davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Contacted Bank of America about NSF fees. Explained that XXXX creditors XXXX and XXXX XXXX had double debited my account and the reversals of the second debit were in process with XXXX companies. I advised that this situation had caused my most recent overdraft situation and would like some concession of NSF fees at {$35.00} each. Representative read me the relevant disclosures about keeping sufficient balances in my account etc. Since overdrafts are decisioned electronically the cost to the Bank is in the pennies at most. The cost to their customers however, is {$35.00} each. This seems to be an exorbitant profit margin on that " product ''. The profit on the forced sale of bank penalties is probably in the 5,000 % range over the cost of providing the " service ''. The bank should have the strategy and the process in place to quickly and efficiently process alternative ways of responding to its NSF policy and strategy when long time customers clarify a real life, verifiable, predicament. This NSF revenue or profit center is a dishonorable way of making profits and delivering shareholder value for a large publicly owned institution.
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hi and Thank You! 

First when XXXX called me from Portfolio Recovery she said this conversation will be recorded and I approved it so they have a recording of what transpired on XXXX XXXX, XXXX. 

I have XXXX XXXX XXXX credit cards that I had to stop paying on in XXXX. XXXX XXXX sold this debt to Portfolio Recovery. 

I contacted by email Portfolio Recovery XXXX XXXX, XXXX by email to offer a settlement of {$2500.00} on a {$5000.00} dollar debt but with interest and penalties they want {$5800.00}. 

I received a call from Portfolio Recovery yesterday and spoke with XXXX. She offered me a settlement on one of the credit cards that was {$24000.00} @ # XXXX and the XXXX XXXX XXXX credit card totaling {$2100.00} @ {$1300.00} and the third XXXX XXXX credit card totaling XXXX @ {$770.00}. 

XXXX asked me for {$2500.00} to start and {$86.00} a month for 13 months totaling {$3500.00} and requested my chiecking account number and routing number. 

I asked XXXX to send me a email or letter first showing these new amounts of money she just told me about and confirmation of the new balance of {$3500.00} and she said it was above her head and put her manager on the phone XXXX. 

XXXX then proceeded to request my checking account number and routing number and i said please send me a email or letter with this new arrangement for payment and he said it was against his company policy. 

I am willing to pay this new amount of {$2500.00} to start now by Certified check only and {$86.00} a month for 13 months totaling {$3500.00} but they will not send me a email or letter first confirming this new amount. 

Please advise. 

Thank You
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates bo ught a debt from   XXXX   XXXX   XXXX    w hich was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in   XXXX  . Now  Portfolio Recovery Associates  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!
Consumer complaint received 2017-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (OR)

I attended  XXXX   XXXX   XXXX   XXXX ,  XXXX  through  XXXX ,  XXXX  and received my Associates in  XXXX   XXXX   XXXX   XXXX  with a GPA of  XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that  XXXX  had a close relationship with employers, who had several training points that  XXXX  would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world.     I owe {$30000.00} in my federal loans. I am not able to pay them back. I am currently in forbearance but my interest continues to accrue. I have paid several  XXXX  dollars in interest in the past  XXXX  years and am not able to keep up with the growing interest, or pay back a significant amount of the principal.     The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge.   In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study.            XXXX   XXXX
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

The customer relations staff at this company continue to IGNORE our problem and concerns. The keep supplying the same answer despite at least 7 times being told that this is not information that is made available to us as credit union members. They can now answer to this legally in a court of law as this is in the Oregon Justice Department and we are seeking legal counsel since they have been unwilling to do anything except patronize us. I hope in the future for the sake of other customers that they hire some people who actually are able to understand and resolve issues. We are not going to stand for being accused of fraud for paying our credit card payments from our own bank account.
Consumer complaint received 2017-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

The student loan company has my correct contact information. I have spoken with several representatives in the last month and have verified my telephone number and address numerous times. The company continues to harass my family and friends even though they have my contact information. The harassment has expanded to my extended family and now at my place of employment. There is no reason the company should be contacting anyone else but me. They have all my contact information.   Additionally the company is giving myself and my co signer incorrect loan information and they have taken money out of my account without authorization. The representatives call and state the loan is in default but payments have been made monthly for the past year as part of an agreed payment plan. The customer service has been horrible.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ABR Recovery Services LLC. (FL)

In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my XXXX credit report. I immediately filed a dispute with XXXX  stating the account was not mine. I was informed by XXXX that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. XXXX contacted me again to say that the collection agency still reports it is mine. I was told by XXXX to contact the collection agency because XXXX does is contact the company and the company says it is mine an that's the end of the story. I contacted ABR, albeit reluctantly because I felt like XXXX did not do their due diligence and I am afraid of repercussions from the collection company and XXXX. At ABR I spoke with XXXX who stated that the account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with XXXX was over 700 and now it is down to like XXXX. That should not be allowed especially because it is false information.
Consumer complaint received 2017-05-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

2 creditors that seem to lack logic and adequate information to paid services is 1. Equifax 2.    XXXX  On   XXXX   XXXX   XXXX   I made a final payment to the collector "   XXXX   XXXX   '' located in Florida used by  XXXX   XXXX   XXXX  to pay a debt of  XXXX  which as finalized on  XXXX   XXXX ,   XXXX   I called  XXXX   XXXX   XXXX  today (  XXXX  ) regarding the wrong information still posted on my credit report by both creditors stating i still owe  XXXX  which is a complete lie and fraudulent accusation against me.  XXXX   XXXX   XXXX  in turn called  XXXX   XXXX  with me on the line (  XXXX  convo ) asking to have me removed as i show a {$0.00} balance on thier records,  XXXX   XXXX  complied with the statement the case of owing {$480.00} has been paid in full and is now closed. But the creditors they claim they reported this too have ignored it and refuse yet again to comply. I have had it with this nonsense of these entrepreneurial companies playing with peoples lives like mine
Consumer complaint received 2017-05-09
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: EQUIFAX, INC. (PA)

I wrote Equifax,   XXXX   XXXX   on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX    c ompanies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   bill fo r {$1400.00} not off  XXXX   XXXX   XXXX   XXXX   {$490.00},  XXXX  company for  a car lo an {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I be lieve the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.
Consumer complaint received 2017-06-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have been disputing this account on my Report since  XX/XX/XXXX when I noticed that this appeared on my report.
I have asked both   XXXX   ( CRA ) as well as  XXXX  ( Creditor ) to furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .   XXXX   does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.
I have spoken to   XXXX    several time after each dispute requesting documentation, the person who is verifying this information and the method that   XXXX    is using to verify. I was just told by a Supervisor  XXXX  ( would not furnish last name ) at the Dispute dept. of  XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.
This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.
Why do we have laws and acts if CRA 's can circumvent these laws so easily?
<P/>
I have provided the information below on my dispute history.
<P/>
This is a summary of your   XXXX   Credit File activities within the last 365 days.
We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized   XXXX   to deliver online.
<P/><P/><P/><P/>
Results   XXXX   COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Viewed  XXXX  PENDING XX/XX/XXXX  XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX Expired   XXXX   COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX     XX/XX/XXXX  XX/XX/XXXX  -  XXXX  COMPLETED XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

In XXXX XXXX I had an American Express, XXXX XXXX credit card. In XX/XX/XXXX I canceled the card for I was not traveling as much anymore. In XX/XX/XXXX I received an offer for a new XXXX XXXX American Express credit card. The offer stated I would get XXXX bonus XXXX XXXX points after spending {$750.00} in the first three months. I applied on line, and received the card inXX/XX/XXXX ( American Express letter datedXX/XX/XXXX ). Neither the initial offer nor the letter accompanying the card mentioned any restrictions related to the XXXX bonus points. Out of abundance of caution, before using the card for the first time, I called American Express and I was told by the agent that I was qualified for the XXXX bonus points. However, after spending the requested amount I did not receive the bonus. I called American Express, and I was told that it would take 6 to 8 weeks to get it. The bonus was never posted to my XXXX account, so onXX/XX/XXXXI called again. This time I was told that I did not qualify for the bonus because I previously had a similar card. On XX/XX/XXXX I contacted American Express for the last time. I tried to use e-mail, to have a written proof of the discussion, but this form of communication is not supported by the American Express web-site. So I had to use online chat. I explained the situation, but the agent wrote back that I was not qualified for the bonus. She provided a pointer to American Express terms and conditions. The documents referred to by the agent are enclosed. Neither one mentions the restriction invoked by the last two agents I communicated with.
In my opinion American Express has the OBLIGATION to give me the XXXX XXXX XXXX bonus points for the following reasons : -The offer sent to me did not mention any restrictions related to previously having a similar card.
<P/>
-I met the requirements of the offer ( I spent over {$750.00} in the first three months ).
<P/>
-Two American Express agents confirmed that I was qualified for the bonus.
<P/>
-The Terms Conditions documents provided to me by an American Express agent did not mention that restriction either.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (PA)

Multiple times per day, we receive phone calls from Diversified Consultants. They are apparently a debt collection agency, but we have no debts. We 've asked why they are calling us and there is no explanation. There are quite a few different numbers that they come from but as soon as we pick up the phone they hang up the call. We are trying to run a business but tending to these nuisance calls is really beginning to decrease productivity. We 've also missed other important calls while dealing with these. Many times we 've called back the number that calls us and each time we speak to someone and request that we be added to their Do Not Call list. They tell us that we are not on the list of numbers they have to call, but that is obviously a lie. Our phone number is  XXXX  and it is listed on the state and federal Do Not Call Lists. The last harassing call we received was from   XXXX  .
Consumer complaint received 2017-06-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked bo th Equifax ( CRA ) as  well as  XXXX   ( Creditor ) t o furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX . Equifax does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to Equifax several time after each dispute requesting documentation, the person who is verifying this information and the method that Equifax is using to verify. I was just told by a  Supervisor   XXXX   ( wo uld not furnish last name ) at the  Dispute dept.  of Equifax that Equifax does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your Equifax  Credit File activities  within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized Equifax to deliver online.  <P/><P/><P/><P/> Results  XXXX  COMPLETED   XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have sent you a written request to validate my debt having with   XXXX   XXXX   company and received a letter in the mail with an account number and the collection name but not a signed contract or any form of verification linking me to this account via contract. What is even more concerning is that after careful review of this account, the account is listed, not once but TWICE! After reaching out to the collection company, they refused to remove the accounts and informed me that they do not have to verify the debt because they are not the original creditor. Now, I am attempting to resolve this matter with the Equifax to resolve this unlawful practice that is negatively effecting my borrowing potential and credit worthiness. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}. I would love to resolve this issue without getting other parties involved and restore my trust in your credit reporting agency.