXX, Pa. My visit was covered under insurance and paid for. However, I received a debt collections notice from Phoenix Financial Services located in XXXX, Indiana about a debt owed to XXXX XXXX XXXX XXXX XXXX, which is also located in XXXX, but does not have a real physical location and Ive never been to this place either. After reviewing their information online it is noted that XXXX XXXX XXXX XXXX XXXX, is currently using the same phone number as XXXX XXXX Hospital, but is using a different address. The only name linked with XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX, who is not a physician at XXXX XXXX Hospital, nor a physician that I have ever seen.
Consumer complaint received 2019-11-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services (PR)

Dear Sirs : I acknowledge receipt of a letter of condolence regarding the passing of the customer and appreciating doing business with us after paying the full balance of the loan. However, I called to your customer service By the end of XXXX requesting the title of the vehicle just to find out it was sent to another address which is different to the address that you have been sending the bill for the last 4 years and 10 months. I acknowledge that I was very angry with your employee, who I know has nothing to do with this unfair practice of Mercedes Benz Financial Services that discriminate against US citizens residents in the US territory, PR. He told me I would be receiving a letter certifying the car has no debt with MBFS in the next 5 business day due on XX/XX/2019 for us to get a new title in PR. After this call, I received a letter and a notebook from your customer service VP person. This is not what was expected and agreed to satisfy a full payment of {$100000.00} for a car. 
We need the title of the car, we are the owner not MBFS. 
Consider this as an official complaint according to your customer service procedure. If I dont receive any answers to this email in the next 5 days, I will do a formal complaint before the Federal Trade Commission and the PR Ombudsman. 

I dont have any other option since you are being an obstacle for us to do legal business with our vehicle. See the attached documents that evidence the Power of Attorney given to me to do business with the vehicle and the email sent notifying the passing of my mother. 

Cordially, XXXX XXXX XXXX Email : XXXX Sent from my XXXX Begin forwarded message :
Consumer complaint received 2015-09-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

As part of a bankruptcy proceeding any American citizen is protected by Constitutional mandate. Bank of America has decided to follow a different course of action than any other creditor pertaining to my Chapter XXXX discharge of creditors. As I have submitted, Bank of America followed through a due process on my initial dispute on the carrying of balances on discharged debts. Bank of America re-inserted balances on XXXX ( XXXX ) lines of credit since they initially placed balances at XXXX from my initial dispute. 

Bank of America must file a release of any judgments filed against XXXX XXXX XXXX immediately in the county of my jurisdiction, XXXX County, New York. 

Bank of America must show a payment history of all late payments dating back from the inception of all accounts, and delete all accounts if a late payment occurred 84 months or greater based upon the 7-year rule mandated by the Fair Credit Reporting Act. 

Bank of America my XXXX out all account balances immediately as part of the bankruptcy judicial process, since under Federal Deposit Insurance Corporation ( FDIC ) Rule XXXX, the debt discharged through bankruptcy was listed as a sub-standard debt, written off or charged off by legal statute, and applied on a XXXX SEC quarterly filing on written off debt. 

Bank of America id " Double Dipping '' by maintaining balances on XXXX set of books, after applying all legal tax remedies through a XXXX SEC filing for written off debts. 

Bank of America must delete all aspects of past accounts if the XXXX month calculation is applicable, or the accounts will be considered re-aged, an FTC violation of Fair Credit Reporting Act protocol and Fair Debt Collection Practices Act processes on legal collection practices.
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (IL)

My problem is that Equifax isnt disputing anything on my records. XXXX XXXX XXXX XXXX collection reported XX/XX/XXXX assigned XX/XX/XXXX amounts {$450.00} account number # XXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX assigned XX/XX/XXXX amount {$330.00} account # XXXX XXXX XXXX XXXX   XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$460.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$90.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$190.00} account # XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$1200.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$410.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$250.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$170.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$240.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted capital one on multiple occasions regarding 3 separate credit card accounts that were opened in my name fraudulently and have provided police reports and additional documentation that validate that I did not apply for or use these cards, and each time they have come back and stated that the cards were not opened fraudulently and continue to hold me liable for the charges, damaging my credit