davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want XXXX and Bank of America to be sued for monies given to them by the US Government and all business cut off from them by the U.S. Government. They are taking a political stand that doesn't represent the US Government or the 2nd amendment. I am sick of it.
Consumer complaint received 2023-01-04
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

I sent a domestic wire transfer from my Chase account to another Chase account. Chase did not follow my wire instructions and sent the funds to a FOREIGN bank instead. Chase will not return the funds and has no explanation for this failure to deliver the funds as instructed.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report :
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit report recently after not using it for years, I noticed accounts reporting that I never applied for. I have not used my credit for years now yet there are accounts that are reporting under my name which I never authorized myself. I believe that someone has used my personal information to open these accounts. 

The following accounts are not mine, were opened fraudulently, and should be deleted from my credit report : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}
Consumer complaint received 2022-05-03
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. (PA)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: URS Holding, LLC (MO)

Receive around 14 calls a day from them. Spoke with a gentleman named XXXX at extension XXXX he advised they had already sent out statements and proof of debt what more did I want. Just pay the debt. I have not received one thing from this collection agency, not even a letter showing they have a right to collect. XXXX was very rude and abusive towards me. I spoke with my son and advised him this debt did not belong to me. He helped me fill an identity theft report and I sent a letter to this collection agency today along with my FTC identity theft report.
Consumer complaint received 2018-10-12
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: SYNCHRONY FINANCIAL (MS)

I noticed a fraudulent account on my credit report. Prior to learning the correct process to have issue corrected I submitted a letter to Walmart/Synchony please see below : Enclosed is a check for the alleged balance for the above mentioned account. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX & XXXX XXXX and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

Upon cashing this check you have 30-days to comply with the above. 

Notice to principal is notice to agent, notice to agent is notice to principal. 

I mailed check # XXXX for {$520.00}. This check was cashed on XX/XX/2018. Since the check was cashed you agreed to the terms of the letter and the terms written on the check. Please remove and and all derogatory reportings from all three credit bureaus.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX and Equifax have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, and Equifax and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (FL)

XXXX XXXX incorrectly report a balance in my Report. I have asked XXXX, XXXX  and Experian to investigate. After an investigation XXXX  and XXXX  removed it but Experian left it. I called Experian and requested that they validate the debt I never acknowledge that I owe this company as they are trying to bill me 2 month of rent for not renewing my contract with them. They were aware I was not going to remove my contract and I paid them before I move out. I filed a complaint against XXXX XXXX with CFPB, they are not answering as they are trying to force me to pay XXXX. I am filing a complaint against Experian as they are not doing their due dilligence to validate the debt. I want to know how they confirm that I owe this collector XXXX. When I did not have a contract with them and I never agree that I owe them and I paid them at the end of the lease.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

AmSher Collection Services is erroneously reporting to the consumer credit reporting agencies ( i.e. XXXX, XXXX ) that I have an account in collection regarding XXXX. 

I have had several debt collection agencies call about this, including one in Alabama claiming to be from the " XXXX XXXX XXXX XXXX XXXX. '' Apparently this is some skeezy law firm connected with AmSher. I explained to the collector there, I was XXXX XXXX military and assigned to a XXXX in XXXX. I discontinued service with XXXX at that point. I received a {$0.00} balance letter from them. I switched carriers. Somehow, some way, XXXX sent a " debt '' for collection. 

I have also talked to AmSher and explained the same. I checked my credit reports and I don't see the item having been removed, or even so much as AmSher reporting the account " disputed, '' which, when I talked to a consumer rights attorney, said that alone violated the FDCPA. When I spoke with AmSher, they told me a needed a confirmation number for payment to XXXX. I contacted XXXX AGAIN to verify the {$0.00} balance with a confirmation number. They, ONCE AGAIN, verified that I owed them nothing. I passed this number along to Amsher who then refused to accept this fact and continued to report the debt to my credit. I have done everything in my power and more to get this situation fixed and Amsher is simply refusing to do what's right. They are obviously not doing their part to verify the debt with each of my disputes, and that is not ok.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I disputed a collection account on my page after receiving notice from XXXX XXXX stating after my dispute they have closed and request the account to be deleted. Experian refuse to acknowledge
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that still reporting on my account : XXXX {$390.00}
Consumer complaint received 2021-12-06
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. (TX)

XXXX XXXX 1. XXXX XXXX credit limit {$9000.00} ( closed ) FRAUD 2. XXXX Bank credit limit {$5000.00} ( closed ) FRAUD 3. XXXX XXXX XXXX  {$140000.00} ( closed ) FRAUD 4. Idaho XXXX and XXXX loan amount {$7200.00} ( closed ) FRAUD 5. XXXX balance {$340.00} ( closed ) FRAUD 6. XXXX XXXX balance {$0.00} FRAUD 7. XXXX XXXX XXXX Balance {$0.00} ( closed ) FRAUD XXXX. XXXX XXXX XXXX XXXX {$2100.00} FRAUD 9. Dept of Ed XXXX Balance XXXX FRAUD 10. Dept of Ed XXXX XXXX {$3000.00} FRAUD 11. XXXX XXXX XXXX {$140000.00} ( closed ) FRAUD EQUIFAX EQUIFAX XXXX XXXX XXXX bank XXXX balance {$0.00} ( closed ) FRAUD opened XX/XX/2018 XXXX. XXXX XXXX opened XXXX XXXX Balance {$0.00} ( closed ) FRAUD 3. Department of ED XXXX Balance {$1700.00} ( open ) FRAUD 4. Department of Ed XXXX Balance {$3000.00} ( open ) FRAUD XXXX XXXX 1. XXXX XXXX XXXX Fraud Inquary 2. XXXX XXXX ( closed ) balance {$0.00} 3. XXXX XXXX ( closed ) balance {$0.00} XXXX. XXXX XXXX ( open ) balance {$2100.00}
Consumer complaint received 2019-08-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (FL)

I have previously sent this collector a request on XX/XX/XXXX to validate this debt as well as sending a letter to XXXX  and XXXX. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you they I allegedly owe you. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them. 

Since they are still reporting this account on my credit report, they are now in violation of the FCPDA. This account is also past the statue of limitations as it is reporting as opened XX/XX/XXXX, which has surpassed 5 years and this collector has reported this as a charge off but once I disputed it they changed the balance from {$0.00} to {$6600.00} stating this is the balance owed as if theyre still coming after me, which is a violation of the FCRA!
Consumer complaint received 2018-04-12
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. (WI)

I disputed the accuracy of 6 collections accounts that are being reported by TransUnion through the website XXXX XXXX On the Date of XX/XX/2018. The disputes are still pending and I have not received and notification from TransUnion as to why nor have these inaccurate accounts been deleted. I am now requesting Debt validation to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
This complaint form will be my proof of request for DEBT VALIDATION if this matter goes before a judge. 
Furthermore I am requestin that TransUnion provide the information on how they found the disputed accounts to be accurate if they do find them to be. 

The following is taken off of XXXX TransUnion received your request on XX/XX/2018 and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX.
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to run my credit to buy a house found out that I have a medical collection shown on XXXX which I dont have any medical collections. Have contacted XXXX but unfortunately after I gave them all my details they said they couldnt access my account so they wont be able to help me.
Consumer complaint received 2020-12-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/2020, i made a payment of XXXX to Nationstar bank, Dba Mr. cooper to cover 2 months of mortgage payments including XXXX and XXXX payments, when the bank called me i told them i will process those payments and said its ok, my due date is on the XX/XX/XXXX of each month so the payment on XX/XX/XXXX was still before 30 days after due date, however Nationstar bank reported me 30 day late on XX/XX/2020 to the credit bureaus, i am attaching proof of my bank statement where you can see the payments i made, please check it out.
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I participate with Bank of America mortgage, which they offered ,3 month no payment plan because of the hurricane that affected florida in XX/XX/XXXX. Before participating in the plan, they had assured me that they do not report to credit agency as missed or late payments, the representative said they are doing it to help consumers.Now i got letter from them saying, I need to participate in modification plan, which i do not want to because it will ruin my credit. so i called them today ( XX/XX/XXXX ) about it, the representative at the modification place threatened me that either i need to make the full 3 month payments or participate in their modification.Otherwise, they will report to credit agency as late/missed payments.

They told me that not report to credit agency. Now they are forcing me to participate for new modification .They also not deleting my PMI ( my loan was over 5 yrs ) due to this reason. What will i do?
Consumer complaint received 2021-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I have had to call XXXX times over the past few months trying to get my student loan refinance overpayment check refunded to me and so far they tell me the same thing every week that it is in accounting to be processed. I have been placed on numerous " rush order '' lists that are supposed to expedite the process, but nothing has moved in this time. Calls occurred on XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ). 

This was a refund check for XXXX $ so no small amount. That could have helped me pay my loans on time last month, but I had to make late payments due to this mishandling of the situation.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION (AZ)

I noticed about XXXX of fraud on my account. I tried to dispute these transactions on there website but for 3 days it said I have no transactions to dispute. So I called in XXXX to dispute the transactions. Guess what the rep only took notes. Fast forward a rep calls me Monday and says the rep could not dispute the transactions I would need to go over them with her. 

Then she had the same issue and it said I had to transactions to dispute on this account. Then she put me on hold to someone in another department. 

Well guess what the call got disconnected and she did not call back. 

I am hold for XXXX minutes now. This customer services sucks. 

I feel like they do this on purpose not to get your money. 

I Have XXXX in fraud and couldnt even pay rent because of this. Horrible way to treat a veteran like this.
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021. I tried cashing a chck made out to me from my Property management company for XXXX and had current drivers license. Bank of America refused to cash the check because i did not hold an account with them
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I settled out with a. Electric utility bill, two credit card bills, and a cable bill. I settled out with all pasted due collections debts on my credit report. there open but still saying it was not paid