davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Sunday XX/XX/2021, I had a fraudulent, unauthorized transaction of {$490.00} appear on my bank statement. The charge was from a sports betting website called XXXX based in XXXX XXXX, CA. I have never heard of this site in my entire life as I do not gamble. I went out of town the weekend of XX/XX/XXXX to the XXXX, and the only time I used my debit card was at a gas station in XXXX. The address of the XXXX was XXXX XXXX XXXX in XXXX, CA. I noticed the charge at XXXX a couple of hours later after leaving the XXXX. After noticing the charge, I immediately locked my debit card and tried contacting the " 24 hour customer service '' line at Bank of America. They did not answers after 30 minutes of waiting, so I went to Bank of America the next day. On XX/XX/XXXX, an email was sent to me at XXXX that my debit card was trying to be used in XXXX XXXX , Missouri . Luckily, I had locked my debit card the previous day. I filed my first fraud claim with Bank of America on XX/XX/XXXX and received a {$490.00} credit to my account on XX/XX/XXXX. My claim was denied on XX/XX/2021 claiming that the charge was authorized by me or someone who has the permission to use the card of account. However, I did not authorize this charge and no one else has access to my card or account. On XX/XX/XXXX, I had a meeting with a bank teller to reopen the claim and to provide the evidence that someone tried using my card after I locked it. On XX/XX/XXXX, my claim was denied again because Bank fo America said I or someone I know authorized the {$490.00} charge. Bank of America withdrew the {$490.00} credit from my account, and my issue still has not been resolved.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (OH)

I wrote EOS CCA ON XX/XX/21 asking for validation of a debt. They never sent validation and also put on my credit report that I disputed the debt. I called them they said they received the validation letter on XX/XX/21 and was not required to to send me validation.
Consumer complaint received 2019-12-30
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. (CA)

A public record is reported Discharged CHXXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous information?
Consumer complaint received 2021-08-27
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: SELECT PORTFOLIO SERVICING, INC. (GA)

In XX/XX/XXXX when the pandemic shutdown was announced I notified my mortgage company Select Portfolio Serving Inc that I had concerns about paying my mortgage because being self employed, my client ( a prom attire store ) knew his business would collapse for the XXXX season. I was advised that I would not have to make mortgage payments for the months for XXXX. I did not make those payments and SPS reported to all credit bureaus my account as current for those three months. 

For XXXX as the pandemic continued, I continued my contact with SPS and I was repeatedly told that I did not have to make payments. However for XXXX SPS reported my account to all three credit bureaus as " Unknown. '' For XXXX I entered into a modified agreement paying {$290.00} per month. I was advised by SPS that had I to make all the payments by the 1st of the month, if not, my home would be turned over for foreclosure. I made all 4 payments on time yet SPS reported " Unknown '' to all the credit bureaus for those 4 months. 

SPS notified me that I needed to enter into another modified agreement for the months of XXXX to pay {$850.00} per month with the same conditions of timely payments. Again, I made all four payments on time but this time SPS reported to the credit bureaus XXXX & XXXX as *Current*, XXXX & XXXX as *Unknown* I entered into the final modification in XX/XX/XXXX. I have made all payments on time and XXXX has been reported as current. 

I have now contacted SPS on 2 separate occasions about the inconsistent reporting of my account to all current bureaus but to no avail. Both of my letters were successfully uploaded to their website. I have contacted SPS last month to request an old tax document. SPS was timely in their response ; however, they refuse to address the inaccurate reporting on my credit report.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies TransUnion, XXXX, and XXXX.
Consumer complaint received 2021-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: STATE EMPLOYEES CREDIT UNION (SC)

I got a salary advance loan from The state employees credit union in XXXX North Carolina in XXXX being that I paid my old balance off from XXXX so they say. They are still reporting that I owe them {$140.00} but in XXXX I receive more than one advance which was paid in full every time they will not give you another loan if you owe them money. When I reached out to someone today at the bank he told me that he would direct me to XXXX the district manager of the bank but he never called me so I spoke to XXXX and emailed him to let him know whats going on he called me back saying that My loans were {$300.00} but that was incorrect my loans were only XXXX $ The bank took {$20.00} of the XXXX witch left me with {$180.00} I dont know where he got the extra XXXX $ from I feel that they are trying to scam me out of more money and I need someone else to look at this before I pay anything because they making my credit look bad on purpose and they know it
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

Chase has committed several errors related to my mortgage loan # XXXX and I request they conduct a reasonable investigation and correct these mistakes immediately including : They have falsely and incorrectly claimed that I am behind on this mortgage when I have made every payment that is due under the terms of my loan. I have made on-time payments on the loan since I took the mortgage loan and have made direct payments to Chase and its predecessors from my banks bill-pay system from XXXX, 2020 through XXXX 2020. Chase is reporting contrary, negative information to me and the credit reporting agencies that is false and deceptive. I have provided proof of payment to more than one person at Chase, most recently XXXX XXXX, escalation supervisor. I have been told repeatedly that Chase is relying on information provided by XXXX ( the predecessor to Chase ). I have provided proof to Chase that XXXX XXXX records are incorrect, including most recently a letter from XXXX admitting the errors I have pointed out and confirming I was up to date when the loan was transferred to Chase. 

Chase is currently reporting to the credit reporting bureaus that I am late on my mortgage payments when I have paid all the mortgage payments due on my loan to them and their predecessor. I have also received repeated calls from Chase 's Account Services requesting payment for the alleged late payment. Chase is aware that the records they received from XXXX  are inaccurate and they should correct them without further delay and to report that inaccurate information into the data marketplace by the credit reporting agencies..
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I sent a certified USPS letter ( XXXX XXXX XXXX XXXX XXXX ) to Transunion informing them that the closed XXXX  account ending in XXXX had late payment for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I informed Transunion that those payments were not late, and the account was reporting incorrectly. I also sent Transunion copies of the my XXXX bank statement ending in XXXX, for the above mentioned months, showing that XXXX was paid {$2800.00} for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Transunion has ignored the proof that I sent them, and has not updated my credit report. 

Please find attached copies of the letter sent to Transunion via USPS certified mail along with copies of XXXX bank statements.
Consumer complaint received 2024-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Services, Inc. (CA)

I noticed a collection account on my credit report. I called the phone number listed in the credit report. A woman replied the following morning. I spoke to her to gain knowledge of the debt this company with the name of Account Management Service 's was attempting to claim an amount owed to them of {$31000.00}. I inquired upon which medical facility was this collection account associated with a company named XXXXXXXX XXXX I had received services from this company and paid this bill in full while receiving treatments, I called to confirm this immediately following the phone call from this Account Management Services. XXXX XXXXXXXX confirmed I had no remaining or out standing bills to this facility. 
I then called my legal counsel and he confirmed as well to be on the lookout for a company named XXXX. XXXX XXXX who at one point in time provided lien upon settlement for medical treatment I received from injury I experienced in an automotive accident many years ago. I actually spoke with this company in XXXX and they confirmed that I did not owe this company for their services due to the fact there was no settlement on the auto accident, my attorney also stated that any attempt to collect funds is " Time Barred '' over 4 years have passed to even attempt to collect this debt is beyond the legal parameters. 
I spoke with Account Management Services on Wednesday XX/XX/XXXX which is the same phone conversation I mentioned earlier. The company Account Management Services is not listed as a company licensed within the State of California in the United States of America as a Debt collection company. I confirmed this on dfpi.ca.gov the State of California Department of Financial Protection & Innovation website to gain information about I assume a fictitious business attempting to illegally extort or steal money from individuals. 
I have experienced credit damage, loss of residence and employment opportunities and this is continuing to be my experience with the damage I've incurred from this debt collector and the unlawful fabrication of debt as well as emotional distress I am experiencing. 
I am submitting this to One clear my credit report of this damaging conduct and Two I hope these criminals are prosecuted and incarcerated to prevent this type of theft, Larceny or Extortion from happening within any other persons life. 
I don't know if there is an association between these Two companies but suspect Account Management Services to be acting as an unlawful extortion operation.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

Nationstar DBA Mr. Cooper auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XX/XX/XXXX I was contacted by Nationstar DBA Mr. Cooper by phone asking if I wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from Nationstar DBA Mr. Cooper that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted Nationstar DBA Mr. Cooper and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that Nationstar DBA Mr. Cooper stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. Mr. Cooper issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, XXXX, XXXX  and XXXX but Nationstar DBA Mr. Cooper has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by Nationstar DBA Mr. Cooper. I have personally contacted all 4 Credit Reporting Agencies and learned that Nationstar has done nothing to remedy this situation.
Consumer complaint received 2020-12-31
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: Experian Information Solutions Inc. (OH)

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-31
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. (OH)

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Partners Financial Services Inc (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (IL)

My balance was paid in full On XX/XX/2021. My confirmation number is XXXX. I paid a total of {$1200.00} which was a 20 % discount for paying in full. I have contacted Medicredit with no help. I have also disputed this with you guys with no help.
Consumer complaint received 2020-12-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (KS)

I have gotten a loan a month after covid happened. I was expected to make payments on the loan waiting for unemployment. I was approved for unemployment and have gotten a check. I made 1 payment to my loan then unemployment stopped paying me without any letter or call to me. Months later I still file every week but still no other payments made to me. I have called unemployment numerous if times can't get any answers. After filing each week for unemployment 8 months to this date I haven't recieved a payment it shows they owe me XXXX but hasn't sent any monetary funds to me they know it's a pandemic and 8 months without any funds causing interest on my loans and harassed daily by the company to repossess my vehicle after numerous of times letting them know of my economic hardship. Please help