davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OR)

My son was to have a minor checking account with a parent. The Credit Union opened a regular checking account for the minor which allowed high dollar fraudulent transactions to take place. Upon disputing with the Credit Union, legal representation was necessary. The result was neither party was at fault/took responsibility. Because of that determination, nothing was to be reported. The Credit Union was paid in full and suffered no losses. The existing report should not have been made and I was only made aware of the existence today.
Consumer complaint received 2022-10-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (NC)

In reference to complaint XXXX which includes the details of the account, American Education Services violated the Fair Credit Reporting Act by continuously harassing me with debt collection calls after receiving a cease and desist letter and debt validation request, and did not provide *any* documentation within the 30 day period after receipt of the request. 
They broke federal law. Period. The CFPB is the entity responsible for upholding these laws. Period. 
Both AES and XXXX have still failed to provide legal proof of ownership of my loan, and the PHEEA investigation even stated that the " documentation no longer exists. '' The CFPB SUED XXXX FOR THIS VERY REASON. 
https : //www.consumerfinance.govXXXX  There is legal precedent that the CFPB proved in court that XXXX was unable to produce the documentation that they are legally required to have in order to legally collect on the loans. 
This is exactly what's going on here. I have been asking them to produce the documentation for 2 years. They keep sending me the original promissory note, from XXXX XXXXXXXX XXXX, which does not prove that XXXX owns it. They have failed to prove anything. 
Again, AES broke federal law, and should be held accountable. 
XXXX is trying to fraudulently collect on a loan they do not own, until/unless they can legally prove otherwise, which is a REALLY SIMPLE REQUEST and should not take over 2 years to fulfill. 
I am not satisfied with their responses, I am not about to take AES breaking the law and harassing me sitting down, and I'm a little disturbed that the CFPB doesn't seem to care that both of these companies are in violation of the laws the CFPB is responsible for upholding.
Consumer complaint received 2023-09-06
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: Fidelity National Information Services, Inc. (FNIS) (IL)

I received a copy of my Chex Systems and XXXX XXXX XXXX consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with Chex System and XXXX XXXX XXXX they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX  XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by XXXX  XXXX XXXX. On XX/XX/XXXX  I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (AZ)

I have spoken to United Collections Bureau Inc regarding a bill sent to me for medical provider services. I explained to them that I have insurance that was never billed. They told me that they sent the information and it was returned. I called them on XX/XX/XXXX and explain that my insurance company was never billed. All they wanted was for me to pay. I asked for the information on the company that sent it and an itemized bill. I was told that they dont need to provide that to me and I needed to " XXXX XXXX it. I finally found the originator XXXX XXXX XXXX and they said because they had a bad home address they immediately sent it to collections and can not do anything to help me. The date of service was XX/XX/XXXX 6 months ago. I can not get them to bill my insurance to satisfy this bill and they refuse to do anything except ask for money to satisfy. I have spent 5 hours on the phone trying to get someone to do something and just get harassed and no effort to resolve/submit billing
Consumer complaint received 2023-01-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been Chase customer for over XXXX  Years. I started with them when they XXXX XXXXXXXX, then XXXX, then Chase. In XXXX of XXXX, Chase sent me a promotion by email telling me that if I visited a branch by XX/XX/XXXX and followed the steps outlined in the attachment, I would qualify to become their private client. I visited a branch and opened a new account on XX/XX/XXXX. The understanding was that after leaving the qualifying amount deposited for XXXX  days, they would credit the account with a {$2000.00} bonus. At that time, they must have known that they were going to close my savings accounts. I had a checking account, credit cards -- which they closed in XXXX of XXXX, a premier savings account, a mortgage, and the account that qualified me as a private client, account # XXXX. Chase kept my money on deposit from XX/XX/XXXX and on XX/XX/XXXX, I received a letter from Chase notifying me that they had decided to close my accounts. XXXX days later, I received another letter telling me to ensure I withdraw all my funds by XX/XX/XXXX, XXXX weeks before the account would be eligible for the {$2000.00} bonus. That is a shady and dirty way to treat depositers, especially XXXX who was loyal to Chase for over XXXX  years.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number XXX-XX-XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX Northside XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NE)

I have a public record of XXXX  XXXX XXXX  on all three credit agencies that has been discharged for a little over 2 years. I would like to see that removed. 
Also I have Westlake financial and XXXX XXXX  that was on that XXXX  XXXX XXXX  that's still on my report ( s ) I need taken off.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (GA)

To Whom It May Concern : It has been brought to my attention that { HIRE RIGHT } has listed { negative listing } on my file. To my knowledge, I have never had no tickets or accidents on my license therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { HIRE RIGHT } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that any DUI, OPEN CONTAINER, POSSESION OF HAND HELD DEVICE, SPEEDING ETC, be permanently removed from my HIRE RIGHT report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

Someone opened up fraudulent accounts with XXXX XXXX resulting in collections for two accounts in the amounts of XXXX and XXXX reporting ad a collections on my credit report resulting in damaged to my credit score
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Business Financing Corporation (VA)

Hi I'm XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Recently we decide to switched our factoring company to another and find some issues regarding of debt. It was the process to transfer your documentations, reports from one financial institution to another. And our potential factor company fined the XXXX debt of {$17.00} and nobody didn't know about that ether us, ether our current factoring.. So after my attempted to connect with them, they send me the contract which I attached to you below, this contract on my name, on my company but I have not idea what is that from and where they appear. So in result we can't move to new factoring company with those XXXX debt and already sign the termination letter with our current factoring ( which have not idea what is the debt from ).. 
The new factoring advise me to find the company who basically can help with disputing or relief programs. 
Please advise what I can do and what I should provide else to start that process. 

Thank you XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MD)

I have tried for XXXX years to get rewards for my credit card. I specifically applied for the credit card for its reward feature. To date, despite spending over {$420000.00}, I have received {$0.00} in rewards. According to the credit card offer, I was supposed to receive " % XXXX back on eligible XXXX purchases and also earn bonus rewards by purchasing select items on XXXX. '' I called the synchrony bank to complain about the rewards not being added and they suggested that I call XXXX. I called XXXX and they said that I call Synchrony Bank. I called Synchrony bank again and they sent me a letter stating that I needed to sync the accounts. The problem is that the instructions are not possible to follow because the links in the instructions are not available in my online account. I simply wish to receive my rewards as promised by XXXX and Synchrony bank. I have other credit cards that I could have used on XXXX that would have resulted in rewards.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (KY)

I made a transfer on XX/XX/22 before noon I was told Funds should be available by the XXXX. The funds as of today XX/XX/22 are still not available. The company did lied to me about the problem the first time I contacted them. They promised I would have the funds during the day XX/XX/22. I did not receive them. I contacted them in the evening of the same day and was told it was an internal glitch and that I should have the funds by the morning or they would reach out to me. I did not have the funds in the morning. When I called to ask where the funds were they told me to check the app that the transfer had happened. But it had not. It was not at my bank nor did it say completely on the app. I asked when I could expect the funds and they really did not answer my question. When I asked why they didnt contact me or if they were going to compensate me in any way I was told they werent going to do anything for me.
Consumer complaint received 2023-01-25
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: FIRST PORTFOLIO SERVICING INC (CA)

I use XXXX XXXX XXXX and was notified that someone used my info and credit for a hard inquiry to this company : XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX when i tried to call the number a few times and left messages I got no return calls back. I need to file this dispute with FTC so that I can fw the request to XXXX to have the inquiry removed. 

I have since froze my credit until I can get this rectified.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

update : They refuse to respond to the state of maryland whose has approved HAF. They keep lying and pretending Maryland never contacted them repeatedly. 

original complaint : My Mother, a senior in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. She applied for HAF funds several months ago. In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. I caught this error before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a senior with a perfect XXXX credit score a 40 year mortgage. Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. They need to be monitored and investigated asap. Since first contacting Consumer Finance, Shellpoint appears to have committed fraud in the state of Maryland by lying to the Maryland Homeowners Assistance Fund which has caused a denial of a XXXX loan. They claimed that my Mother was in a modification with them and that she's not eligible for HAF loan. So they will make up total lies to undermine homeowners form receiving HAF funds.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

The Venmo user interface places the " pay '' and " pay recipient '' from the selected account in the exact same touchscreen position, creating opportunities for errors and unauthorized transactions. In my case, the touch interface registered " pay '' and " pay recipient '' from a single touch before I could select which account to use. 

As a result, Venmo withdrew money from my bank account ( without true authorization ) rather than using a preferred credit card. I immediately tried the cancel button, *which did not work*. 

The recipient sent the money back to me in Venmo within minutes, and I initiated a regular bank transfer request to refund the money back into my account on XX/XX/XXXX. I received a message that the transfer would complete on XX/XX/XXXX. 

As of XX/XX/XXXX the transfer has not appeared, so I reached out to Venmo who informed me that the transfer was supposedly initiated on XX/XX/XXXX and that it could take another 5 days from this date for the money to appear. And if the money has not appeared to reach back out in three days. 

At this point, I will have been out {$750.00} for at least one week -- up to possibly two weeks for a single 30-second transaction error brought on by the product 's design / interface. 

I am concerned that the product design of Venmo is specifically intended to facilitate these errors and unauthorized transactions ( especially noting that their cancel button does not respond ) and to drive revenue via their " instant transfer '' feature, which requires a fee. 

The incentives are misaligned to assure a good experience to the consumer.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America continues to fund fossil fuel growth. Fossil fuels are the number one cause of climate change. Climate change is raising our oceans, killing biodiversity, and threatening our food security. 

Between XXXX and XXXX, Bank of America provided {$230.00} billion in lending and underwriting to the fossil fuel industry, fourth among global banks. Over that period, the banks top fossil client was XXXX XXXX, with {$15.00} billion in lending and underwriting provided ; XXXX was also Bank of Americas top fossil client in XXXX, with {$1.00} billion in financing. XXXX is the # 4 upstream oil and gas expansion company in the world. 

The science is clear that achieving net-zero financed emissions by XXXX means stopping funding for the expansion of fossil fuels. Reducing emissions intensity while increasing financing for the fossil fuel industry and overall financed emissions is utterly insufficient to achieve that target and contribute to a climate-stable future. Investors are growing increasingly frustrated with the gap between the pledges Bank of America and its peers are making and the reality of their plans. This shareholder season, they will be holding them accountable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX history of climate leadership and then unveils XXXX emissions targets which are intensity-only, fully compatible with increases in absolute emissions and massive expansion of fossil fuels, especially expanded extraction of fossil gas, said Rainforest Action Network Senior Climate and XXXX XXXX XXXX XXXX XXXX. Bank of Americas intensity-only targets, which lag well behind XXXX and XXXX best practice, put it firmly on the side of climate delay, when time is quickly running out to cut absolute emissions in half by XXXX. 

Enough greenwashing from Bank of America. There is no more time for lip-service. We must end the use of fossil fuels as quickly as possible and Bank of America must do its part by divesting from all fossil fuel projects.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 the 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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
Chapter XXXX Bankruptcy 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following inquiries being reported by XXXX, XXXX and Transunion were not authorized or with my consent. This is a clear violation under the FCRA sec 604. 


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
Consumer complaint received 2023-06-21
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. (MS)

I have been disputing with Equifax about accounts on my report that are reporting inaccurate and unverifiable information on my credit report. This issue has been very detrimental to me and my family by defaming my character and causing me not to be able to purchase a house for my family. My last dispute was on XX/XX/2023, and I also wrote to them on XXXX. I have not received XXXX response back from them verifying this inaccurate information. There are several violations on my credit report, and know for a fact that they are to be reporting to the maximum accuracy as possible by law. I have also requested to know all the steps the agency took to insure those items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification. The accounts are XXXX Number : XXXX, XXXXAccount Number:XXXX XXXXAccount Number : XXXX, XXXXAccount NumberXXXX, XXXX XXXX XXXXAccount Number : XXXX, XXXXXXXX  Account Number : XXXX, XXXX Account number : XXXX, XXXXAccount Number : XXXX, CXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX