davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing to provide further updates and evidence related to my ongoing complaint filed with your agency, under the complaint reference number # XXXX. This correspondence serves to continue the existing complaint with additional crucial updates aimed at substantiating my case against the unauthorized use of my credit card. 

Updates and Additional Documentation : 1. Identity Theft Report : I have formally filed an identity theft report to address the unauthorized transactions made using my credit card. A copy of this report has been attached for your review.

2. Fraud Alert Placement : In response to the fraudulent activity, I have placed a fraud alert on my credit profile with the major credit bureaus. Documentation confirming this action is attached. 
3. Dispute Letter and Attachments : I have submitted a dispute letter to the company involved, following the guidelines and using the template provided by identitytheft.gov. All pertinent attachments accompanying the dispute letter are also enclosed. 

Recap of the Original Complaint : The issue at hand involves unauthorized transactions made with my credit card since XX/XX/XXXX while I was out of town. These transactions encompass a range of activities, including shopping and dining, amounting to substantial financial losses on my part. Upon detecting these fraudulent activities, I promptly contacted my credit card issuer, Bank of America, on XX/XX/XXXX, to initiate a refund claim. Despite my immediate action, the investigation conducted by the bank concluded unfavorably for me, with the bank asserting that the transactions were not fraudulent. This decision was largely based on their observation that the physical card 's chip had been used, suggesting the transactions were legitimate. 

Consequently, my refund claim was significantly undervalued at {$2700.00}, instead of the actual {$8600.00} loss incurred. I have since provided evidence to the bank verbally, including my absence from the country and city at the time of the transactions, to challenge their initial findings. Although the claim was reopened, the disputed amount remains unchanged, and communication from the bank has ceased for over a month. Compelled by the fear of accruing interest charges and the potential impact on my credit score, I felt obliged to settle the full balance, despite being a victim of fraud. 

Given these developments, my appeal to your agency is for assistance and guidance in rectifying this grievance and achieving a just resolution, specifically in securing a full refund of the losses incurred due to these unauthorized transactions. 

I appreciate your attention to these updates and look forward to your support in resolving this matter promptly.
Consumer complaint received 2020-07-17
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2015-12-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

I used a hospital XXXX service earlier this year. All costs were disclosed to me in writing, and all were settled. Months later I receive a bill from a phony " physician management company. '' I never even saw a physician. I found out that this XXXX LLC company does NOT exist under the laws of that state according to their Department of State.There is no such name as XXXX XXXX XXXX XXXX. They listed a p.o. box as their address, which is not allowed. Now this phony company has contracted with a debt collector, Transworld Systems , Inc., to collect on a fake debt. The state of XXXX tells me that this company is actually a front for a XXXX Corporation System, XXXX XXXX XXXX, XXXX XXXX XXXX. This phony " physician management company '' is in collusion with debt collectors and both are preying on people and trying to extort money for services never received. If there is no company, then there is no debt, and both this bogus company and the debt collectors are guilty of theft by fraud. Please break up this ring of thievery and please prosecute these people.
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MS)

This company was added to my credit report I don't know why they call and I tell them it's not my account and don't have any past debt with them and don't know who they are never did paper work with them
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (VA)

I received a form collection letter from a company called Penn Credit Corporation stating I owed {$160000.00} in back taxes. I immediately called the company as I do n't owe the State of Maryland anything. According to the company 's form this goes back to 2009. I live in MD for four months temporarily in 2009, my employer filed the -2 and my tax accountant filed all the necessary tax returns. I can not get this company to call me back. I only get a recording that does not announce their name and asks the caller to leave a message. I was becoming more suspicious of this company/activity as I researched further. I called the State of MD Controllers office and they put me through to Tax Services. I gave them the information on the form letter and the woman on the phone said that this must have something to do with the audit of the Stats of Maryland and they could n't find documents. I asked her when that became the taxpayers problem that they could not locate records and she of course was less than useful. I asked her where balance due came from on the collection notice I received and she said " they just put my income in there ''. I asked her again where the income on the collection notice came from where because I did not make that much money in the state of MD and wish I would have. Again no help, no answers. This is unacceptable and as of today, Tuesday, XXXX XXXX at XXXX I have not heard one word from Penn Credit Corp .
Consumer complaint received 2017-07-25
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. (AZ)

I have disputed acct XXXX for credit bureau associates and requested they validate the debt by sending copies of the documents they have in their files that were use to validate this debt not simply responding with *verified yet they keep reporting it on my credit report i know it will automatically fall off on XX/XX/XXXX but this does not belong to me
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Please remove any inquiry that is on my report below listed as my identity has been compromised. The person who sole my identity has been arrested and has been indicted. Here are the inqurieis. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a wrong account " XXXX XXXX '' on my Experian credit report which declared as " Serious delinquency '', " Potentially Negative ''. I did submitted the dispute to the credit report company Experian twice but they responded that the account belongs to me. The account was opened on XX/XX/2017 in Texas. In the dispute I have provided all my information to the credit report company Experian and verified the addresses as well. But still the result came that the account belongs to me. I used to receive calls from a XXXX XXXX XXXX department named " XXXX '' for settlement XXXX calls I have notified them that " I'm not the right guy that you're calling ''. In the calls they took my date of birth and verified that I'm not the guy that account belongs to. but still the account resides on my Experian credit report. Please advise the next steps to eliminate this account from my credit report which is really hurting my score and other. Thank you your help would be much appreciated.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ULRS, Inc. (CA)

This debt is intentionally being mis-reported on my credit report It is reported as XX/XX/XXXX, but they admit that it is XX/XX/XXXX It is being mis-reported in an attempt to collect on a debt that is out of statute
Consumer complaint received 2020-07-17
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1.  XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1.  XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I keep paying my Navient balance. However, they always seem to apply it all to the interest and none of it to the principle. Therefore, my student loans have not dropped. I called them about it, I keep getting disconnected. This organization is run by crooks. I asked them to send me a statement on how it 's being applied. I have paid more than the statement. It 's getting misallocted.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

Ditech sent me a letter in XXXX letting me know my escrow was short. After hours of investigation I found out my oroginal title closing attorney never paid my taxes that were collected. I finally got that money collected and sent it directly to ditch, letting them know about the situation. Called them to notify them that was the 6 months city and county taxes that needed to go directly to my escrow. And to order a escrow anylasis a couple weeks later so that my monthly payment should go back to where it was suppose to be. They did not do as I told them, and put half of my tax money in to my principal. Now they are calling me telling me my account is delinquent, its going to effect my credit, threatening me, and saying they cant order another escrow anylasis. They are adding additional late fees etc. after I was told to only pay the regular mortgage payment, not the increased.
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Harris & Harris, Ltd. (IN)

On XXXX XXXX, XXXX, I submitted a do not call request to Harris and Harris. On XXXX/XXXX/XXXX Harris and Harris acknowledged my request not to be contacted via the telephone and that they would send all communications through the US Postal Service. However, Harris and Harris continues to call my telephone number. Specifically, Harris and Harris contacted me on XXXX XXXX, XXXX, at XXXX and XXXX XXXX, XXXX, at XXXX in violation of 15 USC 1692c.
Consumer complaint received 2024-02-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On my Bank of America credit card ending XXXX there is a transaction from XXXX XXXX on XX/XX/2024 for {$210.00}. Following details copied and pasted from BofA XXXX : XXXX XXXX XXXX OH Transaction date : XX/XX/2024 Card type : XXXX Transaction type : Purchases Merchant description : DEPARTMENT STORES Merchant information : XXXX, OH Reference number : XXXX Merchant Name : get more information about merchant name change XXXX Select to Edit the merchant name Transaction Category : get more information about transaction category Shopping & Entertainment : XXXX Select to Edit the transaction category Online Purchase : Y I have returned this purchase and have been unable to get a refund from XXXX XXXX  They've acknowledged that it has been returned ( email confirmation attached to this complaint ), but yet have not issued a refund. I have tried to initiate dispute on Bank of America portal, but it gives a message that I should call in. When I call in, they tell me that I can submit a dispute online. Please issue a credit for {$210.00}.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX XXXX and Knight Adjustment Bureau XXXX are reporting for the same debt on my credit report. Per the FCRA in my investigation two different companies can not report the same debt on my credit report. This is a violation and this debt has been paid, it needs to be removed from my credit report.
Consumer complaint received 2020-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NY)

Credit card issuer 's online automatic payment feature duplicated different debit/ amounts ( {$300.00}, {$120.00}, {$120.00}, etc. ) from my bank account for 1 single payment date ( 6/15/18 ). Several calls were made to the issuer to resolve and reverse erroneous, subsequent debits. Issuer claims " 14-21 business days of research is required '' before any funds can be reversed/returned. In the meantime, I have cancelled all future automatic payments.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JH Portfolio Debt Equities, LLC (VA)

On XX/XX/19 i settled a debt with JH Portfolio Debt Equities for {$630.00} and on XX/XX/19 i settled a debt for {$1200.00} with the same company JH Portfolio Debt Equities. I received a letter stating that both accounts had a {$0.00} balance and that it was paid in full.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I paid down my mortgage to {$0.00} before XX/XX/XXXX. 
Citizens confirmed by email that they would still use the autopay ( that has worked for the last years without issues ) to pay escrow/interest etc. 
Their Autopay function did not work, no money was taken out of my account. 
I sent checks, paid of the remaining balance, and what I was due ( " total due '' ). 
They keep sending me letters saying I owe them more money ( and other letters that I paid off my loan ). Their phone system does not work ( no representative ), I went to their branch, but mortgages are not serviced there, I wrote emails and letters. 

It really seems they do this on purpose when you pay off your loan, they try to trick you into not being able to end the loan.
Consumer complaint received 2020-07-17
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. (DE)

In XXXX of 2020 XXXX XXXX XXXX XXXX removed a tradeline from my credit reports due to fraud. I submitted police reports ftc report etc. and it was proven to be fraud. A month later they replaced the trade but changed the amount. I reached out to them several times even filing a complaint with the XXXX XXXX XXXX This company is going behind peoples back and stealing their info to boost sales. They are violating my rights by reporting false and inaccurate information
Consumer complaint received 2018-03-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (AZ)

I have a 30 year fixed, VA loan at 3.25 % with Mid America Mortgage. 
My payment has historically been XXXX/month until I was notified that my payment would increase to XXXX/month beginning XX/XX/XXXX and another increase to XXXX on XX/XX/XXXX. I was told that this was due to increases to insurance premiums. 
My insurance is only $ XXXX/year and the cumulative increase from XX/XX/XXXX to XX/XX/XXXX is XXXX or XXXX/year. I was already paying PITI monthly when my payment was XXXX/month so something is drastically wrong with the management and administration of my account. 
I have brought this to their attention ( Your reference/ticket number is XXXX ) but no one is responding to me. When I attempt to call customer service, the automated menu system does not recognize my SSN or account and dumps me out.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

This company has not sent me any verifying information on this alleged debt. I had requested the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099c that was filed when they charged off the account, the truth in lending disclosures, the opt out disclosures and much more. To date they haven't even given me the truth in lending disclosures to verify this alleged debt. Thus proving that they are in violation of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2022-03-01
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. (ME)

There is a medical collection showing on my Equifax credit report that should have been deleted MONTHS ago. This collection is from XXXX  XXXX  in XXXX, ME and the medical practice it is from is XXXX  XXXX XXXX, who agreed to DELETE this collection several months ago and requested XXXX XXXX to send a DELETION REQUEST to Equifax, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against Equifax AND XXXX  XXXX  and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. I contacted the credit bureaus for a more thorough investigation. They removed all the items except for two items reporting on my XXXX credit bureau from a company called LVNV Funding that I am positive are not my accounts.