davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (CA)

I 've been getting calls for MONTHS from different numbers and different states. They do not state where they are calling from but when I look them up online everyone says its debt collectors. All they say in voicemails is I need to call them back regarding an important financial matter. I 've blocked all numbers they call from and they continue to call from different out of state numbers RELENTLESSLY. When you answer, they just hang up on you they do n't even speak!!
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

My son was XXXX and told the Wells Fargo banker we needed to set up a free checking student bank account before he goes to college. We completely set up the account and then in a few months her turned XXXX and started charging fee. I called to complain and they said they 'd give us no charge as a courtesy for a few months. They said it was a free account knowing it would not be free in a few months when he turned XXXX.
Consumer complaint received 2015-09-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

While I am a unhappy USAA member for other reasons, I decided to post mygrievances within the public USAA Member Community forums. These were about excessively long funds holding times and NSF charges due to regularly scheduled bill payments and these fund being on hold ( although they were from a Cashiers Check ). 

After a few comments and conversation with other members, XXXX in particular " XXXX '' and " XXXX XXXX '' were posting information that only an internal USAA employee wouldhave access too. Specifically the user " XXXX '' knowing that I had filed complaints over the past three years. ( Forum conversation in PDF format is attached ) I would like to know what will be done with this as it is very retaliatory in nature and crossed the line with CyberHarrassment laws ( TX XXXX ). 

I have copies of all correspondence and of the forum posts showing confidential information being posted.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oliver Adjustment Co. (IL)

I am being charged for a medical bill that should have been covered through XXXX, however the bill was never submitted to my insurance company. I was never contacted by the hospital about the bill, and was only notified recently after the hospital sent the bill to collections, and now I owe a debt that I should n't have been required to pay in the first place.
Consumer complaint received 2015-07-21
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (CA)

Irecieved a consumer credit report claiming I was denied for AMEX serve card. upon contacting American Express I was informed that I was approved and there should be no reason on any file to deny my Request since the Credit Company itself did not deny me access.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance :
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

One Main Financial is reporting incorrect loan information to all XXXX of the credit reporting agencies. The loan I took out was established XX/XX/2015 as an unsecured personal loan. This company is labeling the account an auto loan and reporting it the same. This information is incorrect and I 've disputed this with all three credit reporting agencies faxing proof of documentation from my existing loan forms to them. XXXX is the only CRA that is still reporting after 30 days of review/research as this is still a valid coded account. I 'm still waiting for XXXX and XXXX to report back their finding/investigations. I 've also contacted the merchant, One Main Financial regarding this inquiry/complaint and they have yet to address this problem. They are refusing to speak to me regarding disputing my account and how they are coding it to the credit report agencies. ( One Main Financial, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, NJ XXXX, XXXX ).
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

This complaint is geared more towards Experian but all XXXX bureaus fail miserably My complaint is at Experian for the mishandling of XXXX creditors, XXXX and XXXX XXXX. 

The dispute system is broken, all XXXX credit Bureaus do not allow for you to provide proper information or documentation as to why we the consumer are disputing, so as creditors report back they accept whatever the creditor states, without requiring proof to validate their claims and we never get a copy of their response Then both the creditors and credit bureaus use an antiquated ( Snail Mail ) when we have faster ways to communicate, reporting agencies hold XXXX consumers hostage in how they report and cost consumer 's XXXX dollars in their failed reporting and verification procedures
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (SD)

Applied and was approved for Citi AAdvantage Platinum Select World MasterCard. 
Incentive was XXXX XXXX XXXX AAdvantage Miles to be credited to existing AAdvantage account for opening account. 
Credit Card Terms & Conditions make NO reference to a requirement for {$3000.00} to be spent on the credit card within three ( 3 XXXX months. 
In fact, impossible to find any reference to this specific conditions on any documentation provided by Citibank.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CASHCALL, INC. (CA)

I heard a radio ad for getting a 15 year mortgage loan for 2.5 % with NO costs from CASH CALL company here in California. I applied because I had a very high fico score and good income. I was told that I was accepted for a loan. I filled out all the documents and submitted all the documents as required. I was told that I was approved for a loan. Loan documents were submitted to me for signing in front of their notary and the process was completed. I waited to hear from the company and did not hear back. I finally requested to hear a reason and they said that when they did a " FINAL '' review that I had just missed the cutoff for qualifying for the loan. They offerred to do a loan at a higher rate. I told them no way. They said they had the right to not give me a loan based on the " final '' review. I explained that they had made some mistakes not in my favor and that I should have gotten the loan. I told them they wasted my time and that I missed the window to get a great rate because of them. They were the ones that had said I was approved and I deserved the loan as I did everythiung they asked and had CONCLUDED with an official signing of the loan docs which in my book meant the loan was done and completed. They disagreed. I have resented this situation since that time. I was told recently by a loan broker that once the loan was signed that as long as I did everything correctly which I did they had to give me the loan and that their refusal is actually illegal and that they must make good on the loan.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I have been trying to pay my balance of {$8.00} and cancel my Macys credit card and every attempt is either blocked or disconnected. I have also been advised that I now have XXXX Macys credit cards, though I only signed up for XXXX. 

When I attempt to access either account online, I am told my log in information is incorrect. The system will not let me reset my password. 

When I contact Macys by phone at XXXX XXXX XXXX, XXXX XXXX XXXX, and at XXXX XXXX, the call drops right after I enter my account information, or the representative hangs up on me. 

I am not sure how I can pay my balance/close my account if I ca n't reach anyone.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (SC)

Southwest Credit Systems is trying to pin a fraudulent zombie debt on my credit file ( XXXX ) for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information. This is a scam of a company. Fraud! Cease and desist all communications. Remove this fraudulent debt from my credit report.
Consumer complaint received 2015-12-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Bank of America has been my personal Bank or many years. This is the first time I have experienced Bank of America sending me a new debit card to replace my old one. Due to what ever reason they had. I did not get warned of what may happen to my payments that are automatically deducted from the old debit card number. When they did this I noticed late notices coming in the mail and I had to take the time to go to the bank call all my utility companies and others that are on automatic pay which caused me a lot of a mess & time off work. I am still trying to call some of the companies that this happened to so now I have to pay double payments for there mistake due to the change of my debit card number without my consent. I hope in the future we can have a personal phone call of what there doing. Thank you XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2015-06-03
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NE)

My father wired me {$20.00}, from XXXX in the middel XXXX ; while I was in the XXXX. I for got and drove back to XXXX without picking up the money. I have tried to get my money for the last 20 years. I was told that my dad would have to write for it. My father is at this time my father is in his XXXX. I told them it was sent to me I should be able to pick it up and why have n't you sent it back to the sender? I was then told that I would have to go back to XXXX in order to get the money. That no matter what the money has to be picked in the state it was sent to. Then as time went by Money Gram informed me that I ca n't pick the money up no matter what I do, and I might as well let this situation go unless I get my father to write and request the money, I will never get my money. They have refused to even be civil about the situation amd extremly rude, and hang up on me. Money also refused to tell me where to file a complaint. I just happend to see this on a money gram recept. I found myself wondering how many other people this has happend to!! And it is a issue that should be looked into. My dad is now XXXX years old, at the time the money was sent he was in his XXXX 's. And for awhile we were so frustrated with how we were treated. Even when I asked to please have a written policy sent to my email so that I can see for myself why I could n't pick up my money.
Consumer complaint received 2015-07-03
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America.
Consumer complaint received 2015-07-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JP RECOVERY SERVICES, INC. (OH)

JP Recovery Services keeps calling my phone asking for someone named " XXXX '' at XXXX. I receive at least two calls a day with a robo recording. I answered once and was told by a representative that my number would be removed from the list. My name has not been removed and therefore I consider this harassment. I have no relation or knowledge of who they are trying to contact. I have had this number for a little over a year and have been receiving this calls this whole time.
Consumer complaint received 2016-02-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of closed my checking and my XXXX credit cards account and i have filed complain about that and they response that they have the right not do disclose the reasons but now they also closed my XXXX years old son account that his grandfather opend for him long time ago as a saving account for his future.the account under his grandfather and my son 's name and the grandfather mom side. so does n't even have my name on it.but my son has my last name ( XXXX XXXX ) I do n't know what i did to them to target my famly even my 7 years son.we are all citizens and my son born in US.what kind of reasons or policy that can end my XXXX years old child his financial future with any financial institution whatever it is.the only reason that can be logically accepted if the company going out of business.but as long as they still open for public they have to explain the reasons to close my accounts and my son account.if there is no reasons they need to reopen them.
Consumer complaint received 2015-06-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. 
Portfolio Recovery bought an account from XXXX XXXX ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.
Consumer complaint received 2015-04-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IA)

My father ( recently deceased ) had co-signed for private law loans and had been repaying them. Navient apparently bought the loans from XXXX XXXX. I contacted Navient and let them know I could not make the payment my dad was making but that I wanted to pay and not go in default. I said I could provide them with paperwork showing my recent bankruptcy, my snap aid for food, my pay stubs, evidence of my single parenthood, evidence of my federal aid being in economic hardship forbarence and anything else they might need to determine my eligibility for lower payments. They were of no help. They would not offer even gradually increasing payments over time. It seems like they just want me to default!
Consumer complaint received 2015-04-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Global Asset Management Group, Inc. (FL)

On XXXX XXXX I was called by a man named XXXX XXXX from a debt collection agency named GF group stating that I was going ti be sued by XXXX XXXX bank for a debt of {$1200.00} and I can settle this debt by paying {$25.00} on XXXX/XXXX/15 and then {$480.00} on XXXX/XXXX/15 He haf said that by XX/XX/XXXX it will appear on my credit as PAID IN FULL he did send me an agreement letter via my email : XXXXXXXXXXXX which I do have. After checking my credit report I still do not see this on my credit and it is also a different amount I owe. I have called him numerous times and he says it takes anywhere from 20-30 business days.
Consumer complaint received 2015-06-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect (LA)

The original creditor submitted bills to a wrong address in my name. Upon finally receiving the bills from the addressee in error ( a resident on my street ), I contacted Americollect through letter explaining that The billing address was incorrect and I 'd submitted payment to the creditor, XXXX XXXX XXXX. This collection still shows current on my credit report.
Consumer complaint received 2015-04-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

My checking/debit card account is in overdraft and has been rolled over several times now. The XXXX overdraft for XXXX should not have occurred because the funds were put into my account @ XXXX on Fri., XX/XX/XXXX which covered it. The overdraft of {$13.00} occurred on the evening of the XX/XX/XXXX after banking hours @ our branch. The overdrafts continued to mount to {$130.00} by XX/XX/XXXX. After XXXX or XXXX heated conversations with the branch bank manager she took {$15.00} off for extended od fee reversal and {$19.00} off for extended overdraft on XX/XX/XXXX. This left overdraft expenses at {$100.00}. Their online customer service representative said they could do nothing more to correct the problem. However this account should never have gone into overdraft in the XXXX place. The tellers at the bank have told me that if an account is in overdraft during the week, the customer is giving until Friday of that week to correct the credit. But if not taken care of before Friday, a {$15.00} charge is attached. If not taken care of by the Monday of the following week a {$34.00} charge is attached. XXXX more {$34.00} is allowed and that is all. This was my understanding of the overdraft circumstances with Chase but it has not be the case with this situation or in other situations with Chase. My account started in XX/XX/XXXX so my history with them is not long in nature as accounts go. So going over all my statements and history should not be a problem. Also they stated that anything under {$5.00} is not given an overdraft but I believe there were charges on less than {$5.00} as well which I was unable to have removed. The result I expect from this is that my account be restored without overdrafts at all ; with a balance of {$22.00} in it instead of a negative amount of - {$100.00}.
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Receivables Performance Management, LLC (CA)

Rpm or Receivables Performance Management called my mom to get in contact with me over a payday loan they stated I owed on. When I called to find out who they were and to get information I was informed that I owed {$300.00} dollars and the funds were deposited into XXXX XXXX. I have never had XXXX. I then told the lady that the only payday debt I had I already paid off. She basically called me a liar and said I could be taken to court. I have not gotten another payday loan besides the one I paid off in over XXXX years so I do n't understand why I am being harassed now. I also do not appreciate them calling my work and my parents and stating they are a debt collector. When I asked for my account information she would not give it to me.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is an account on my transunion report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with transunion and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that transunion used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX all accounts that do not belong to me. I have disputed these accounts numerous times with transunion as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through transunion. I requested signed paperwork with my signature on it for validation that this account belongs to me and transunion nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.