davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

TAKE NOTICE that I, XXXX XXXX XXXX, homeowner, hereinafter homeowner am writing to notify you AGAIN that SELECT PORTFOLIO SERVICES hereinafter SPS and XXXX XXXX XXXX  XXXX   XXXX/XXXX  XXXX hereinafter INVESTOR are injuring me and causing me distress, trauma and fear. SPS has been continuing to send me mail, harassing me about a contract that does not exist and now SPS just sent a letter that SPS is assigning this contract to a law firm for potential foreclosure. 
Homeowner has sent XXXX, SPS and Investor by certified mail return receipt : 1. Rescission Notice : 1st, 2nd, and Final Notice 2. Notice of Default and Dishonor 3. Notice of Injury 4. Conditional Acceptance Notice 5. RESPA Letter Respondent failed within the days allotted to Respondent after the initial communication with Claimant in the collection of the assumed debt the following : a. The true amount of the debt b. To whom the creditor the amount is owed c. a  statement that the Respondent obtained verification of the debt or a copy of a judgment against the Claimant and a copy of such verification or judgment will be mailed to the consumer by the Claimant d. Respondents failed to cease collection of the assumed debt, and all other disputed parts of the assumed debt Respondents continues to communicate with Claimant without being requested to do so by erroneous and incomplete names and address ; and Respondents without the prior consent of the Claimant given directly to the Respondent or the express permission of a court of competent jurisdiction, Respondents continue to attempt to communicate with Claimant with the collection of an assumed debt ; and Failed to properly respond and honor first Notice of Injury dated XX/XX/2019 ; and The note and mortgage separated one or more times ; these predicate possible unlawful business acts and/or practices might include, but are not limited to, the following : Actual Fraud, Constructive Fraud by Omission, Deceit and Deceptive Practices ; and Claimants rescission of the contract is/was based on the fact that the consent was given by mistake, and obtained through duress, menace, fraud, and undue influence, exercised by or with the connivance of Respondent ( s ) as to whom Claimant rescinds, and of any other party to the contract jointly interested with Respondent I need them to cease and desist. I am also taking legal action against SPS, XXXX XXXX, XXXX and all these banks/servicers/investors, et al REGULATORS, who turned a blind eye to my stressful situation as homeowner. Nine-Tenths of the law is possession and I have possession and the property is SECURED. Please tell them to stop and respond to me ASAP so I can know if these injuring parties have been dealt with by the regulators. Remember what happened and is happening to XXXX XXXX.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Securus J Holdings, LLC (OK)

Jpay services has been charging us huge fees to transfer money to our loved ones, to load our accounts with emails and stamps. Some of the fees and taxes don't show up in your transaction history so that you wont have proof of the total amount charged.
Consumer complaint received 2022-12-31
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XXXX I sent a letter to Bank of America explaining we are having financial difficulties and being retired the health expenses have been increasing. I don't want to ignore my two account balances but I need to reduce the interest rate from 15.99 and 22.00 % to zero and lower the monthly payments at least for a year. 
They told me they do not have any program available and referred me to a consumer credit company, I contacted them but the offer was unacceptable as they intended to increase my monthly payment, which I can not afford.
Consumer complaint received 2020-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (WI)

I have not received any bill in the mail or a phone call or email from XXXX XXXX XXXX XXXX regarding any debt whatsoever. I have received suspicious phone calls from various numbers that I assumed were spam because the only message that was left was a robo-voice saying " at your earliest convenience, thank you ''. Nothing regarding what it was about, etc. I received these robo-messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. Then I got an email ( XX/XX/XXXX ) regarding my credit score saying that I have an outstanding debt that is bringing my score down. I went to check and it says that I owe XXXX XXXX XXXX  XXXX   {$300.00} and they are sending Credit Management Control ( debt collectors ) after me for it. This is the first I am hearing about any owed payment to them. I have not been to XXXX XXXX XXXX  XXXX since XX/XX/XXXX. The last message I have from them is from XX/XX/XXXX reminding me of that upcoming appointment. I have not once received any bill in the mail or had them call me about an outstanding bill. Furthermore, I had insurance that should have covered the services. But yet again, I was not contacted by them to sort out the situation. The fact that the first I am hearing about this is through checking my credit score is ludacris.
Consumer complaint received 2021-03-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX Re : This Letter is Sent to Remove Inaccurate Credit Information from My Credit Report To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately please :
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have complained to Eqifax and field disputes with them. It has been brought to my attention that duplicate entries are on my credit report double jeopardy. I will give an example, I have a delinquent XXXX account in the amount of {$500.00}. Under XXXX on my credit report it reflects that XXXX closed the account and has written it off. Really in fact what has happened is XXXX has sold this account to a third party collection firm. XXXX XXXX there is also a delenquinant account that is the same XXXX account now under a different third party ( FRAUD )! I have contacted Exifax about this. They claim this is legal under the Fair Credit Reporting Act, there is no way this practice is ethical. It is defamation of my character when a creditor looks at my credit report they see duplicate accounts not knowing it. I suggested to Equifax that they need to fix this. This collections account should be listed under XXXX somehow not as a separate account, I have never promised to pay the third party. I would hate to think how many American citizens are unaware of this practice. This needs to be taken care of if I do not get satisfactory results from this complaint I will take this to my Congress Representative for further action. 


Thank You XXXX XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XX/XX/XXXX, I received a text message from Bank of America asking if I had authorized a transaction. I replied " No '' and then- over the day few hours- saw a few different ATM transactions get posted to my account. I did not get a verification text for all of these transactions. I did not authorize any of these transactions and immediately called the bank to report fraud on my account. I also froze my credit report and filed a police report on XX/XX/XXXX. 

I was given a provisional credit while the investigation went on. Finally, in XX/XX/XXXX, the bank reversed the provisional credit stating that I did perform the ATM withdrawal. At this point my checking account had a negative balance because of the reversed credit. I asked the bank if they knew the ATM location where the withdrawal happened and they did not answer. I asked if there was photo evidence or video evidence of me withdrawing the cash and they said they were not authorized to share the evidence. I asked if they had responded to the police report and they did not respond.

I didn't make the ATM withdrawals and Bank of America was not able to show me any evidence that I made the withdrawals they are holding me accountable to. They also did not send me text verifications for all of the unauthorized transactions. Finally, before the dispute was resolved, Bank of America closed my checking account without my permission and I can no longer view any of the old ATM transactions that I have been disputing for months.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Creditor : XXXX XXXX XXXX XXXX XXXX Collection Agents : COMMONWEALTH FINANCE Debt : {$1200.00} I am a recognised victim of Identity Theft due to Stolen Identity which has comprised my identity and due to the effect of the XXXX  breach. Over a year ago an Identity Theft Affidavit was filed with the FTC along with supporting documentation which included my police report of the incident were furnished via the disputing process and the creditor and the 3 credit reporting agents were informed of the process. The creditor ; and the 3 ( CRA ) complied but have to date stated that they have revalidated and are re-reporting this account that was fraudulently opened due to Identity theft. The creditor, XXXX, XXXX  and XXXX have disregarded the 605B rules set forth in the supplied guidance document provided which dictates the rule set by the FCRA and is not in compliance.
Consumer complaint received 2023-03-05
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I transfered money to an account with Bank of America and it turned out to be fraud. Bank of America refused to compensate me at all even thought they are at fault too. It was {$1000.00} on XX/XX/20 and {$4300.00} on XX/XX/20. No action was taken by Bank of America at all. They are not taking care of their customers at all
Consumer complaint received 2022-12-31
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. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I make my payments about 10 days after the due date, therefore incurring {$15.00} fee each time. Even though it NOT 30 days past due. However, I still pay the fee by including it in my total payment adding it to my normal monthly principal and interest charge. However, Ally does not separate it out, nor do they have a process to mark it online or over the phone as including an extra {$15.00}. Instead, they keep applying the {$15.00} late fee to the principal and interest every month. Therefor, rolling over late fees every month as if I've not paid them when i have. 

I've tried explaining this to Ally on several occasions. They need to do a reallocation month over month. I've spoken to someone in XX/XX/XXXX, Spoke to XXXX on XX/XX/XXXX Ref # XXXX and XXXX in XXXX Ref # XXXX his employee id is XXXX. They continually state that because of the new year, and their system issues, they are not able re-allocate it in real time and then my request gets lost. They are not able to fix this while on the phone, they state they need to put in a special request and they " notate '' the account. This latest time, on XX/XX/XXXX, I just paid all the fees ( again ) along with my normal payment. The total paid on XX/XX/XXXX was {$690.00}. Then on XX/XX/XXXX they charged me an additional {$15.00}. Mind you, I have never been 30 days late on payment. Lastly, customer service is horrific. They don't listen, they only repeat their pre-arranged scripts and they make you wait on hold for over 20 - 30 minutes to talk to a manager. Each time i have called, i have had to explain the situation over and over again because I'm sure they didn't notate the account, and only told me they did. They fight with you telling you that you are wrong. They don't do as you request, even when only asking to speak with a supervisor or manager.
Consumer complaint received 2020-03-15
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. (NY)

I was recently denied a lease for an apartment I'm assuming for the following reason. 

XXXX  is currently reporting : XXXX/XXXX XXXX XXXX account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.
Consumer complaint received 2022-12-31
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

Hello, I've paid what I could the last 13 years and my loan has yet to show for it due to high interest rates. The principal of the loan is XXXX and i paid well over XXXX 've been deceived by my Navient private student loan about requirements with XXXX on-time payments to release my co-signer ( my father ) from the loan and steered toward repayment plans that resulted in borrowers paying more than other options.I can't move improve my financial situation with this loan. I'm married and have XXXX children. I want to get a house but This enormous debt would make it very difficult to get. My federal loans were discharge due to my college being closed for being a profit college with false pretenses. I received refund of the payments XXXX XXXX need help if possible, Thank you.
Consumer complaint received 2020-03-16
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

Upon upon doing research, it appears that I may have in fact had a past relationship with Fifth Third Bank a few years ago. 
I believe I may have had a past credit card account ( ending in XXXX ) with Fifth third bank a few years ago, then another credit account ( ending in XXXX ) was later opened. Im not sure how. Thousands of dollars have been charged on 1 or both of these accounts. Me and my brother have tried to refer both accounts to the Debt consolidation program ( XXXX ) in which I was advised that they ( XXXX ) would not be able to add the latter. 
I am attaching a screenshot below. 

I believe 1 or both accounts was opened by fifth third bank without my authorization. 
I would like a refund for both cards.
Consumer complaint received 2020-03-05
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. (AL)

I've been trying to resolve the multiple hard inquires on my credit report that I did not authorize. Ive recently put a freeze on all 3 credit reports because my information has been used to apply for auto loans, cash loans, credit cards, etc without my consent. The Credit Bureaus ( Equifax, XXXX, XXXX  ) are neglecting to address and verify the inquires properly. Ive tried contacting the creditors and they all informed to me directly dispute with the credit bureaus however they are not willing to work with me. The representatives have been very rude and some have even hung up on me. This has been an extremely stressful experience and I just really want this resolved.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

i have disputed sps on several occasions from ridiculous mortgage hike, proof of lenders base insurance and unpaid property taxes. my taxes have been part of my escrow account for over 10 years. 

once again we have the issue of unpaid property taxes. so i reached out to the ombudsman department again on XX/XX/XXXX. because back in XX/XX/XXXX and XX/XX/XXXX i was assured that all taxes was paid and current. 

however, XX/XX/XXXX i pulled the deed to my residence and was shocked to see a forfeiture on my property place by XXXX XXXX treasurer for unpaid XXXX property taxes. i immediately contacted sps ombudsman department the next business day. speaking with a young lady i believe to by the name of XXXX. 

she stated she will need to get permission to seen me a email for me to attach my document for review. 

after a few days i received the email and i did just that. i then received a call from XXXX stating my document was received and would be forwarded to the appropriate managing department for resolution. she also stated if i gave them a few days anyone should be able to give me the results / resolution. 

its now been over 30 days and ive yet to receive any resolution. and the company is still reporting negatively on my credit with all three bureaus.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

I sent a request for verification of debt to GLA Collection Co. Inc. in XX/XX/2019 after discovering two collections on my credit report. I notified them that I disputed the debt and requested that if insufficient evidence existed that the debt was my responsibility that they should notify the credit agencies and any other relevant financial institutions. They did not send verification of the debt, and my credit report from this XXXX still lists both collections.