davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (GA)

Upon receiving a settlement the debt was paid in 2008 about. Once the bill was paid I decided not to use credit card and last year I received a bill for {$7700.00} from Unifund CCR , LLC. I have contacted them to let them know I did not accrued this bill they have taking me to court. I requested a copy of the purchased items I need to know if someone has used my name to make these purchases. I do not wish to pay someone else bill please help me clear our name. 
I do not own credit cards by choice since 2008 due to my family and I spending our time in the hospital with our youngest daughter receiving XXXX. 
I contacted the first company that sent us this bill Pilot Receivables Management , LLC they told us they no longer own this bill that I needed to contact Distresses and Asset Portfolio IV, LLC. I contacted them they no longer had the bill and that Unifund CCR , LLC had it I am so tired I need someone to look into this matter. 
We desperately need this forged bill to be taking care of. Please help.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I got a pre-approval letter for the amount of {$250000.00} from Bank of America Home Loans, XXXX, WA. On XX/XX/XXXX, I made an offer ( {$230000.00} ) to purchase a home located at XXXX, XXXX, WA XXXX ( MLS # XXXX ), On XX/XX/XXXX, the lending officer XXXX ( NMLS ID : XXXX ) processed the loan application. 

On XX/XX/XXXX, my agent spoke with her personally I was terminating the purchase contract and I need a new pre-approval letter for the amount of {$270000.00} to purchase a new home, she sent the PDF new pre-approval letter to my agent. On XXXX, I met her and got the physical new pre-approval letter. 

On XX/XX/XXXX, my agent sent the Form 35R to the lending officer the purchase agreement ( MLS # XXXX ) was terminated. On XX/XX/XXXX, I told the lending officer again the purchase was cancelled. 

On XX/XX/XXXX, the lending officer asked me twice how 's the new home purchase? On XX/XX/XXXX, the she sent me the loan withdraw letter ( MLS # XXXX ) ; however, I was charged {$760.00} on XX/XX/XXXX, for the appraisal and credit report. I kept asking her to refund money to me many times but she never reply. 

On XX/XX/XXXX, I met her asked to refund money to me, she refused and said " she received the Form 35R from my agent on XX/XX/XXXX, but it was received after business hours, the appraiser had gone to the property on XX/XX/XXXX, the fee were charged by the third party she can not refund money to me, but she will give me a Price Exception ( {$2100.00} ) for the loan cost when I find another house that would save me much more than {$760.00}. '' I told her she was notified many times the contract was terminated ( MLS # XXXX ), she obviously knew that clearly as she gave us the new pre-approval letter on the new home, and she asked me twice how 's the new home purchase so an appraisal should have never been ordered. 

On XX/XX/XXXX, I filed a claim ( ID : XXXX ) with Bank of America Credit Card Billing Error Department to dispute the {$760.00} charge ; however, the result ( ID : XXXX ) was the same, the fees were charged by the third party can not be refunded. And, they never mention that purchase agreement was terminated and that 's the lending officer 's responsibility to stop the appraisal. I totally disagree with the result of their investigation ; throughout the investigation I have never been giving a chance to submit any relevant documents to support my position. 

I do know that home buyers need to pay the appraisal fee charged by the third party, but I do n't think home buyers have to pay the fee for the mistake made by the lender who had been giving plenty of notice to stop the appraisal. I am a first time home buyer I do not know much about the home buying process, but I believe that I have the right to be treated fairly in the financial marketplace. 

I try to avoid the hassle of a lawsuit please help me to resolve this problem your help would be greatly appreciated.
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Grant & Weber (CA)

Medical billing failed to submit my doctors bill for XXXX. They filed the bill for the hospital, ( witch was paid by my insurance. And did not claim for the Doctors bill, until after 12 months, which was refused by blue cross, for untimely filling. I call the my insurance, who txt me I was not responsible for this bill, even knowing this they put me in collections. The insurance, XXXX, is sending me a letter, to explain it was the Doctors group, who is at fault but will not admit their mistake.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Intercoastal Mortgage LLC (WV)

Inter Coastal Mortgage wired money without confirming the transfer with me personally that ended up being Fraudulent. According to them I requested a transfer of {$150000.00} to be sent to an account other than mine. this should have been confirmed with me personally. It has been XXXX days and I have yet to recover these funds. it is putting a hard ship on my business for someone else 's miss handling.
Consumer complaint received 2017-01-31
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My vehicle was traded to XXXX XXXX XXXX on XXXX/XXXX/16. The original contract was lost by XXXX XXXX XXXX XXXX which caused a delay in the funds being cleared for payoff. The delay and supporting documentation was communicated to Bank of America, but yet their customer service still reported it delinquent to the credit bureau, simply stating there was nothing they could do and that the reporting was an automatic process.
Consumer complaint received 2024-02-12
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: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a XXXX  person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-20
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. (VA)

I submitted a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. My 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

last year I opened a checking account with Chase, and got a {$300.00} bonus for that, but they charged me {$84.00} Federal interests withholding, which was not supposed to happen at all. According to the IRS documents and Treaty between the U.S. and my country, international students are exempt from paying interests tax within their first 5 years. 

When I opened my account, I told them I was an international student holding an F visa, provided all my documents, including passport, XXXX, XXXX form, and also, I filed the XXXX form. 

However, within half a year, they failed to give it back, and they kept asking me to file XXXX form again and again. I think I submitted my XXXX form three times in total. But they still could not solve the problem. So I filed a complaint with Chase, the person said they could do nothing about that and tried to convince me to contact IRS to get my money back from them, which was not making any sense at all. 

Therefore, I filed a second complaint with Chase again. Unfortunately, I have never heard them back yet, it has been another half year, I guess no one in Chase was and will still care my complaint any more, since I have already closed my account.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MO)

I have recently Disputed this matter with XXXX XXXX, and XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

I have recently Disputed this matter with XX/XX/XXXX and XX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

XX/XX/2024 inquiry made on my credit report without my consent I am opting out of my information being furnished to any credit reporting agency without my written consent under the fair credit reporting act this is a violation for any negative information to be furnished as it is impacting my credit negatively as well being a reason why I am being denied credit this is another violation under the equal credit opportunity act
Consumer complaint received 2024-02-12
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on the account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand this payment be updated to PAANL ( PAID AS AGREED NEVER LATE ), also please update payment history to ok. Thank you for your understanding and prompt action.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the tXXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-12
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: EQUIFAX, INC. (CA)

The addresses on my report are not my address. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Following Inquiries are not mine, I did not authorize nor receive any products from these companies : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

In XX/XX/XXXX, My home equity line of credit was sold by XXXX XXXX XXXX, to Specialized Loan ServicingXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, XXXX ) My account was issued the number XXXX, and later changed to XXXX, under the name of XXXX XXXX XXXX. I kept the loan with them until XX/XX/XXXX, when I refinanced through a different company, and the loan was paid off. during the time I was with them, I regularly made my payments each month< and was never late. I even overpaid. The only delay in payment, was in XX/XX/XXXX, due to them, updating their system, and changing my account number. They would not let me make one for a couple of weeks. As soon as the process was finished, I resumed payments. I recently received notice through one of my creditors, that they were raising my rate, due to a delinquency on my credit report through XXXX. Upon investigation, appears that Specialized Loan Service listed many months of delinquent payments to my account. I have documentation from XXXX XXXX showing where each payment was made and received each month, with no delinquency. They even stated to XXXX on a recorded phone call, during the refinance, that all my bills were paid on time. This has severely damaged my credit, and increased costs due to interest rate increases. Copies of monthly payments are attached.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (GA)

OnXX/XX/XXXX I filed a complaint about southwest recovery services about a unverified collection on my credit report the company responded stated that they sent a validation letter before putting the collection on my credit file this is totally false I demand that collection is removed from my report.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Several problems : Bank of America dropped my grandson 's authorization to use all of my XXXX credit cards and also cancelled the auto payment out of my checking account with no explanation. They denied the use of the cards on several important occasions for no reason. They issued new cards with new numbers for their security not mine. They issued a XXXX card that I never applied for just like XXXX XXXX did to some of its customers. They denied changes when my husband recently died although everything was in joint names and legally either party could do everything to the accounts. They treat me like a new customer after banking with them for over 58 years. They keep making changes to many of my transactions with them without any permission on my part. Their records conflict and when I point out that I have a document from them that shows something different it does not seem to matter. 
Thank you for looking into this matter.
Consumer complaint received 2015-12-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (PA)

I have had santander usa as my car loan for 3 years and yes ive made plenty of late payments but i think something is really wrong i purchased the car for XXXX and its been 3 years ive paid lump payments upto XXXX and just to catch up well my car was repo 'd about 4 days ago i got a letter stating i owe XXXX and that once its sold im responsible for the remaining how is it thats its been 3 years and i owe more then what i purchased it for and its only worth XXXX as of today cause i tried to get rid of it just not to have this sitting on my credit but i think something is not right at all i need help i think they have robbed me of all the monthly payment i did submit cause it just looks like i paid interest every single month for 3 years please help.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

Negative late reportings reported by Navient regarding my private student loan to the Credit Bureau. Navient was sending letters to wrong address for months regarding my loan information. Never reached me via phone regarding my loan status. Navient representatives have given me false and inaccurate information pertaining to my private loan for months. Received forbearance for private loan, yet still received negative markings on my credit report to the Credit Bureau.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting 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 2024-02-12
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: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.