davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been receiving unemployment benefits since XXXX of XXXX with the California edd Bank of America pre paid card on XXXX of XXXX my account was locked due to a supposedly fraudulent withdrawal or suspicious activity wich I tried to inform edd and bank of America that it was me doing those withdraws but it didn't matter what I said they never unlocked my card or replaced it till this day I've been trying to get my funds that are locked on it but no luck both edd and bank of America have given me the run around they can't tell me the reasons why it was locked or solutions on what to do next I call every day with no solution to my problem all I want is for my funds to be released and for my card to be unlocked and reusable I'm receiving my benefits through checks by mail right now which is a problem but it takes forever if there's anyway yell can help me with this it would be much appreciated thank u for your time.
Consumer complaint received 2021-02-05
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: Experian Information Solutions Inc. (CA)

In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with them.
Consumer complaint received 2021-02-06
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. (NY)

Experian is showing one time late in there categories box. I requested and received and reviewed my full credit report. There is no lender reporting a 30-day late on the report at all. I have tried to relate this information to Experian and have not heard anything back from them. I want the one time late from some unknown entity removed from my credit report.
Consumer complaint received 2021-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

This is to confirm that I am submitting this complaint on my own behalf. 

Midlands Funding is reporting information on my credit report that is inaccurate across agencies and is unverified. I have attempted to resolve this matter several times and this company continues to report this inaccurate information. I do not owe these debts and have no knowledge of such XXXX XXXX XXXX Facts : 1. I do not owe this debt 2. This alleged debt is reporting inaccurately across credit bureaus 3. I have disputed this account and it has been validated. 
4. This unvalidated account is reporting as OPEN ACCOUNT which is additionally not under FCRA compliance. 
5. This company does not have permission to communicate with me. 

This is intentional inaccurate reporting and I demand that it is removed immediately as per 15 U.S. Code 1681i.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

log into my account noticed money running low started looking at transactions noticed that XXXX was taking money out of my account, called the Bank of America told them I don't know of XXXX and never heard of them. I thought at first there was only a couple of transactions, Bank of America customer support told me there were more transactions made to XXXX, he told me first transaction happened XXXX XXXX, 2020 for the amount of {$34.00}, the ones I noticed was on the Month of XXXX for the amount of {$930.00}, when I logged into my account on XX/XX/XXXX. Total taken from me {$4400.00}. So Bank of America closed my debit card and and sent me a new one, I filed a claim and I asked them to cancel last transaction from XXXX, and for some reason they would not, transaction was still on pending process, anyway I filed police report with XXXX XXXX XXXX. officers name was XXXX XXXX XXXX # XXXX / police report case # XXXX, Bank of America is not accepting the police report claim, I disputed the claim 3 times, and yesterday Bank of America told me they will not be reopening the dispute, the reason they denied my claim is cause the 1st transaction was over 30 days and I did not stop it, but I keep on telling them I did not notice it until XXXX, also it seems bank have not been in contact with XXXX to see who ended up with the money, my bank statements just tell me XXXX received the money. I also tried getting information from XXXX, but they could not give any info due to there privacy policy, ( I do not have XXXX account XXXX I got lots of email from them they got 2 request # for some reason so I will give you guys both ( XXXX XXXX & XXXX XXXX ), XXXX XXXX from XXXX is telling Bank of America and or XXXX to contact XXXX at XXXX I do not believe either one of them has, Please help me, not sure what else I can due
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NY)

I had a prepaid service plan with XXXX. When I cancelled my plan, I received a notice from a debt collector ( never from XXXX ) indicating that I owed {$93.00} on my account. I asked Amsher debt collection to provide an itemized bill showing me how it's possible I could owe money on a prepaid account, and they never provided me with documentation. This debt collection was removed from my XXXX credit report for lack of evidence, but when I requested for XXXX to correct this wrongful debt collection, the response was automated in such a way as to not allow for me to explain the circumstances, and not only was the derogatory remark NOT removed, but Amsher debt collection then updated the derogatory remark to show that I did not pay the wrongful debt in XXXX rather than the initial wrongful debt collection which was back in about XXXX.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

The mortgage refinancing started XX/XX/XXXX. 
Mortgage loan XXXX was XXXX XXXX. 
Then in XX/XX/XXXX other loan officer started working on our file her name is XXXX XXXX. 
Now nether of them answering calls or responding on emails. 
Its been 6 months since we started refinancing and its still not done. 
How long we going to wait the result? 
Thank you. 

XXXX family.
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (TX)

SYNCHRONY BANK XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : XXXX XXXX XXXX. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 years.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

On or around XX/XX/2020, I sent money to my niece through PayPal to help with her bills and other things because she was out of work due to Covid-19. My account was limited at first. They asked me to send in a picture of my ID for verification purposes and informed me that they would get back with me after doing their review. My account was then permanently limited and I was informed that I could not use there services any long and that my funds would be held up until 180 days. At this point I tried reaching out to PayPal and was informed that around XX/XX/2020 I would receive an email informing me that my funds would be available for withdrawal and that if I didnt receive the email that I could contact PayPal after XX/XX/2020. Ive sent multiple emails and have attempted to call their customer service and havent been able to get through to a human.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have attempted to reach Pro Collect on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Pro Collect nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Pro Collect provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (NY)

XXXX 's Xoom is preventing me from using their service through harassment that is challenging my privacy in inappropriate and unethical ways. I am trying to transfer money to a friend in XXXX using XXXX 's Xoom money transfer service. After sending all required documents numerous times, including every bit of personal identity information, they have continued to decline my transfer and have begun asking me for personal details about my friendship with this person that I am trying to send money to, and the reasons for my transfer. And yet, they have continued to decline my transfer. This is harassment and a breach of privacy and has wasted tremendous amounts of time and energy -- not to mention that I can not complete my personal transaction, which is urgent. This has been going on for weeks now. Now I feel concerned for my identity safety considering the unprecedented amount of information they have collected from me while continuing to decline the transfer. I've even been a XXXX customer for over 15 years.
Consumer complaint received 2021-06-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX XXXX, XXXX, operates and offers the XXXX XXXX secured visa credit card. I had an account with their XXXX secured credit card that was cancelled by the company and the outstanding balance was charged off. I have not been contacted by the company at any point and they have made no attempt to make me aware of this, nor has the company tried to collect the charge-off debt. It has been sitting on my account for years, unknown to me until very recently. The entire time, it has been pulling down my credit score. 

I have tried to issue a payment to the company, but have been unable to do so. The company lists a phone number, but the phone number brings the caller to an automated system that does not allow you to do anything whatsoever unless you enter your XXXX account number, which I do not have ( because I no longer have an account ). I can not reset an account. There is no way to get in touch with a human or make a payment over the phone. There is no email contact information for the company. There is the option to mail the company, which I have done several times. Once on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once again on XX/XX/XXXX. I have never received a response from the company. 

I have disputed this account with the credit agencies, explaining that I am attempting to make a payment and the creditor is unable or unwilling to accept the payment ( because they are unreachable and unresponsive ). The agencies are give back generic responses that the creditor has confirmed the account information is accurate. This doesn't matter, my complaint is not that the information about the debt is inaccurate - my complaint is that I am trying to make a payment and the creditor is entirely unreachable. They are literally impossible to pay. I am *trying* to give them my money.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am attempting to apply for local credit unions in my area and they stated that there was a security freeze on my Chexystems profile. I contacted Chexystems and they stated that there was no freeze. However all of the credit unions have stated there is one and what they say comes up is THIRD-PARTY SECURITY FRZ ALERT on the chex systems report. Chex systems states there is no indication of this. This is stopping me from moving on with my life. Legal litigation will be pursued as they are in violation of the fair credit reporting act. I expect them to do their research and remove this third party security freeze alert immediately from my chexysystem profile as that has nothing to do with my chexsystem profile. I will upload my identification as proof and also proof of my social as well as a letter from one of the credit unions stating what comes up when they pull my chexsystem. Please get to the bottom of this! I applied to XXXX and XXXX XXXX XXXX XXXX and they both are getting the same response from chexsystem. I can't move on with my life. Please Help Me!!!!!!!
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I completed a mortgage refinance with XXXX  in XX/XX/XXXX. I made the first 2 loan payments ( by check ) for the payments for the payments due XX/XX/XXXX and XX/XX/XXXX. Both payments ( $ XXXX/each ) were made and the checks cashed in XX/XX/XXXX. In late XXXX the XXXX  loan was transferred to AmeriHome for loan administration. The two XXXX  checks have never been applied to my AmeriHome loan account. I have made several attempts to get this cleared up since early XXXX even communicating with the Office of the Presidency. I have sent AmeriHome the XXXX  loan number, electronic copies of the 2 checks along with the XXXX checking account statement that references the 2 check debits. None of this has gotten me anywhere over the last several weeks.
Consumer complaint received 2021-02-05
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: Shellpoint Partners, LLC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Shell Point. The Account Opened is Shell Point Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$570000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-08
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: WELLS FARGO & COMPANY (NY)

My Name - XXXX XXXX D.O.B - XX/XX/XXXX Social Security Number - XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family ACCOUNT NAME - Wells Fargo sucured credit card DATE OPEN - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER - XXXX ACCOUNT NAME XXXX XXXX XXXX DATE OPENED - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER COMPANY INQUIRIES XXXX  - inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX-inquiry Date XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX - inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX XXXX  inquiry Date XX/XX/XXXX XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXXinquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX  XXXX - inquiry Date XX/XX/XXXX XXXX XXXX XXXX - inquiry Date XX/XX/XXXX
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (FL)

I originally purchased ( XX/XX/20 ) a XXXX XXXX XXXX with my XXXX credit card through TD Bank. The sale price of that phone was reduced with a trade-in of my current phone. The phone that I traded in was XXXX. The amount agreed upon for trade value was {$500.00}. The amount that XXXXTD Bank gave me was {$290.00}. I then started to experience problems with the new phone ( XXXX XXXX XXXX XXXX. 

I then returned the XXXX XXXX XXXX for a full refund within the 30 day waiting period. The refund that I received for the return did not include the full value of the purchase plus return. I then ordered XXXX XXXXXX/XX/XXXX ( XX/XX/20 ) and was charged double for that phone. 

I have spent over 12 hours in total on the phone with XXXX support and TD Bank trying to resolve this matter. At this point I am still being charged double for my phone and have not received the credit for my {$500.00} trade-in XXXX phone. I also received an email that my trade value was accepted on XX/XX/20.
Consumer complaint received 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate inquiries and other items on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being ignored, and this is taking a toll on my financial freedom. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I called to chase Bank twice. I think it was on XX/XX/XXXX or XXXX and explained that I was been scammed, that I wanted to cancel a XXXX payment. They explained to me that a XXXX  payment can not be canceled. If I had made a purchase online that I had to wait for ten days to file a claim. That's what I did I waited for 10 days and called again to file a claim for the XXXX payment of XXXX dollars that it I was a scammed online they they not file a claim or reimburse me the money they didn't do anything to help me. The only thing they said to report it to the police. Please help me I do not want other people to go though this. Thank you!
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Navient has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower.

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

Navient has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and Navient reflect the appropriate positive payment history.