davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your  company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

Successfully received and transferred cryptocurrency via Binance.US on XX/XX/XXXX. As of XX/XX/XXXX, I was no longer able to access the funds ( now USD ) that are being held in my Binance.US account. Multiple trouble tickets and messages were sent via the company 's website and their XXXX page. The only emails received were auto-generated, and the company has replied only once on XXXX with no additional follow-up. All verification procedures required by the company have been completed. I appear to be one of hundreds of customers dealing with this matter. No public statement has been issued by the company, and no timeline stating a resolution to this matter has been released.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid 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 (AZ)

On XXXX XXXX the day before XXXX XXXX XXXX holiday, I selected to make a minimum payment and strangely, the whole balance payment was selected as well. Both payments were made at the same time and on the same transaction. I immediately called the next business day, XXXX XXXX, to stop the extra payment made in error. The XXXX statement showed 2 transactions on XX/XX/XXXX for the amount of {$1600.00}. XX/XX/XXXX, I received a letter from Bank of America telling me my payment was returned unpaid! The minimum payment was left in place. XX/XX/XXXX, I called BofA and was assured the letter was sent in error. However, the XXXX statement showed another transaction on XX/XX/XXXX for {$1600.00} and the balance had an increase of the exact error payment of {$1600.00}. XX/XX/XXXX, I went in to a BofA branch and spoke to the manager who informed me I had to speak to the credit card department. XX/XX/XXXX I called BofA to ask that my account be audited. The problem was not corrected on the XXXX statement. I mailed signature required letters to BofA on XX/XX/XXXX and XX/XX/XXXX asking for my account balance to be corrected. XX/XX/XXXX, I received another form letter and the balance is still incorrect. BofA has ignored my numerous requests to audit the account since XX/XX/XXXX.
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (KY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I went to XXXX XXXX XXXX XXXX  to get my credit report from all three agencies. 

Equifax stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

XXXX XXXX and XXXX  did not provide credit scores and had additional steps to retrieve these scores.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020, my purse was stolen in XXXX, TX. My Bank of America Business debit card was used with unauthorized charges in the amount of {$1400.00}. I reported my card stolen to the XXXX Police Department as well as to Bank of America and opened a claim. I was told by a Bank of America claims specialist that I would receive a temporary credit on my account until the investigation was complete. I never received a credit to my account, nor have I received any written correspondents from Bank of America, in regards to this claim. On XX/XX/XXXX, I called Bank of America, and learned that the investigation had been closed, and they couldn't prove fraud because of XXXX transactions day before my card was stolen, and because whoever committed the fraud didn't exhaust ALL funds in the account, which is not usual fraudulent activity. In result, Bank of America is finding me responsible for fraudulent activity on my stolen debit card. This decision is unethical and unjust. The consumer should not be held responsible for any fraudulent activity on a stolen debit card.
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY IS ATTEMPTING TO RECOVER FUNDS I DO NOT OWE. THEY ARE WORKING WITH XXXX  XXXX TO RUIN MY CREDIT WORTHINESS. I LITERALLY LOCKED MY CREDIT AFTER ALL THIS NONSENSE. 

I DON'T OWE. I RETURNED THE BOX. THEY LOST THE BOX. IT IS NOT MY FAULT. I DON'T OWE YOU MONEY. OR XXXX  XXXX. OR XXXX. OR ANYONE ELSE IN THIS MINAJ OF XXXX 

LEAVE ME ALONE. 

IF YOU PERSIST, I WILL BE SUING YOU UNDER THE FCRA AS AN AGENT OF XXXX  XXXX OR XXXX. WHOMEVER. I DON'T OWE YOU ANYTHING. 

LAST WARNING. NEXT COMMUNICATION WILL BE A SUMMONS, COMPLAINT, OR SUBPEONA. TRY ME. 

XXXX XXXX, XXXX
Consumer complaint received 2020-08-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened Citi Priority Account Package around XX/XX/XXXX, which will give me {$700.00} bonus if I leave $ XXXX there for 60 days. It has been 5 months, but I still didn't receive my {$700.00} bonus. 
I put {$50000.00} in my saving and checking accounts since the day I opened the account, they promised me I'll get {$700.00} as long as $ XXXX is there for 60 days. I asked them why they didn't give my bonus after 60 days, they told me to wait patiently and the bonus will be in my account within 3 months. But I still didn't get that after 3 months. That's why I file this complaint. This is their official link for the bonus XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I received an email claiming I owed PayPal {$470.00}. I Called the number on the email, XXXX. The caller had me download XXXX which they used to access my bank account. I foolishly helped them do this - not Smart! Lost {$500.00}! 

There's the email : -- -- - Forwarded Message -- -- - From : XXXX Account XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/2020, XXXX XXXX CST Subject : Bill Payment Received I'm an image I'm an image Hello This is just to let you know that your order has been confirmed. 
Instruction to merchant You do not have any special instruction for the merchant. 
Payment Method : XXXX XX/XX/2020 Purchase ID : XXXX Payment XXXX Issue with Transaction You have 24 Hours from the date of the transaction to open a dispute. 
For assistance Call XXXX. 
I'm an image Alternate text Please do not reply to this email. This mailbox is not monitored and you will not recive a response.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. 

1FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

Paypal is fraudulently declining financial transactions to withhold cash-back award potential. Despite having a long established relationship with this vendor they have begun declining all transactions on business debit card ending in XXXX. My PayPal account is in good standing and is secured by a long standing link to my financial accounts at XXXX XXXX. Paypal despite repeated attempts to contact them by phone has zero support available and chat support takes hours and days to respond and do so with scripted messages that do not address the concern. When formally asked to escalate the concerns no additional action is taken nor additional contact made. PayPal is fraudulently declining transactions in an effort to deprive me of my cardholder right to receive cash-back rewards and unjustly enrich themselves through theft by conversion. Account ID : XXXX debit card end XXXX
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have filed a dispute through XXXX Credit Company. The company, Portfolio have not replied. This company is working for XXXX XXXX. While I wait for them, the wrong information they put on my file is still in my file. 

I also have inquires in my account that I will imagine is related to this people. 

I have two credit inquires that they need to take out of my account. I am a victim of credit card fraud. I have also filed an FTC report. 

Just wondering what gave this people permission to put this false information in my file.
Consumer complaint received 2020-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (NY)

Our country is still suffering from a NATIONAL pandemic with the Coronavirus. We live in XXXX and are a family of XXXX, our XXXX growing kids,XXXX and XXXX. My husband lost his job during the pandemic. He was owed back unemployment wages that he is still trying to collect. He recently just lost the supplemental assistance PUA as well. I am a XXXX XXXX XXXX who is now the sole contributor to all our expenses and livelihood.When the virus struck, many companies proactively reached out to consumers to let them know that they would be forgiven for late payments or given extra time to pay without consequences. Not Westlake Financial. This company continued to call and harass us during  this very distressing time. We made arrangements to pay when we could, but we were treated so poorly and shamed about even having to ask!! There were times when we were called and bothered no less than 5 times a day. While people were dying daily by the hundreds in XXXX. This type of behavior is despicable. Our mayor and governor have halted rent and mortgage payments so people have a chance to recover. Not Westlake, who once again after the time that they first granted us an extension, immediately started calling with the harassing calls daily. Also, my husband was berated by the " customer service '' reps that he always had to request to speak with someone else.Last week, our refrigerator broke after a storm in our area took out our power. My husband drove to XXXX XXXX to try to buy a part so we would not have to purchase a new one. While he was in the store, our car was REPOSSESSED by Westlake. Without notice! We were 2 payments behind. For this company, that is not much, but for us it is huge. To think at this time that they would repossess a car after only 2 months is shameful. Not only did this happen, but the way my husband was spoken to on the phone was embarrassing. As if we were XXXX trying to evade payment. We borrowed the money to get our car back because we do need our car as there were NO other options presented by the company. We asked for a payment plan, more smaller payments, etc. We have always stayed in contact with them during this time to let them know of our situation, but it has always fallen on deaf ears. We were given an extension but we were made very sure that our contract would be going longer.I can not understand how a company that serves the public can operate with so little compassion.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: T.S. Holdings (VA)

For 3 years I have tried to get XXXX at XXXX IQ data to remove their error of my credit report. I went to court with them on XXXX occasions due to their property manager at the time saying I and a couple of other residents were not paying rent which wasn't true. Each time, she would find it and the case was dismissed or non suit. Well prior to her I got sick ( XXXX ) and filed bankruptcy. I complained about mold in my apartment and reported it, the inspector came out and gave my apt violations. The manager became angry did some digging and when I moved out later I received collections from IQ data my previous bill that I filed bankruptcy on {$4100.00} from XXXX at XXXX. I showed all my paperwork to several mangers which told me the manager that did the dirty deed was no longer there for other underhanded things and embezzlement ; which I already knew it was talk all over the complex. I could care less I want this removed from my credit.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX  ) and University XXXX XXXX ( XXXX  ) misreported and kept my credit score at a low, causing me to enter into several deals with a higher-than-deserved interest rate for the last two years. Currently, this misreported score is keeping me from using my VA Home Loan to buy a house at a fair interest rate. 

From XX/XX/XXXX to XX/XX/XXXX, I attended XXXX to complete an XXXX ( XXXX XXXX XXXX ) studies. In XXXX, I took a private student loan from XXXX, who assigned it account number XXXX. I did not make payments towards the loan in XXXX, so XXXX sent the account to a collections agency, XXXX, who kept the account number as XXXX. On XX/XX/XXXX, XXXX and/or XXXX reported the delinquency to Experian. 

On or about XX/XX/XXXX, I entered into a repayment plan with XXXX agreeing to pay {$55.00} per month on the loan. Neither XXXX nor XXXX reported this agreement to Experian. 

A few months after entering into the repayment agreement, XXXX changed their accounting system/software, which involved reassigning my account number from XXXX to account number XXXX. XXXX and/or XXXX reported to Experian that I had two delinquent accounts. 

On XX/XX/XXXX, after learning of the misreported information, I contacted both XXXX and XXXX. They have informed me that they would " fix '' the situation. XXXX and/or XXXX reported to Experian that I had entered into an agreement, but failed to inform that I have not been delinquent in payments during the last two years and a half. 

Now, I have 15 days to close a deal on a house through VA and I will be obliged to enter into a mortgage agreement with a higher-than-deserved interest rate because of the misreporting by XXXX and/or XXXX
Consumer complaint received 2023-01-09
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. (NV)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

In XXXX I was financed for a vehicle by Ally Financial. The car was paid in full and was considered closed in XXXX. 

However, now as of XX/XX/XXXX, XXXX the Ally Financial Account XXXX all of a sudden in reporting on my credit as a REPOSSESION-???!!! 
I have not been able to reach any one from Ally Financial or the credit bureaus and I am in the middle of financing!!! 

It is imperative that the account is corrected or removed from my credit all together. I am not sure what is going on but a lot of weird things have been going on since this pandemic has started. On the other hand- I will have to get a common law attorney if the situation is not resolved immediately or if I lose financing because this HUGE ERROR.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

Several years ago, I was in a bit of financial trouble. I asked for a temporary freeze on my account to help me get through it. I was granted the request allowed the auto pay from my account for a year. I continued to make payments over the course of the following year and have almost paid the debt completely off. All payments were made on time and at larger sums that previously. My credit score is the highest it has been in the last two years but I just received an email that my account is being closed due to my credit score.  How is this possible when its the highest it has been? I reached out to customer support to see if my account was going to be closed in XXXX since I noticed I wasn't able to use the card yet. He replied no my account wasn't going to be closed yet a couple months later it is. Now by closing this account you are hurting my credit score that I have worked really hard to build back up again. Your reasoning makes no sense, and how convenient once you get your money you close my account but not 2 years ago when I had a higher balance.
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX A ( XXXX XXXX XXXX ) {$1000.00} and LVNV FUNDING LLC ( XXXX XXXX XXXX  XXXX XXXX ) {$340.00}. have been reporting to my credit report. I have never opened account with XXXX XXXX and XXXX XXXX. I have called and no response. I have a FTC Affidavit.