davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CT)

I was attending the school for almost a year and never finished my education was making payments upon the loan as agreed but the school had been closed down due to fraudulent charges against students and i felt as though I shouldn't have to pay anymore money into a school I did not finish and closed down due to fraud I've tried to settle these accounts but the settlements that they want I think is unreasonable and I refuse to pay them. As this has gone on for almost 10 years, it has taken a toll on my credit score and don't damage that I need reversed. I believe that the amounts should be forgiven and i shouldn't have to pay another cent to these people.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are Not Factual since I've never authorized them. The FCRA requires Credit Bureaus to follow up and investigate those inquiries in question or delete. 
XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX TransUnion US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX/XXXX  XX/XX/XXXX TransUnion
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a XXXX XXXX XXXX Card from MBNA since XX/XX/XXXX. I wanted the card because it used our fees for a program to bring back the wolves in the XXXX XXXX during a time when they were nearly extinct. 

The card also had a rewards program with it for purchases. Every few years I would purchase flights for family travel using the rewards. The program was bought out from MBNA by Bank of America, and I am not sure when. BoA could not tell me when either, which I found disturbing. 

What I learned today is that apparently, miles expire. I didn't realize this, and starting in XX/XX/XXXX I have lost approximately XXXX miles, maybe more ( the first dump was in XX/XX/XXXX for XXXX miles ). 

BoA claims they sent me a kit explaining this. I do not recall ever receiving such a kit. They also say the miles being retired are on the pdf statements of my bills which I check monthly. It says no such thing. The document just tells you how many miles are added, and how many you currently have. It says in very small print ( what looks like a 9 point font or smaller, very hard to read ), something I never noticed, that miles expire after 60 months. When I questioned the representative from BoA, he said I can always go online and look at my miles. I find this preposterous, given the arcane and disorganized nature of their website. 

So to summarize, when I got the card, it said miles never expire. Now I learn a few months after that that thousands of my miles have expired ( worth hundreds of dollars ), with no explanation, no email warning, no calls from the company. 

When I asked if there was a way to get my expired miles back, BoA says it is impossible. I find this ironic. This is the same company that we the taxpayers bailed out to the tune of XXXX  XXXX taxpayer dollars in XX/XX/XXXX. [ Bank of America received {$XXXX} XXXX  in the federal bailout from the U.S. government through the Troubled Asset Relief Program ( TARP ) on  XX/XX/XXXX, and a guarantee of {$XXXX} XXXX  in potential losses at the company. ] What a dishonorable company, in my opinion, to receive US government largesse and then not work to accommodate their loyal customers. Shame on BoA!
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (MD)

All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | Consumer Portfolio S | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (CA)

My Name is XXXX XXXX and I had XXXX XXXX XXXX while I was in the military, After I discharge from the Military I was not informed I had a balance due with XXXX XXXX XXXX I received no statements of any kind due to this my account went into collections. I was found out later in the XXXX that I had an account in collection for XXXX XXXX XXXX I paid this account and requested this account be deleted from my credit report AAFES sent me letter stating this account will be deleted however it has not been deleted and in attempt to delete this account has provided incorrect information to credit report agencies which are attached for XXXX it is saying my account in XX/XX/XXXX it was 120 days late which is not true and with XXXX it is reporting from XX/XX/XXXX to XX/XX/XXXX this account was in collections which is also not true because this account was paid in XX/XX/XXXX so from XXXX to XXXX my account should not be in Collections this is in Valuation for FCRA Fair Credit Reporting Act and the Military Lending act. also AAFES XXXX XXXX XXXX participated in aggressive collection act by taking money out of my Taxes and received a payment from myself which cause XXXX XXXX XXXX to receive a double payment.
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NY)

I NEVER EVER FAILED TO PAY A DEBT. I have no debts. By the time they claimed that XXXX wasnt paid I had full health insurance coverage!! 
The secretary at that Dr office XXXX XXXX XXXX XXXX was the one to suggest changing from XXXX to XXXX. 
I HAVE NO DEBT and they are ruining my credit score sending an amount of XXXX $ for a debt that it is NoT mine!

Stop doing it!
Consumer complaint received 2019-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/19, I saw a posting on XXXX for tickets. I've purchased tickets through XXXX a million times so I was not too concerned. 

I sent money through my XXXX app for {$90.00} and received only silence. I had no idea that my bank would not cover something they endorsed and provided through their sanctioned online application. 

I did not receive my tickets and the bank refused to refute the transaction or give me my money back. I made two calls to XXXX explaining the situation. They said there are no consumer protections. I called XXXX. XXXX could see the account but also that there was no way to stop the transaction. 

The companies involved are XXXX and XXXX, and Bank of America, through the XXXX app. 

The scammer using the XXXX XXXX XXXX was a Bank of America customer.
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AZ)

I have submitted four disputes through XXXX online dispute link that was sent to my email within the timeframe ( before XX/XX/23 ). I have not received any additional information from them yet they call me every day. I have also never received anything in the mail from them, only the email.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (VA)

Applied to refinance our home with XXXX XXXX NMLS # XXXX at M & T Bank. 
We were never told about paying points. When estimate came to us it had {$3700.00} in points on it. It took us emailing and calling 10 days to XXXX with finally a response. XXXX tells us on the phone dont worry about it because our appraisal ( we paid for {$550.00} on XX/XX/XXXX to M & T ), the LTV was so great, we dont have to pay points anyways. XXXX told us to sign the estimate docs to keep process moving forward and he will fix it. This refinance is going on almost a 2 month process. The next estimate we get from title company still has points. XXXX XXXX, Mortgage Processor NMLS # XXXX, was assigned and I told her from the start the points were supposed to be fixed to Zero points before the settlement estimate is completed. XXXX tells me that on XX/XX/XXXX the underwriter submitted the change and she never followed up. XXXX tells me she never heard back from us-I shouldnt have to constantly keep on top of M & T Bank to make sure they are doing their jobs. We have back and forth emails with us asking them is it fixed? When can we close? Etc. XXXX follows up and tells us XXXX lowered the points by half ( which would still be {$1800.00} approx ) out of our pocket and he also reduced our loan amount by {$500.00} without speaking to us! XXXX has never followed up or spoke to us since XX/XX/XXXX. All communication has been through XXXX since this date. XXXX has requested XXXX to contact us twice in which he has failed to do so. This whole process has wasted almost 2 months of our time!
Consumer complaint received 2021-04-01
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. (SC)

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Consumer complaint received 2019-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On Thursday, XX/XX/2019, I was attempting to buy tickets to see XXXX XXXX perform at the XXXX XXXX that night. I found a listing on XXXX saying that a man was selling 2 tickets for {$250.00}. I texted back and forth with the man and ended up sending him the {$250.00} over XXXX. After that he told me that he would be sending me the tickets and then blocked my number and the tickets never arrived. I have spoken with representatives at Chase 2 times and they have been either unwilling or unable to help me contact XXXX to figure out who the guy is that scammed me. I have also filed a police report.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at COMENITYCAPITAL/ZALE, COMENITYBANK/VICTORI and COMENITYBANK/XXXX. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I am a victim of identity theft and did not make the charge [ s ].
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

In response to CFPB complaint : XXXX As you stated in your response Midland Funding remains on credit due to verification of address. However, submitting through E-oscar of matching addresses social and DOB is not a form of verification.

MIDLAND FUNDING Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : MIDLAND FUNDING Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-07
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. (TX)

This Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NY)

I've been receiving multiple phone calls in regards to an overdue phone bill that was sent to collections from a phone line that I opened more than 3 years ago. 
I'd like to eliminate the single derogatory mark that I received from a phone bill I had when I was XXXX. The amount is for {$540.00}. I'm starting to learn about credit and would like to improve my credit score for the future.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA Credit card first told me I had a {$2500.00} cash advance and I told them I have NEVER done a cash advance on any of my credit cards. I was then told by them that I made a Balance Transfer for {$2500.00}. I asked them, who they payed {$2500.00} to as a balance transfer in my name. After 3 weeks of waiting for them to give me an answer they told me they only keep those records for 12 months and would not tell me who they sent the money to. They could tell me about credit card purchases I made before the so called transfer. 
I've put my payments on hold until this is resolved. I've also sent in a complaint to the 3 credit reporting agencies and am waiting to here back from them.
Consumer complaint received 2019-10-01
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. (CA)

I am a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.
Consumer complaint received 2019-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

I have received emails from Equifax claiming my dispute has been looked into and resolved. I have called and emailed multiple times to get this information and attempted to review online but their online system is down. I have called a total of 5 times and each time I am told the information I am providing is incorrect. I then emailed Equifax in regards to my frustration of their representatives and was told to call consumer affairs and they would help me. I've called and emailed the agent ID numbers to equifax with no resolution of my disputes or request of my credit report. 

In my email I also requested a copy of my credire report because I do not trust the information is being reported accurately.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CO)

We have a collections on our credit report due to an eviction case that had been dismissed. although the case was dismissed and the attorneys for XXXX XXXX at XXXX ; agreed during mediation not to put anything on our credit reports. However they did and it has been difficult to find housing because of this collections on our credit report, and listed as " XXXX ''. We contacted NCC by email as they are the collection representatives for XXXX XXXX at XXXX. I have enclosed the emails to which I asked for itemized listing of debt, then attempt to settle the debt. I called XXXX XXXX XXXX ( XXXX ) to speak to a representative on XX/XX/XXXX as I was fighting identity theft. I contacted the XXXX office to get proof of residency and to discuss the debt. I left a voice message I never received a call back. enclosed are attachments that will give more detail.
Consumer complaint received 2023-04-07
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. (FL)

This account has a 1st delinquency date of XX/XX/XXXX. Transunion has already completed an investigation in XXXX stating this item would be removed in XX/XX/XXXX - 7 years past date of first delinquency. XXXX continues to provide inaccurate information to keep this charge-off on my credit report. This removal that was scheduled for XX/XX/XXXX was now moved to XX/XX/XXXX based on new information XXXX provided. This account should be removed according to FCRA regulations. I am requesting the account be removed.
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Since XXXX when I originally reported identity theft to al credit reporting agencies and registered with FTC Confirmed by office of comptroller for currency in XX/XX/XXXX Transunion has continuity reported incorrect info on my credit report I received correspondence from transunion XXXX XXXX Saying they corrected my credit report On the current version They took off creditors accounts that pertain to my 40 year credit history And left. XXXX which I did not apply for and reported fraudulent to XXXX banks in XX/XX/XXXX Also transunion changed a loan from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Why? 
They stated it was their transunion.reporting Error XXXX XXXX loan was reported as XXXX $ per month paid off in XX/XX/XXXX As per XXXX XXXXXXXX XXXX XXXX XXXX there was a note put against my home from them at approx {$530.00} per month so this is INCORRECTLY REPORTED by transunion I want to know where transunion got the information and who authorized the change of the name if the financial institution Also XXXX XXXX XXXX XXXX has denied a transunion reporting inquiry of XXXX And XXXX XXXX has denied a transunion reporting for an insurance underwriting inquiry of XXXX XXXX XXXX has stated their was a fraudulent hard inquiry of XXXX Along with 20 other soft inquiries XXXX XXXX has denied a hard credit inquiry reported by transunion XXXX XXXX XXXX has denied a hard inquiry of XXXX reported by transunion Where does transunion get your reporting info from to put it on my report