davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: M.A.R.S., Inc. (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : ACCOUNT # XXXX AMOUNT : {$2200.00} Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXXhirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 

Thank you
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

A Synchrony Bank Visa card payment of {$2900.00} was received and cashed on XXXX XX/XX/2021 as my XXXX XXXX confirms. This has not reflected in my Verizon Visa account. I request this reflect immediately. I have communicated with this bank repeatedly concerning this.
Consumer complaint received 2021-01-29
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. (CA)

XXXX promissory note validates account paid in full before XX/XX/2017 ( XXXX XXXX day late is impossible, though XXXX, Equifax, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, Equifax, XXXX  continue to inaccurately report for several years.
Consumer complaint received 2022-04-29
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. One of them being Bank of America on XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( T-MOBILE ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Commisioner of XXXX XXXX has been reporting innacurate information to XXXX XXXX  and experian. The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC (CA)

I went to court with my apartments and got any and all damages waived as well as any monetary damages yet they sent me to collections for XXXX dollars and I had sent them the transcripts from the final court date and the order and they keep rewording and interpreting what the judge said to say that I still owe.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MA)

On XX/XX/2020. Ally bank ( XXXX. XXXX XXXX XXXX XXXX, PA XXXX ) became aware of a human error that caused my information to appear on another customer 's B Notice, a backup withholding document. The XXXX  requires that Ally bank validate my name and Social Security number if their records vary from theirs. 

The information that was involved included my full name and Social Security number. 

Ally Bank claimed that a corrected B Notice was sent on XX/XX/2020. They said they contacted the customer who received my information and requested that he destroy the Notice sent in error. 

Ally Bank states that they engaged XXXX to provide me with its XXXX XXXX XXXX for two years, at no charge. 

I called the bank many times in the past month asking for a valid explanation and a feasible solution to prevent being a victim of identity theft. They will not investigate o take other actions regarding this problem.
Consumer complaint received 2024-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

Wakefield and Associates have attempted to collect a debt not owed by myself. Upon two disputes via XXXX they have failed to provide the documentation entitled to me by the Fair Credit Reporting Act. Instead of providing the required documents, Wakefield and Associates updated and continued to illegally tarnish my credit report.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (WA)

Experian only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does Experian, XXXX and XXXX do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks XXXX~
Consumer complaint received 2022-04-29
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: JPMORGAN CHASE & CO. (MD)

I applied for only one Chase credit card this year on XX/XX/XXXX. That card was the Freedom Flex. I recieved XXXX extra inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not apply for any new cards and this is an incorrect use of my credit report.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On two reports from the three credit bureaus, the payments are listed as 30 days or less delinquent, and on one report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( XXXX ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX, a deduction of {$61.00} was deducted from my Bank of America checking account, cited as a charge from XXXX. I did not recognize the charge and logged into my XXXX account. It was not from an order placed by me or placed using my account. 

On XXXX, I disputed the charge with Bank of America and requested a new card. I called XXXX customer service and spoke with an associate, who confirmed the charge was made by another " unverified '' account. I asked them to reverse the charge. I also asked for a destination city, but the associate said she didn't have that information. I received no email confirmation of the call from XXXX, however, I also updated my password that day and received a confirmation of that. 

On XXXX, Bank of America issued a statement that they would not cover the charge. They FALSELY alleged I authorized the charge. I DID NOT. It is not in my XXXX account - period. I chatted with XXXX again, and they told me they would not refund the charge unless I disputed the charge with my bank. I told them probably 8 times by chat that I did this, but the agent ( or bot? ) just kept repeating the instruction. My bank never contacted me for more information or for evidence and there is no way to appeal their finding. 

My account is insured and my bank says I have fraud protection. They, together with XXXX 's opaque " customer service '', have skirted the system and effectively rubber stamp this fraud on my checking account. 

Attaching XXXX charges on MY account before and after the fraud activity. Attaching chat screenshots from XXXX customer service, confirming my bank never contacted them,
Consumer complaint received 2022-01-11
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. (VA)

On XX/XX/2021 and XX/XX/2021 I reach out to Equifax by mail and phone to dispute public records on my credit report. I provide a letter from the court saying they do not report information the Equifax.
Consumer complaint received 2021-08-18
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: Experian Information Solutions Inc. (PA)

This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

XXXX  : XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  : XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-08-18
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. (TX)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We received a letter from Bank of America dated XX/XX/2024 welcoming my business LLC to Business Advantage Fundamentals Banking Account. We did not request to open an account. The TIN on the form was not our TIN. The letter requested we send a " Business Resolution and Authorization for Opening and Maintaining Banking Relationship '' form. It did not have our State where Organized/Registered/Principal Place of Business filled in. 

I called BOA at XXXX, their line to report fraud, to request who opened the account, request it be closed, and told them I would report them for fraudulent activity. They told me it wasn't fraud since it wasn't our TIN. I could not report it as fraud to BOA, I could not close the account since it isn't our TIN. They will not give me any information as to who opened the account. They were encouraging me to destroy the letter. I told them I was keeping it as proof of their unethical marketing and in case unlawful activity occurs so we can report it to the proper authorities.

This activity seems to be sketchy at best and fraudulent at worst. Bank of America doesn't seem to have learned from their prior unauthorized opening of accounts and the fine they paid in the past.
Consumer complaint received 2023-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

Timeline for PSLF : XX/XX/XXXX - submitted my final employment certification form for public service loan forgiveness as I made my XXXX payment in the month of XXXX. This was sent to XXXX. 
XX/XX/XXXX XXXX notification from XXXX that I made XXXX qualifying payment for PSLF. 
XX/XX/XXXX XXXXtransferred to MOHELA as my loan servicer and was instructed that the transfer to a new servicer would not impact the timeline for forgiveness. 
As of this date ( XX/XX/XXXX ) - I have not received student loan discharge/forgiveness. I have any communication about discharge/forgiveness. I have received no communication at all about anything. I have called MOHELA multiple times asking them to verify that the process is moving along but then have never been able to verify this. At first, MOHELA said " you should hear something by the end of XXXX. I called in XXXX and informed them I've seen zero communication. They said I should hear something by XXXX at the latest. I called in XXXX, again due to zero communication. Now they don't give me a timeline. They say call the Department of Education. I call the Dept. of Educaiton which leads me right back to MOHELA. According to my " federal student aid '' website, it has showed XXXX payments for several months. MOHELA 's website has showed XXXX payments for several months ( since early XXXX ). Why is MOHELA not moving this process along as they should? No one from MOHELA will answer this question. I've spend countless hours of my life on hold to reach out to them for answer and/or written verification and they've refused every attempt. 

Now it is XXXX, and I've heard nothing and they still can't tell me anything when I call about the issue. Other individuals on PSLF submitted their PSLF months after I did and have already received forgiveness. I have submit an employment certification form every year as instructed and I consolidated all of my loans into a XXXX XXXX in XXXX. I've done everything by the book. 

The only document I can upload is a screenshot of my MOHELA online account because I have received no communication at all.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been steadily waiting on their response about 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 accounts reporting on my Credit Report : PORTFOLIO RECOV ASSOC - XXXX Balance {$4700.00} ; PORTFOLIO RECOV ASSOC - XXXX Balance {$1000.00} ; PORTFOLIO RECOV ASSOC - XXXX Balance {$1300.00}