davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (NY)

On XX/XX/XXXX, I went to the PLS Check Cashers store located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  store # ( XXXX ), and I advised one of the clerks/cashiers that the money that I purchased on XXXX XX/XX/XXXX had been rejected by the bank. The clerk immediately had me fill out a PLS Money Order Stop Payment/Refund Request Form regarding money order # XXXX in the amount of {$1500.00} that I purchased on the above date. 

When I finished filling out the form the PLS clerk/cashier went over the form with me and advised that had to call the XXXX listed on form, and that I would be able to speak to someone regarding the status of my refund which would be issued to me within XXXX to XXXX business days. So, I called and left messages at the above number, but I didn't receive any call backs. 

So, on XX/XX/XXXX, I decided to send an email to the company using the company 's website, and finally I received call from one of the company 's representatives on XX/XX/XXXX, at XXXX p.m. The representative stated to me that a check for the full refund would be issued to me on or before XX/XX/XXXX. But unfortunately, I never received the check as promised. 

On XX/XX/XXXX, I sent a follow email requesting a refund, and XXXX days later I received a call on XX/XX/XXXX, from one PLS company 's representatives, who stated she was in the process of sending an email to her refund department to find out what happened to the refund check I was due. She further advised that someone from her refund department would be giving me a call on either XX/XX/XXXX, or the next day. But, unfortunately, as of to date, I haven't received any phones calls or the refund check from the company 's refund department. 

Instead, all I'm getting from XXXX XXXX XXXX is excuses, delays and empty promises. I also asked that when the refund is issued that it be sent to me via, XXXX XXXX XXXX or XXXX. XXXX XXXX, to eliminate the excuse that the check was sent but may have gotten lost in the regular mail.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

While being a customer of XXXX now XXXX, I've had several issues of over charges for my account and was a loyal customer for over 4 years. When expressing concern for a service I was charged for and was never informed I had access to, I was ignored. I had a conversation with XXXX and my account was never corrected. XXXX charge me for a phone service which I was told was part of a bundle from the prior year, which I never was informed of. I learned of the service charge after disputing another issue with my cable service over the phone. When I asked for my call to be escalated no one ever contacted me back. I'm certain that I was charged excessive late fees as well. 

Currently, I don't have anything to attach because I don't have access to my notes due to storage but XXXX has access in their records of my calls. The rep informed me they were taking notes, unless the rep lied to me.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting derogatory on my credit report, for a XXXX balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Consumer complaint received 2022-08-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

We received notice that a Sheriff sale of our home was scheduled for XX/XX/2022 at XXXX, Eastern time by the collection firm of XXXX XXXX and XXXX XXXX XXXX. Attorneys at Law, XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, Illinois XXXX. 
We immediately contacted the representative Bank of America, for the Master Servicer, XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX and advised him my wife and I have a deed to the property at XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX, and signed authorizations from borrower XXXX XXXX XXXX ( See attached ) After we provided those prior signed authorizations to him, he stated they were sufficient for the prior master servicer XXXX XXXX XXXX XXXXk XXXX ( these two firms XXXX XXXX XXXX XXXX  XXXX XXXX have lied to courts of law they ever received these authorizations so as not to have to prevent us with a payoff letter ) but in order to discuss stopping the Sheriff sale and to allow him to send us a payoff so we could purchase the property as allowed by Indiana law before the Sheriff sale, Indiana Code Section 32-29-7-77 we had to provide him signed third party authorizations in their name. After he was provided same on XX/XX/2022, he left a voice mail Thursday XX/XX/2022, acknowledging he received it and saying he could now speak with us and he would respond in writing to our request for a payoff letter, cancellation of the Sheriff sale and giving us 90 days to obtain a VA mortgage ( I am VA certified as a veteran. See attached ). In violation of 15 U.S.Code Section 1630g, 15 U.S.C. Section 1611, FDCPA ( 15 U.S.C. 1692c ( b ) XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX has not responded to our calls, nor has the collection agency.
Consumer complaint received 2022-08-31
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. (SC)

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, and XXXX XXXX XXXX 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 2022-08-31
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: Experian Information Solutions Inc. (CA)

I have repeatedly disputed XXXX XXXX credit card because its not mine and they refuse to remove it from my credit file. 

I also repeatedly have disputed XXXX XXXX XXXX AND XXXX XXXX XXXX because they have repeatedly failed to validate the debt and Ive never signed any type of contract with them or any company theyre claiming to represent. I want them off of all of my credit reports and XXXX XXXX Bank as well.
Consumer complaint received 2023-06-25
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. (LA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Inquires Accounts : XX/XX/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 Collections Accounts : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Bureau of Collections, Inc (TX)

they are calling regarding a debt my son owed from XXXX  ... .THIRTY THREE YEARS AGO - i have repeatedly told them I do not know where my son is, TO LEAVE ME THE XXXX ALONE but they continue harrassing me- calling both of my 2 numbers.. 
PLEASE MAKE THEM STOP HARRASSING ME OVER A DEBT OF MY ADULT SON FROM 33 XXXX  YEARS AGO!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-08-31
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. (NJ)

I am a natural person, I'm a living human being, I have the rights under 15 usc 1681.

Equfax is governed by 15 usc 1681, and they violated my rights numerous times. I demand the accounts lited below be romoved because according to 15 usc 1681, I have the right to privacy. And I did not give Equifax written permission to furnish these accounts
Consumer complaint received 2022-04-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

someone applied for a credit card via Bank of America, using my name, address and social security number, but not my email address I did not apply for this card I was notified about this by XXXX through XXXX XXXX which monitors my credit reports I spoke to XXXX, they reported it as fraudulent and I spoke to Bank of America, they cancelled the application and marked it as fraudulent as well It was advised that I report this through FTC.gov and got directed from there to CFPB
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Clarity Services (MO)

I had previously ( on XX/XX/2018 ) tried to get a payday loan, and was unable to due to not having enough open accounts, according to XXXX XXXX XXXX, I have a credit score FAR HIGHER than what is true and they wouldnt allow me to dispute it when I called in. I have 3 credit cards open, one for more than a year, and they also reported my credit score more than 220 points above what it actually is. I called to speak with someone at XXXX XXXX XXXX XXXX about disputing it, and was informed that they refused to speak with me over the phone regarding a dispute until they send me my credit report to ensure the information even needed disputing. They reported my score far higher, I already knew I needed to dispute it. More than two weeks later, I receive the credit report only to find what I suspected to be true ; its incorrect and needs disputing.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XXXX and XX/XX/2022, a total of {$3000.00} was fraudulently transferred out of my Chase account through XXXX. When I realized the fund was transferred out of my account, I went to the Chase bank campus at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in order to resolve the issue. The Chase bank representative decided to give me a temporary credit while awaiting for what they told me was an investigation. A few days following that investigation, Chase bank pulled the money back from my bank account and only left {$29.00} there. I went back to Chase bank to find out why the fund was retaken back from my account, it was when a representative from Chase bank informed me that it was someone from my bank account who took the money. It was a total lie, no one from my bank actually took the money, and Chase bank couldn't give me any proof that it was actually someone from my bank account who took the money. There is a new trend out there, where hackers remotely access your personal devices and access your bank accounts and other personal information. That type action in accomplished through phishing, spyware, viruses infiltrated through risky apps or website. I asked Chase bank to provide me with the proof that someone from my bank account actually transferred the money through, but the bank refused to do it. Chase doesn't have any concrete evidence that it was someone from my bank account who actually transferred the money out. I truly believe Chase bank is just making those allegations, simply because they believe we would commit such an act because of our race. I would like Chase bank to give me back my {$3000.00} as soon as possible.
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc. (NY)

I can not give specific dates as I fell on hard times but I was repeatedly contacted by this company to the point of harassment. I've had to block upwards of 10 numbers to get relief, I was having so much anxiety whenever my phone would ring I debated changing my number all together.
Consumer complaint received 2022-08-31
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. (CA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I have sent a request to XXXX XXXX asking that the account be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the XXXX XXXX XXXX bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

All three Credit Bureaus ( Experian, XXXX, and XXXX ) had put a restriction on my abilities to submit a Dispute Online and enjoy their free services on my free accounts. I will need for all three of them to remove the restriction on my accounts so I can submit my online Disputes.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have submitted the remit/coupon ( {$1100.00} ) provided by the company for payment. They have not credited the account as of today. This has affected my credit score.My instrument was not returned as stated " to dishonor return within 3 business days. '' view BankAmericard XXXX XXXX XXXX - XXXX Account Summary Current balance : {$1100.00} Total credit available : {$140.00} Cash credit line available : {$140.00} Card Details Total credit line : {$1300.00} Cash credit line : {$200.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXX Last payment date:XXXX Last payment : {$100.00}
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One, XXXX XXXX XXXX, XXXX, Utah has been ATTACKING my Credit Report with repeated HARD Inquiries of at least once ( sometimes twice ) per month! My account with them was CLOSED on XX/XX/2020, but the attacks have been happening continuously ( without fail ) from XXXX 2020 until present, well after the account was closed! After speaking to no less than four ( 4 ) customer service reps, nobody at Capital One or its debt collection agency ( " XXXX XXXX '' ) had/has the capability to stop the AUTOMATED hard inquiries! This has created irreparable harm to my Credit Score and must be stopped immediately. Please intervene on my behalf to serve a Cease & Desist notice on Capital One asap. Thank you very much!
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i : reported identity theft of my name and social security number to Police as well as to FTC, see attached. Bank of America ( BOA ) seems to have hired robo signers and others to forge my signature on a fabricated note and claimed that i : borrowed monies from it, when i : never did. i : demanded numerous times from bank of America to make the presentment of that promissory note that it claimed i : signed [ when i : never did ], while Bank of America and its Agent ( s ) Principle ( s ) Co Parties claimed that BOA has in its possession the promissory note that i : allegedly signed, but it never did present that to me. Through extortion and racketeering acts and coercion, i : was forced to sell my unique private property, the alleged servicer XXXX XXXX XXXX stole my monies from the proceeds of the sale and is refusing to return my monies. In addition, later i : found out that after the close of escrow, Bank of America and its co parties agent ( s ) principle ( s ) have sold my note to other entities, as of almost 1 year ago [ the date  that i : researched it using XXXX ], it shows that i : owe in excess of {$120000.00} to unknown entities even though Bank of America/XXXX has filed for release in county recorder due to their being paid in full [ which is really theft of my assets ]. So not only, they are not returning my monies at TILA section 1635 et. seq, indorsed by all three branches of the government to wit : by the president, the congress and the SCOTUS unanimous decision : XXXX v. Countrywide Home Loans Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( XXXX XXXX XXXX SCOTUS Unanimous decisionXX/XX/XXXX Author : XXXX XXXX ), Reg. Z. by Federal Reserve, 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ) but also it seems that they have sold my note to other parties and claiming losses on those to obtain additional default insurance from various insurance companies while claiming that the alleged loan was paid in full when my home was sold, they recorded that closure in county recorder, on XX/XX/XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (ME)

XXXX XXXX XXXX, now XXXX XXXX failed to pro rate my cable bill in violation of Maine Law XXXX The law is pending legal review, but at this point the Federal Appeals court has upheld the law requiring the pro rating of the cable bill. The charge is for approximately {$39.00}. 

XXXX was told not to contact me in 2020. They violated the XXXX  by calling at least 2 more times. They turned it over to a debt collection agency, which contacted me by phone again. A complaint was filed with CFPB at that time and a confirmation was received. 

I received an email from Sequium Asset Solutions today regarding this debt. I called them to advise of the prior XXXX. I believe this is another violation of the XXXX filed in writing to the original creditor, XXXX XXXX XXXX