davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I disputed a transaction on my USAA Master Card and they took charges off. They Merchant responded and they reissued him the monies even though I have resubmitted more evidnce showing substandard work and misleading representation to Emissions they will not take the monies off because they do n't have a letter from a third party even thought they have the problem on the receipt. They are letting XXXX XXXX XXXX get away with fraudulent business practices at my expense.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (DE)

Lvnv funding llc. C/o resurgent capital services XXXX XXXX XXXX XXXX sc XXXX XXXX ( XXXX ) XXXX assigned date XX/XX/2017 has been sending me collection notices in the amount of & XXXX as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (OR)

I have been called dozens of times for someone named XXXX over the last several years. I have explained repeatedly that I have never known this person and been assured our number would be removed. 

Recently associates of Delta Management Associatiates of Massachusetts and Arizona have been placing robo calls from various local numbers several times a day and leaving messages stating that a failure to return calls is an affirmation that XXXX is at this number. 

Today I talked to someone named XXXX XXXX@XXXX ext XXXX. Once again I was given assurances that my number would be removed. I cant believe it will at this point.
Consumer complaint received 2017-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I listed a vehicle for sale on XXXX. I received a text from a potential buyer who offered full asking price. He sent me a check ( Insurance Company Check ) for {$11000.00} ( car sold for {$7000.00} ) and requested I send overage to the transport company account.
Bank of America accepted the deposit and made funds available immediately.
I transferred {$4300.00} ( I know feel stupid enough already ) to the transport persons account at Bank of America XXXX. 24 hours later BofA took the money out of my account due to fradulent check ( late found out altered ). I requested that they stop and return the funds I had transferred to the account in XXXX. They had the data, it was in the same time frame as when they removed the deposit from my account, yet they could not stop or refund my transfer. Two lessons learned here. 1. ) be more diligent in this kind of transaction and 2. ) do n't trust Bof A, all they give is lip service.
PS : Yes, there is an active case with Phoenix police, however, I do n't have any expectations of them finding and prosecuting anyone.
PPS : Have another sale of the vehicle that follows the same pattern, but BoA unable to work with me to track and try to catch these human slugs.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

XXXX XXXX is a company I do not know never had business with nor did I provide them any of my information. They are reporting a sprint bil saying it was opened in XXXX of XXXX I did not open any accounts with sprint last year. They have placed this account on my credit and it needs to be removed immediately. They do not have proof of any accounts from sprint within the last 7 years. This is not my account.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (TN)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2018-06-07
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. (SC)

i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (OH)

Account name : XXXX XXXX reference number : XXXX Amount dispute XXXX. I demand under FCRA : section 604 : 1. Permissible purpose. 2. My written authorization. Immediately remove that account above from reporting to credit bureaus because you're causing defamation of my character. I will be forced to take legal actions against you. I will have no choice but to reach out to local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 15 U.S.C 1681 section 2. 15 U.S.C 1681c. ( a ) ( 5 )
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

I submitted claim XXXX previously about money stolen from my US Bank cards. I received a response from US Bank saying that they would reinstate balance on my cards and mail me replacement cards. I received replacements for all cards, except the card ending XXXX. I contacted them several times over the phone asking about this card and each time I was told that they would escalate and I should receive a replacement card with {$200.00} balance within few days. It has been several months and I have never received a replacement card.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DE)

I had a XXXX credit card account that had a limit of {$1200.00}, it did not have a balance nor did I owe them anything. However, due to them receiving erroneous false information from XXXX XXXX, XXXX and or XXXX, siting that I had other derogatory account information they closed my XXXX account. The derogatory accounts are under dispute as they were fraudulently opened by someone within my household. This account closure is having an adverse effect credit file and lowering my FICO. 
.
Consumer complaint received 2024-03-13
Product: Credit 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: CITIBANK, N.A. (NC)

HI I HAD EMAILED AND MAILED ALL THE PROOF, BUT AS OF XX/XX/XXXX, YOU ARE STILL ASKING FOR THE SAME PROOF I GAVE YOU 3 TIMES XXXX ARE YOU DISCRIMINATING AGAINST ME??? 
WHY DO I HAVE TO PROVIDE THE SAME PROOF OVER AND OVER??? 
I SPENT OVER XXXX A MONTH ON THAT CARD AND RARELY DISPUTED ANYTHING XXXX 
I'M SAD AND DISAPPOINTEDXXXX I PREPAID MY XXXX XXXX  USING POINTS AND CREDIT CARD XXXX  AT THE COUNTER, THEY REQUESTED A CREDIT CARD FOR INCIDENTALS WHICH I GAVE THEM MY CITI CARD XXXX  I WAS CHARGED AGAIN XXXX  I DISPUTED THE {$1700.00} CHARGE, BUT IN LESS THAN 24 HOURS, citi DENIED MY DISPUTE.XXXX .IT 'S NOT FAIR. I'M A GREAT CLIENT!! 
SEE ATTACHED PROOF of paid bill, duplicate charge THANK YOU
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

Letter submitted to XXXX on XX/XX/XXXX via XXXX online dispute portal XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX, XXXX, and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above-mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. 


I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

We completed numerous applications several times but the mortgage company continue to deny our request using incorrect documentation. My monthly XXXX income of {$3200.00} was terminated by the XXXX insurance company in XXXX XXXX. We both struggle with significant health problems that are extremely costly, have negatively impacted our credit profiles and we have been in the home for almost 25 years. It as if they are determined to make us homeless. Can you please assist us in getting a modified loan. 

In their most recent denial letter they notified us for the first time that many of the programs offered by the US government no longer exist and that they are not allowed to offer us assistance because of a formula dictated by the US government, they have to comply with. The information contained in their formula which they continue to use to deny us assistance continue to be incorrect.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

ADS/COMENITY/ALPHAEON fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). ADS/COMENITY/ALPHAEON is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-03-31
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: PNC Bank N.A. (FL)

PNC Bank is reporting an auto loan on my credit report that does not belong to me. I already submitted all oft the identity theft paperwork required in order to fix this issue and they have placed the account back on my credit report.
Consumer complaint received 2017-10-06
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. (TX)

I sent a certified letter to Experian, regarding the inquiries on my credit report, asking them to investigate the inquiries that were not authorized. The XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. I received an updated credit report back from Experian stating they were only able to remove a few of the inquiries and that I was responsible for disputing the rest of the inquiries with the creditor who pulled my report. I then called Experian and advised them that based on the FCRA, they are suppose to investigate any inaccuracies on my credit report. The representative then advised me that they can not dispute inquiries because inquiries are factual and that the consumers responsible for disputing the inaccuracies and providing them with the outcome. I then asked the representative if she could tell me where I could go to read about the information she was giving me. The representative stated she did not know where I could go to read about the information she was giving to me. I told her that she should know and educate herself on what she 's telling the consumer because she could be incorrect. The representative advised me that I would have to send every creditor a certified letter disputing the inquiry. I asked her if she was aware of how much it cost to send over XXXX certified letters. I also tried contacting the creditors who pulled my credit report and everyone of them told me I have to go through my credit bureau to dispute the inaccuracies. I am so confused and frustrated with theses credit bureaus not wanting to help the consumers.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceotance Repossessed my vehicle with only XXXX dollars left they sold the vehicle and put an outstanding balance on my credit and the amount was way more than what I had left to pay on my XXXX  XXXX XXXX.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Last Friday my wife and Ii called XXXX  XXXX XXXX credit card division in order to pay and old accounted my wife 's. We were told by the mortgage company we are currently going ough to refinance our home that it needed to be paid and reported to the credit bureau in order to do a rapid restore of her credit. We call XXXX  XXXX XXXX, and they told us we needed to call NCB. Management because they were handling the debt. I asked why couldn't they just call and let them know its being paid. They so no we had to call them. We called NCB they told us it had to be a cash payment through XXXX XXXX we ran out to XXXX XXXX and pulled money out of the ATM to make the cash payment. Monday NCB got payment and sent us a letter that we had a XXXX balance. Today I called XXXX XXXX XXXX to give verbal authorization to allow the credit bureaus to verify the XXXX balance. XXXX  XXXX XXXX said they did have the payment, and it would take them 14 days to get it. NCB said they had already sent it to XXXX XXXX XXXX. Called NCB back and they varied it had been sent. I said it seems punitive to make the customer wait all those days, but the account is paid of. They to me they should have it updated already. The regular wait time is 30 days while the investigate. There was no investigation because it was paid in full. Why make the customer wait another 30 days while you sill put a negative entry in there c edit reports again, but you already have their money. This seems vey good XXXX and a violaltion of the Fair Credit reporting act.
Consumer complaint received 2016-01-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16.
Consumer complaint received 2021-07-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I entered into a HELOC with XXXX XXXX XXXX. XXXX  XXXX XXXX is no longer exists. This HELOC was sold to XXXXXXXX XXXX XXXX, then to XXXX, and it ended up with Bank of America. On XX/XX/XXXX, I received a letter from Bank of America stating that Bank of America had approved my Home Equity account for participation in a principal forgiveness program offered as a result of the Department of Justice and State Attorneys General national settlement with major mortgage servicers, including Bank of America, N.A. I was given a full forgiveness of the remaining principal of {$32000.00} on my Home Equity Line of Credit Account and was informed that I no longer owed anything to Bank of America and that all fees and interest were being waived. At this time, Bank of America should have filed a lien release with XXXX XXXX, State of Washington and they did not. 

On XX/XX/XXXX, I applied for a new HELOC to do some home improvements to my home and to pay some debts. On XX/XX/XXXX, I learned that a lien release was never filed. I have talked to numerous people at Bank of America. On XX/XX/XXXX, I was told that the lien release would be filed with XXXX XXXX, State of Washington by XX/XX/XXXX. It was not. I followed up with Bank of America on XX/XX/XXXX and was told that it would be taken care of by XX/XX/XXXX. I went on vacation on XX/XX/XXXX and did not return until XX/XX/XXXX. My new lender informed me on XX/XX/XXXX that they didn't have the lien release. On XX/XX/XXXX, I again followed up with Bank of America. They informed me that they sent a copy to my on XX/XX/XXXX. I did not receive it. They also told me that they would email a copy to me. They have not emailed a copy to me. I have done my own search on the XXXX XXXX website and do not see record of a lien release filing. Bank of America continues to lie to me. They should have filed this lien release on XX/XX/XXXX. Due to their negligence, my new loan has been delayed for over two months now. 

Any assistance that you can provide will be appreciated. Thank you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX WA XXXX Email : XXXX Phone : XXXX