davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

Some used my debit card number at XXXX XXXX several times I contacted PNC bank and told them what happened I was issued a new card and they reversed the charges totaling {$130.00}. I was contacted by PNC via mail telling me that their investigation was completed and that they are going to debit my account {$130.00} in which I'm responsible for paying. I don't understand why I have to pay for these charges that was never authorized by me in the first place. I did not authorized charges totaling {$130.00} to my card this is ridiculous. PNC did not protect me instead I'm being penalized for something I did not authorized I am highly insulted.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

My complain is with Experian. My questions are : Why does a data furnisher ( XXXX ) have more authority than United State court documents? Why are United States courts not being used to verify information? How can you use a data furnisher ( XXXX ) that is providing you ( Experian ) invalid information to verify that information is correct? The letter Experian sent to me is invalid because it does not provide the reason United States court documents can be used to verify information. Also, select portfolio has been calling me at XXXX XXXX since I started this dispute with Experian. My lawyer has sent them a letter to desist calling me 2 times. Experian says they will not longer investigate this complain.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America foreclosed on my home and sold my home in XXXX 2014 without having my ( PROMISSORY NOTE ) @ the time sale.I later found out that they broke the FEDERAL LAW and I lost every thing.I need LEGAL help with a BREECH of CONTRACT that they did to me.They even took my ESCROW account away from me also.
Consumer complaint received 2015-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: AMERICAN EXPRESS COMPANY (CA)

Companies keep calling - AMEX called me this morning at XXXX in the morning. I have told them to quit calling me because they are seeking a person named XXXX XXXX ( unsure of spelling ) and I keep telling them my name is XXXX XXXX and I do not know how this person is. I have my number on a DO NOT CALL REGISTRY and AMEX called me at XXXX this morning and woke me up. I asked multiple times to for them to identify themselves and he kept asking me for this XXXX XXXX and would not identify the company name. I had the caller on my caller ID so I called it back to get the identification of the company and found it was American Express. I gave them instruction never to call my number again - but have given instructions in the past. I do not want people calling me at XXXX in the morning. I need help and if I need to get an attorney to sue AMEX for this harassment then I need your direction on what steps I need to take. I could understand if it was me with the debt issue, but I have no credit issues with anyone. I want this harassment to stop.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (MA)

I attempted to access my annual free credit report from Experian, as guaranteed by the Federal Trade Commission. I submitted my information to access my report, and submitted credit card information, understanding it to be for identity verification purposes. I realized a few months later I had been charged for a monthly " membership '' to Experian, which I had absolutely no knowledge of purchasing and had zero interest in. I absolutely would have not purchased this if it had been labeled clearly. This was a complete bait-and-switch to sell a product buried into a free service guaranteed by the federal government. Upon calling to request a full refund, Experian provided one month 's refund but refused to refund the rest, implying that I must had indeed wanted to sign up for this useless product since I had n't cancelled it immediately ( despite not knowing I had signed up in the first place ).
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America was supposed to credit my mortgage for the excessive amount Bank of America charged me for the Homeowners Insurance Policy as Bank of America placed Lender Placed Insurance which was inflated as the policy was issued by XXXX XXXX and XXXX XXXX both subsidiaries of Bank Of America. Attached is the court order to pay me for the excessive charges Bank of America has charged me.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had a judgement against me with Capital One about 8 years ago. The judgment has been satisfied for several years now. The account was suppose to be removed once the account was closed. The account is over seven years old and should be removed from my credit report. I spoke with the courthouse to remove the account and provided full payment info, which they already had on file. I was told the Capital One has to remove the file. After speaking to Capital One over the past several years I seem to get nowhere. Capital One tells me that I have to have the courthouse remove it. I seem to get the runaround and no one knows who I should speak to.
Consumer complaint received 2017-03-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland funding has been harassing me for years on a debt that they keep chasing me about in the amount of almost XXXX dollars. I thought I had owed some money through a pay pal account that I had but never in that amount at all. I have had to change jobs because they have contacted my employer and HR department embarrassing me at the work place. They kept harassing me and had a marshal serve papers to my employer and garnish wages of 10 % of my earnings. I live check to check and can not afford to keep going through this. It ' is a shame that they would Bullie me in to paying such a debt that in that amount that I do not owe! They keep harassing me for years. I do not owe that much money also including the amounts they have taken from me in this amount of time. The amount never seems to go down and they are ruining my credit score tremendously. Please help.
Consumer complaint received 2015-10-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RR Resource-Recovery (NY)

R R resource company continues to report a debt that does not belong to me on my credit. I have sent numerous letters for them to correct this and refuse. The original creditor will not even respond to my letters. This is a account for a ambulance service that I never used. I never was in a ambulance during that year nor was my children. We have never had a lapse in health care coverage in 15 years as well. During the time the are reporting as well. I have asked for documentation to prove the basis of the debt and I get nothing but a bill from the creditor. If this was a service we would have used it would have been billed to our insurance. But we did not use the service at all so this doesnt apply.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I received mail from Navient saying they had processed my request to enroll my loans in a XXXX Repayment Plan. I did not make this request. I called customer service & was told that everone leaving school os automatically enrolled on this repayment level. I think this is a form or fraud considerimg the XXXX Repayment Plan has higher interest rates. Also of this is automatically done how come the paperwork says Ibrequested this?. I asked to speak with a supervisor & also get a complaint address or number & was transferred to a Navient XXXX instead.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. I was affected from the glitch and my score suffered as a result. I was n't given a notice which is also a violation and I 'm requesting that ALL inquiries listed below be removed. 
Capital One Bank ( XX/XX/2015 ) Capital One Bank ( XX/XX/2015 )
Consumer complaint received 2015-07-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (NY)

-My college loans were transferred to Mohela three years ago. 
-I had a XXXX and applied for XXXX relief. 
-Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . 
-XXXX advised they contacted Mohela of the suspension of payment. 
-Mohela kept trying to collect on the transferred student loan, to wit ; XXXX dollars. 
-Mohela said XXXX it were still collecting on the loan and were gon na ruin your credit. 
-They, Mohela reported a 90 late payment on my credit history-Now may credit history went from XXXX to XXXX because of this frivolous reporting by Mohela-Five days later the loan was paid in full by a credit card due to the continued harassment and threat to ruin more credit. 
-Mohela reported a loan 90 days late when XXXX suspended payments due to XXXX. 
-- its bad enough experience a XXXX now I have to struggle with a bad credit report and only late payment shown on my credit which has hurt my chances of obtaining viable loans and credit. 
-Please help with this complaint and please stop mohelas egregious behavior
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OR)

This is my place of employment and they continue to call this number instead of my private number even though they have been requested numerous times that I can not receive these calls at work nor confirm my social security number at work. It is a public place that anyone can hear the conversation. I have requested they call my private number but refuse to and then state that is me refusing the debt and still continue to call my work
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (TX)

On XXXX separate medical debts, Syndicated Office Systems, LLC, which does business as Central Financial Control ( CFC ), reported to credit without providing me the opportunity to dispute the debt or failed to validate the debt before reporting to credit. There was no communication at all from CFC on a number of accounts. I was not aware of who CFC was until I pulled my credit report and found the impairments on my report. 

When my attorney attempted to contact CFC to discuss the impairments, they refused to speak with him, despite having been provided notices of representation. CFC appear to be improperly using HIPAA as a shield to avoid responding to consumer disputes. CFC claim they can not comply with the validation requirements of the FDCPA without a HIPAA release, contrary to the exception language in HIPAA.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a XXXX XXXX credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a XXXX XXXX credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.
Consumer complaint received 2015-10-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Several time from XX/XX/XXXX - XX/XX/XXXX Military has lost personal data for me and my ex -wife and I have since XX/XX/XXXX been fights and still on going to this day. I found out that person or people have SSN #, Birthdate and would call Trans Union and reset my password and order a copy of my credit report. The other XXXX agencies have secret question you have to answer does n't matter if you that the information listed above. But Trans union would reset the password and they get a copy of credit report online now I have a freeze with Trans Union But they continue to try or do open accounts every year. When I called Trans Union about this issue they told as long they have needed information there was nothing they could do but put XXXX credit monitoring on the account.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I recorded some of the conversations with them, after the flood I hope i can find them. They gave me the run-a-round on this for over a year. They quoted prices and when I paid them they tried to come back and get more money. I 'm currently paying on a bill they said was at the lawyer, then back to them. back and forward. They 're liars. They bought up all my collections ( I lost my job ) with the threat that the lawyers would take over my case.
Consumer complaint received 2015-12-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc. (HI)

I had requested an official verification of debt under the FDCPA and Hawaii FDCPA from a collection agency, named Argon Agency located XXXX, XXXX Hawaii. The legal definition of " verification '' means to affirm by oath or affidavit. Unfortunately, the alleged debt collector failed to do this even though I had requested it in writing several times. 

They have consistently defamed me to the consumer reporting agencies fraudulently without verification or acknowledge my dispute as a disputed debt, blatantly misrepresenting the debt. 

These acts have caused great injury and irreparable damages in blocking me from credit worthiness that has negatively affected my housing and financial situation.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (FL)

When I observed the debt was reporting on my credit report ( s ) I contacted all XXXX credit bureaus and disputed the debt. XXXX responded on XX/XX/2016 and XXXX on XX/XX/2016 advising that I contact the creditor as the debt has been verified. I sent a request to XXXX requesting validation of the debt twice I have certified mail confirmation that they received it on XX/XX/2016 and a second request XX/XX/2016. As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here is what I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : it is NOT the docket # that I am looking at on the petition # 3 the court that you have listed is wrong : " XXXX XXXX '' is NOT the name of the court and you must have the city and state listed
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I recently paid XXXX of my maximum credit card balance through Bank of America posted to my account on XXXX/XXXX/XXXX. The funds were directly deposited from my " XXXX Bank account '' through an electronic ACH transaction. According to " Regulation CC '' set forth by Federal reserve under the " Expedited funds availability act '' of XXXX. XXXX Funds should have been available on the " same day '' of the transaction. I attempted a credit card transaction on XXXX/XXXX/XXXX, XXXX business days later & the card was declined. Upon contacting BOA on the issue I was " continuously '' lied to about the funds lack of availability. A BOA credit card annalist stated that they only had to post the deposit to my account in order to be in compliance with the regulation. He indicated the bank had a right to place a Hold on my account for XXXX10 days for fraud analysis, " REALLY '' in a commercial electronic ACH Bank to Bank transaction. Not withstanding this " deplorable '' action prevented me from caring out important time sensitive financial transactions. BOA has long standing reputation for deceiving their customers, for " wind fall profits '' based on a long standing pattern of funds manipulation. " & unwarranted charges on customer accounts. This Pattern of behavior warrants an investigation of the Banks practices with all the appropriate fines and penalties..
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is unfortunate that this will now be the third complaint against this CRA with the CFPB. Basically, per the CRA credit report several accounts were supposed to have been PURGED as of XXXX 2016. This has already been completed by XXXX, however, TransUnion is confused and naively believes that they have to " verify with the data furnisher ''. Per CFPB complaint XXXX the CRA was supposed to delete XXXX accounts and XXXX collection account per the FCRA- SEVEN YEAR REPORTING EXPIRATION.
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I Contacted a rep on Bank of American regarding a hold on XXXX bank accounts I have with Bank of America. I and my attorney, XXXX XXXX of XXXX XXXX XXXX requested a copy of the Levy, but the Legal Department Representative would not give us a name, phone number of any documentation verifying the validity of this Levy. I told the company Rep that the Personal Bank Account they levied is a bank account that deposited XXXX Income for myself, and the Levy was listed against my XXXX business. The bank Rep refused to let me speak to the Legal Department. I spoke the Rep and stated that this was XXXX XXXX protected form a LEVY. Bank of America is also charging my overdraft fees on this account.
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America offered a business checking account promotion with the offer code XXXX to me via email. I opened a business checking account XXXX XXXX XXXX XXXX ) in branch on XXXX XXXX and met the terms of the offer ( spend {$2000.00} within 60 days on a business credit card ). The terms say the cash bonus of {$1000.00} would be paid within 90 days of meeting the terms. 120 days after meeting the terms, no bonus was received. When I called to inquire I was told that no offer code was attached to my account and I would not be getting a bonus. I 've called BofA many times and keep getting the runaround. I logged cases XXXX latest XXXX being XXXX XXXX but they keep stalling and sending me nowhere.