davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (CA)

Received a letter from this company  XXXX   XXXX  claiming I owed mon ey on a 4 year old hospital  visit {$660.00}. At the time I had  XXXX  and a supplement, at the same time they filed as a collection account with the  XXXX  major credit reporting agencies in order to wreck my credit and force me to pay. In the letter I was given 30 days to notify them if I disputed the validity of the debt, however they notified this as a collection account immediately to the agencies. I have called them twice and can get no answers, these are sleazy scammers. If you note in the letter they cant even spell my name correctly.
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was doing my home loan with Select Portfolio Servicing , Inc. ( SPS ) starting XX/XX/XXXX. 

On XX/XX/XXXX, we paid up the remaining principle and closed our account. However, an autopay was triggered during our closing period on the beginning of XXXX, therefore we overpaid the amount of the loan, we are expecting a refund check of {$4500.00} from SPS. 

We have been waiting for the refund check being mailed to us since XXXX, and called SPS several times. With the COVID-19 pandemic strike, SPS told us on XX/XX/XXXX that the check was delayed due to the pandemic, and assured us that they will send the check ASAP. On XX/XX/XXXX, I called SPS again, and they claimed that the check was sent, but probably missing in mail. They will void the previous check, re-issue a new check, and send it over. 

However, when I called SPS on XX/XX/XXXX, I was told by a customer representative, that according to their cashier 's record, the previous refund check was mailed to me on XX/XX/XXXX, and cashed on XX/XX/XXXX. I did not receive the check, nor did any of my family members. 

After my push to investigate, SPS has been working on an internal investigation about the check, but they refuse to re-issue a check to me because they claimed my account was closed and paid in full. I have escalated the issue several times with SPS customer service department, which provided no help at all, and also to the ombudsman department, which keeps delaying the research they promised to do. 

On XX/XX/XXXX, I have finally see the copy of the cashed check from SPS, but it is clear that someone else endorsed that check and cashed it out. I have submitted a police report as suggested by SPS. 

I have submitted an Affidavit of Unauthorized Endorsement or Altered Items with SPS, and let them forward to XXXX, because SPS is banking with XXXX. SPS told me that the investigation could last several more months. 

To me, I did not receive the fund I was owed from SPS, their records contradicts with themselves at several points, from when the check was issued and sent, to how they would be able to re-issue my refund, and the process has been delayed for so long to investigate what is wrong with their own system. I can not tell if this is an insider misconduct, but from the beginning to the end I did not have my hands on the check that was supposed to be issued to me. SPS and XXXX may have sent the fund to unauthorized party, but it should not be the reason for my loss.
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Account Brokers Inc. (UT)

I made an attempt to settle a debt. I was happy to pay, and thought I had even already paid it, but the three women I spoke to were extremely rude to me and were not communicating with me in a manner in which I felt my money would actually settle a debt. To me, their attitude was not worth {$120.00} that I supposedly owe. I was horrified by their lack of professionalism. They had no interest in working with me to settle the debt.
Consumer complaint received 2022-11-13
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)

The bureaus have not updated the account to reflect " paid in full as agreed '', " never late '' despite the fact I provided a copy of a check that stated the before-mentioned status which was then deposited and cashed by the creditor and hence legally considered an acknowledgment and agreement by both parties.
Consumer complaint received 2020-11-17
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: Partners Financial Services Inc (GA)

" Partners Financial Collections '' ( XXXX XXXX XXXX, XXXX, Mo.XXXX ) on XX/XX/16 unfairly placed on my XXXX  credit report a collection acct. and this company does not have license to operate in Georgia!! They bought this inaccurate, unvalidated, unverified and fraudulent collections acct. # XXXX from another company that also does not have license to operate in Georgia , " XXXX XXXX XXXX '' .. This company entity does not exist and I have never done business with this company!! This acct # XXXX is not my acct..If anyone takes 5 minutes and searches GA.Secretary of State business search website site page, you will find neither one of these companies have license to operate a business in GA!! There was a company called " XXXX XXXX '' but that company lost their license to operate on XX/XX/16 because of financial fraud crimes and '' ironically '' not paying their bills with the state of GA., but they still illegally operated without a license on XX/XX/16 and with wreckless disregard they sold an inaccurate, unverified, and fraudulent collections acct. # XXXX to " Partners Financial Collection '' who also didn't have GA. license to operate either!! Apparently they didn't investigate each other before they both broke the law 4 years ago and destroyed my credit and my life with a fraudulent {$10000.00} collection acct. # XXXX!!! and this fraudulent acct # XXXX is still on my XXXX  credit report!! I have disputed this inaccurate fraudulent acct. with XXXX  and showed them written proof but they have intentionally and maliciously refused to remove this painful, fraudulent, and inaccurate acct # XXXX off of my XXXX  credit report.. Please help me ... Thank you in advance for your thoughtful consideration..
Consumer complaint received 2020-11-17
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

I used to have an American Express Platinum credit card but it was closed a year ago. However, this XXXX all the sudden American Express charged {$50.00} to this closed card. Meantime, American Express never sent me any credit card bill for this {$50.00} charge until XXXX. However, the ridiculous thing was that in XXXX and in XXXX American Express charged {$40.00} and then {$29.00} late fees to my card, without sending me any credit card bill at all until XXXX. Not only late fees, American Express also sent late payment penalty info to three Credit Bureaus and completely damaged my credit reports.

After I received the first bill from American Express last week, I immediately contacted American Express. Then I found out that American Express said that I had a purchase from XXXX last XXXX and then later I returned this purchase back to XXXX. Therefore, American Express charged back {$50.00} promotional credit ( that I received last year for XXXX purchase ) to my AMEX card. However, after I contacted XXXX, what happed was that I NEVER returned my XXXX purchase at all. But instead, XXXX sent me defective hoodie that I purchased, so later XXXX decided to compensate me for this purchase. Very obviously, it was not a return at all.

I explained the whole situation to American Express Executive Office. American Express representative admitted their bank errors of not sending me any bill but charging me those late fees. Their representative Mr. XXXX XXXX credited me back those late fees. However, he was not willing to credit back the {$50.00}, which is not reasonable and total unfair to me.

American Express made three errors here : 1 ) American Express charged me {$50.00} but didn't send me any bill statement. Meantime,
American Express kept charging me late fees multiple times.

2 ) In addition, American Express kept sending late payment due information to three credit bureaus and completely damaged my credit reports ( I lost 15 points in my credit score last month, which never happened in my 20-year credit history before ).

3 ) American Express should NOT charge back the {$50.00} promotional credit to my account, because I never returned my purchase back to XXXX. American Express offer terms and conditions state very clearly that only if the purchase is returned to XXXX, then the promotional credit can be charged back by American Express. However, I NEVER returned my XXXX purchase at all. XXXX sent me credit as compensation of defective merchandise, not a return. 

I must request American Express to credit the {$50.00} back to my card immediately without any delay.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Since the XXXX breach, I am putting a Security Freeze on each of the three credit reporting services. I have not been able to get through the process to set up a Security Freeze on EXPERIAN. The web site takes all the information and then says it ca n't be done on line. I 'm directed to assemble and provide a list of information to the Experian web site at experian.com/XXXX. The web site will not accept this request since I do n't have a report number. I 've obtained a phone number for establishing a Security Freeze : XXXX. But this line is always either busy or it goes dead. Clearly Experian only wants to sell a service with a monthly charge, not set up a cheap Security Freeze. I am concerned about Identity Theft from the breach.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am XXXX XXXX, loyal customer of Bank of America from past more than 5yrs.  I have credit card ending with XXXX and credit limit is XXXX $ for this card. 

I have not used this card much in the last year and i have very less balance and i paid it off up to date. I have lost my wallet last year and when i opened my online account recently i have noticed has been lot of fraud in my account. I have only few automatic transactions which i authorize and rest all is fraud which totals XXXX XXXX Now the balance of my card if over the limit and it is effecting my credit history very badly. 

i have raised fraud claims in XXXX and initially claims have been resolved in my favor and i had a credit in my account. Suddenly all the transactions have been reversed on my account saying i possess the card with me. So the claims have been opened wrong by one of your customer representative. I have been continuously calling to Bofa from XXXX almost every day and you can listen to all call recordings. 

i have reopened the claims and its been more than 90days. I have been talking to so many so many supervisors and asked help. None of them could help me. I am having covid and i am suffering financial hardship very badly. I am waiting for these claims to be resolved so that i can use my card. 

Recently on XX/XX/XXXX, claims have been resolved in my favor and i received letter of same. Not sure how much is the amount of these claims and there is no credit applied to my account. Supervisor XXXX XXXX from existing claims have been helping me and he said he escalated the issue but still there is no change on my account. I am really very very much frustrated with this and I urgently need help with my account. 

Please help me and you can reply me or call me to XXXX for more details. i am not at all happy with Bank of America now and i urgently need help on this. 

Looking forward for reply, Thanks XXXX XXXX
Consumer complaint received 2020-08-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC (TX)

On XX/XX/2020, at XXXX XXXX  I went to PLS Check Cashers located on XXXX XXXX XXXX, TX XXXX to cash my check for {$2900.00}. After a fee ( XXXX ), my total cashback was {$2800.00}. The teller counted it and gave it to me. Once I got home I counted the money and noticed that I was only given {$1900.00}. I went back to ask the teller to count and she refused to count her drawer to see if she balanced. I asked to see the video surveillance and was also denied access. The teller told me to come back once her shift ended. I came back at XXXX XXXX. And was told that she balanced and they had checked the video and everything balance out. This can't be since I am missing XXXX dollars. I filed a police report at their recommendation but nothing has been done. I can not be out XXXX, especially without any help from them.
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX breach and believe some of my accounts were compromised.
Consumer complaint received 2017-06-15
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. (CO)

XXXX   2016  my credit was pulled   XXXX   by a rep for  XXXX   XXXX   XXXX  without my knowledge. The manager said they disclosed it to me but they did not. I do not understand why they lied to me and how they can get away with placing  XXXX  hard inquiries on my credit file. They also lied and said they offered me payment protection, but they did not. I do not understand why they will not tell the truth. Do you think I will waste all this time and go to this extent if they did their due diligence and I was informed of this? As soon as I found out I IMMEDIATELY requested them to stop sending me prescreen offers because I will not open any credit products with them for at least some years if ever again. It is the principle that I was not informed prior of  XXXX  hard inquiries which is a terrible business practice in itself. I do not understand why they pull my credit to open a savings which they require and then again in the same sitting for the vehicle loan which is why I came there.
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (NJ)

Th e Money Source c ontinues to report our  XXXX  payment as over 30 days late. I have paper statements proving that the payment was made and posted on  XXXX / XXXX / 16 . Clearly, the payment was less than 30 days late. T he Money Source agrees that it is incorrect and I have emails from the Vice President stating that,  however, every month it is changed right back to being delinquent.
Consumer complaint received 2017-06-16
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: JPMORGAN CHASE & CO. (MO)

Failure to provide a copy of a signed contract or any instrument bearing my signature.  Chase  only provided photo copies of statements. As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX   Chase should be aware that a printout of a bill or itemized document does not constitute validation. After   Chase investigated this account I was send violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 )   and/or the Fair Debt Collection Practices Act Sec  tion 807 ( 8 ) by not placing the disclosure within the required 30 day period.
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.     ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in sectio n 603 ( p )
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

I 'm a victim of identity theft and you all keep giving someone premission to use my chexsystem info to open and inquiry about new accounts. I need to dispute everything on my chexsystem report because I have n't open or tried to open any accounts. I have a lot of inquires that I did n't authorize.
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (TN)

In  XXXX  of    2016  we were cont acted by First Guaranty Mortgage Corporation about refinancing our home for a lower interest rate. One year later we have a negative escrow account to the tune of more than {$2900.00} and now our mortgage payments have increased more than {$200.00} per month for twelve mon ths. We have paid our mortgage every month on time and refinanced for a lower interest rate only to be punished with a mortgage payment that we can not afford.  XXXX   XXXX   XXXX   XXXX  is servicing the loan and has continually maintained that the problem occurred at closing with the refinance through  First Guaranty..
Consumer complaint received 2017-06-16
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. (TN)

Spoke wit h Equifax over the phone on  XXXX / XXXX / XXXX  about an error on my report regarding a false claim that I owed a medical bill. I was and am still currently on social security  XXXX . Medical procedure was covered, and this was dismissed from court last year,  XXXX .  XXXX   XXXX  is the debtor. They have no claim to this charge as it was fully released. I have proven this with all   XXXX   credit agencies, including Equifax. Equifax removed the false court judgement after investigating, but left  XXXX   XXXX  as a current collections account. This is the same collection account. It should not have been duplicated on the credit report. They agreed after investigation to remove it, but only removed half. Now, they told me I had to reopen a dispute on  XXXX / XXXX / XXXX  for the incorrect information that they already agreed to completely delete, so that I have to wait another 30 days.
Consumer complaint received 2017-06-16
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. (IL)

XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same  Student  loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.  XXXX  has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   XXXX  . I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   XXXX   XXXX   XXXX  .