davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a claim with Bank of America on XX/XX/2022 regarding a transaction with XXXX  for {$770.00}, at which time I provided them with my plane boarding passes to show that what XXXX is stating regarding the item being delivered and signed for by me could not be valid as I was not in the state and I live by myself. On XX/XX/XXXX I received a letter dated XX/XX/2022 stating that the merchant has up to 45 days to respond to the claim. On XX/XX/XXXX I called into the BOA customer service number and spoke with a manager in the claims department that advised me that yes the letter is stating that the merchant has up to XXXX from the date the letter was sent which is XX/XX/2022 to respond to the claim and if the merchant does not respond I will be given back my money. On XX/XX/XXXX I called into BOA and spoke with a claim representative who advised me that the merchant has up to 90 days to respond and if they dont then the bank will reach out again for resolution. At this time I advised her that is not what the Bank of America letter says nor is that what was told to me by the previous manager, I requested to speak to a manager. At this time a manager came on the line and advised that with this type of claim they allow up to 90 days for the merchant to respond if the merchant does not respond within 90 days then they will followup with the merchant and they cant provided a time frame of how long it will take. I again advised the manager that I am holding a letter from BOA that says the merchant is allowed 45 days and I would like to have my money give back to me. The call was disconnected
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (IL)

I'm trying to make a donation through checking account, in order to maximize my donation and not spend any money on processing credit card fees, and they use XXXX for that. It simply states the bank ( PNC ) is " experiencing connectivity issues ''.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (HI)

XXXX, XX/XX/XXXX : I open a {$1000.00} secured credit card with XXXX XXXX XXXX  to establish my credit score. 
XXXX, XX/XX/XXXX : I apply for a CHASE Freedom Unlimited Credit Card and get approved ; credit line XXXX XX/XX/XXXX : I move to XXXX to work in XXXX, where my parents live, to work there for a year. 
XX/XX/XXXX : I apply for the CHASE SAPPHIRE PREFERRED CREDIT CARD and get approved XX/XX/XXXX : I apply for the CHASE FREEDOM CREDIT CARD, because " I would qualify for it " as Chase advertises in my account XX/XX/XXXX : I close my secured credit card at XXXX XXXX XXXX, because I want to mainly want to use the new CHASE Sapphire credit card XX/XX/XXXX : CHASE closes ALL ( 2 ) my accounts. 
XX/XX/XXXX : I ask Chase Specialist for a review. It would take 10 work days. 
XX/XX/XXXX : CHASE doesn't re-open accounts ; it would be a risk, because I have no history. I explain I am traveling and want to start using the card. I have no debt and always pay my bills on time. But I don't get a chance to prove it and feel discriminated.
Consumer complaint received 2018-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Twice this year ( 2018 ), Wells Fargo ( who purchased my mortgage last year a few months after we obtained the loan from a local broker in XXXX LA ) has failed to process my online mortgage payment, even though each time they did process the additional principal payment that was made through the same web transaction used to pay the regular mortgage payment. I believe Wells Fargo is doing this because I am paying off my loan faster than required, and they are looking for other ways to make money off of me ; I believe they are hoping that I won't notice the missed payment until I am past due, at which point they can charge a late payment fee.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants has reported a collection on my credit report. The collection was previously reported on my credit report by a company called XXXX XXXX. I reported this account to the XXXX County Sheriffs office and filed a police report. 

I provided the police report to XXXX XXXX and the credit bureaus and the account was removed from my credit report. Diversified Consultants has never contacted me, or sent me the required documentation according to the law and they are in violation of the FCRA and the FDCPA for reporting this fraudulent account.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (NY)

XXXX XXXX and XXXX Dispute : According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : KEYBANK has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which mandates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 

15 U.S.C 1602g We the people are the credit XXXX and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie I always contacted the to do IRS 3949 form to have them all audited due to this matter and filed a complaint with the United States Courts of federal claims.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Dear Sir or Madam : I am a victim of identity theft. The accounts listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX {$720.00} XXXX XXXX {$740.00} XXXX XXXX {$5300.00} XXXX {$10000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX   {$2800.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX {$38000.00} XXXX {$8500.00} XXXX {$3000.00} XXXX {$2500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I have filed a police report. Here is that information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX Deputy XXXX Unit XXXX Police Report : XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : XX/XX/1984 XXXX : XXXX
Consumer complaint received 2017-12-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (PA)

Complaint against Sallie Mae I am writing today to complain about the handling of my student loans with Sallie Mae. Although I appreciate their consideration to provide me with a loan modification in XXXX 2017, they have reported me and my father 60 days late on our credit report. My mother, who is authorized to discuss my Sallie Mae loans, repeatedly asked the representative if this would impact our credit scores and we were told no you are not 60 days late. The representative who assisted us in arranging the automatic payment schedule even stated the day of the month initially picked would not be good because it would make me 60 days late, so we changed the payment date. In late XX/XX/XXXX, early XX/XX/XXXX, me and my father received a text message alerting us about a change made to our credit report. Upon further review, we found Sallie Mae reported me and my father 60 days late on my student loans. We have called Sallie Mae to lodge a complaint and resolve this matter but with no success. They said we received phone calls and correspondence regarding the loans being past due, which we are not disputing. But when we contacted Sallie Mae to ask why we were receiving the calls and letters, they responded they are automated and will continue to receive them until our 3rd automated payment was processed. We were never told our loans were 60 days late. We asked for a copy of all telephone transcripts of our previous conversations leading up to this point and were told they do not provide them. I understand we are responsible for the management of our loans, but we strongly believe we were misinformed and misrepresented. We reached out to Sallie Mae for assistance to try and avoid the exact situation we find ourselves in today. 

Based on our last phone call today, XXXX XXXX, 2017, to try and dispute this matter with Sallie Mae directly, they stated they will not correct the reporting to our credit reports since we were 60 days late. We are not sure if it will make a difference or not but me and my father have placed a dispute on all 3 credit bureaus against Sallie Mae for reporting us 60 days late.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

To all representatives rectifying this situation, These companies listed have dismissed my attempts to rectify my situation. I sent them a letter on XXXX XX/XX/2020 to inform them of the inaccuracies on their reports. These companies have completely dismissed my efforts to rectify my situation and continue to report inaccurate information. I am cognizant that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 126 days ) and they have failed marginalized my situation and decided not to update me on my situation. I'm also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 126 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. Kohl's/Capital One agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : TransUnion XXXX - XX/XX/2023, XXXX - XX/XX/2023
Consumer complaint received 2021-03-25
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: Resurgent Capital Services L.P. (CA)

I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

You are currently reporting debt to my credit report XXXX and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware of a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards,
Consumer complaint received 2017-12-07
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: EQUIFAX, INC. (NY)

Hi, i have tried to get this resolved with equifax customer service and they have not been helpful in removing these fraudulent inquiries on my credit report. These are the lists of inquiries on my report that i did not authorize and want removed. 

1.XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX 6.XXXX/XXXX
Consumer complaint received 2016-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AZ)

I purchased a car with a loan from Santander USA. Due to my being XXXX and limited toa fixed income, I got behind on my payments. Santander made an agreement with me to allow me to pay a certain amount and have time to catch up the payments. After I had paid the agreed upon amount, the vehicle was repossessed within a week. This was after paying them for almost 3 years and having a little more than a year to go on the loan. They sold the repossessed car, by their choice, then reported a debt on my credit report of more than {$1500.00}. 

The negative report they have given me has blocked my credit for the past 3 years. I 've asked them to remove this debt from my credit report since they repossessed the car AND sold it. - They 've left me with nothing after all the money I payed them and they are ruining my credit with this unfair debt.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

During the first week of XX/XX/2021, my parents and I have been receiving calls and voice messages from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( that is connected to Navient ) harassing us to force us to pay more for my private student loans, which I have paying for timely every month now for the past three years. They want us to pay a balance due as of XX/XX/2021 in the amount of {$6900.00}, which we can not and would not be able to afford. I have had to deal with the same company before, and I do not wish to talk with them because I do keep up with the full amount due each month for each loan. I am still going to work on getting my loans transferred to another company that will better settle the issue, and I would appreciate that the same aforementioned company not harass us anymore. Thank you.
Consumer complaint received 2021-02-09
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. (NC)

Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.
Consumer complaint received 2017-12-07
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: Experian Information Solutions Inc. (ND)

I have disputed the XXXX/XXXX asking that Experian investigate for fraud but they have still failed to block the negative information from my credit report. As per FCRA credit reporting agencies must block fraudulent information from a consumers credit report within 5 days or receive sanctions. Please remove this derogatory item immediately.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To all representatives rectifying this situation, These companies listed have dismissed my attempts to rectify my situation. I sent them a letter on XXXX XX/XX/2020 to inform them of the inaccuracies on their reports. These companies have completely dismissed my efforts to rectify my situation and continue to report inaccurate information. I am cognizant that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 126 days ) and they have failed marginalized my situation and decided not to update me on my situation. I'm also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 126 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the Equifax data breach and this may be the result of this nefarious activity on my reports.