davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc. (IL)

I have sent numerous letters aboou t Northwest Collectors Inc. trying  to coooect a debt that is not mine. I tried contacting the original creditor,  which Northwest Collectors Inc. clai ms I owe, and there is no such company they claim. They have no file at the  XXXX   XXXX  hospital nor does the doctor mentioned know anything about this alleged account. So after my personal investigation this is a fraudulent account  and Northwest Collectors Inc. is   clearly providing false information of the original creditor. They can not provide any proof I actually owe them yet they still are reporting to all three major credit bureaus ;  XXXX ,  XXXX  and  XXXX .
Consumer complaint received 2020-03-03
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. (AR)

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$150.00}
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC (NH)

This company first of all goes by many different names. XXXX XXXX and XXXX XXXX harassed my brother at his place of employment seeking information on me. They also harassed an old roommate of mine whom I have not seen in years. They find any information about you online and harass everyone. Upon starting to pay them because I was unaware of any rights of mine protecting me against unfair debt collections, and I was also terrified of them harassing my friends and family. I am almost done with paying them and come to find out I receive another bill from yet another debt collector for the original debt that I supposedly paid to these people! ASG XXXX, XXXX, XXXX, XXXX. I found all these names.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (PA)

Saturday XX/XX/XXXX XXXX I attempt to cash a a check ( {$320.00} ) from second job into my pnc acct from a pnc ATM, the employer banks with PNC also. No success with cashing/depositing check into account the ATM ask if I would like to deposit. No express funds option or letting me know when funds will be available. Ill usually use express funds or cashing just for ease, in the past I would be given the option to how I would like to deposit. this time I wasn't which is my issue. 

Same day - Call pnc, have a rep hang up on me while lying to transfer to manager. Call back to be denied by another manager. Was told my funds wont be available til Tuesday and there's nothing I can do. Call another department and was given more poor customer service. they seem to see the issue but don't care to fix it. if the kiosk wont offer express funds like they typically do let the consumer know they will be waiting 80+ hours for their funds. I put a complaint to have this process looked after, im not sure if they received this. 

Monday XX/XX/XXXX XXXX  Call pnc, Have rep say on telephone she would check for availability of {$100.00}. Withing the next sentence due to her unprofessionalism she tells me she wont do nothing for me today not even check. I asked her did she just say she would check about getting some of the funds available today. She wouldn't answer because she know she did. That call ref Number is ( XXXX ) Called another rep after and he actually went through with the check of available funds and told me none would be available due to the fact I used a pnc ATM. This makes no sense to me as to why im in trouble for using their atm.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (VA)

I was charged over XXXX for a purchase I never made. I spoke with them, but we didn't resolve the issue. There are so many additional fees that I was never aware of before, I just want card closed.
Consumer complaint received 2017-04-27
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. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, an d the Bure  au has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too m uch time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NY)

XXXX   XXXX   took my phone when I switched from   XXXX   XXXX   XXXX   as part of promotion. I was owed   XXXX   dollars in credits for paying off my bill at   XXXX   XXXX   XXXX  . My old phones disappeared and  XXXX  refuses to give me the credits. I have spoke with several supervisors and all say they will take care of it. Now they say they ca n't help me and have sent the bill to collections at cbe group. I tried returning the phones immediately because of unhappy about the credits. They told me to hold on the credits will be applied. When they did n't and I called back they told me I was out of the time frame to return the phones. So I was stuck. The store ran my credit 3 times and nobody will resolve it. Now I owe  XXXX  dollars for the phones I was given by  XXXX  because they would n't return the phones
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

On Saturday morning ( XX/XX/2020 ) i recieved a text notice of suspicious activity on my Wells Fargo debit card. 
Someone had withdrawn XXXX $ from a XXXX located at XXXX XXXX XXXX, XXXX, FL XXXX. 
I called them and notified them that i did not make that purchase and and they said someone must have used a skimmer to steal my information and create a fake card and use it to steal the money and they would take care of it. 
Then earlier today Wednsday XX/XX/2020 instead of rejecting the transaction they approved it and also added a XXXX $ fee for using an out of network atm on top of it. 
I called to ask why and they said they had denied my claim and there was nothing they could do about it and that since a chip was used i must have done it myself and must be lying about it. 
I don't think they put any amount of effort into investigating my claim i think they could care less about their customers. 
I am filing a police report with the XXXX County Sheriff 's Office. 
Any assistance you could give me would be greatly appreciated. 
Thank you.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a letter fro m Capital One  Bank dated  XXXX   XXXX ,    2017 stat ing  that Capital One  Bank was closing my account due to Principal ow ner ( s ) have  past, present or pending legal action on acct ending  XXXX  which is my personal account. I have contacted this bank and asked them what legal action do I possibly have they would not tell me, I knew I had none pending in any cou rt , county o r anywhere except for a divorce. I told the bank representative that all i had was a divorce but they insisted it was more I searched all federal and state records and even had an attorney look into it and he stated he could find none. Then 2 days later I received a letter dated  XXXX   XXXX ,   XXXX   stating tha t Capital One B ank was removing one of my authorized users from my business account ending  XXXX  because of her past, present or pending legal action even though she is not responsible for this account she is just an employee. Then I received a letter from  Capital One Bank  stating that they were closing my business account ending  XXXX  all together for these same strange reasons of past, present or pending legal action. I have not been charged with any crime or convicted of anything. I have paid these cards faithfully one time and with extremely more money than what was required for the minimum payments du e. Capital One has hur t m y Credit Score b y closing these accounts with balances on them and this sort of action is very unfair and should be against the law. I am including copies of the letters from this unprofessional, inconsiderate bank.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation (NE)

I was issued a debit card from my employer in payment of wages. The card was issued b y Money Network on b ehalf of  XXXX . I tried to use the card and access was deni ed on 3 occasions even though there were more than enough funds on the card to cover these transactions. I was charged {$2.00} for each denial and am charged a monthly maintenance fee. I called to inquire about the reasons for denial of access to the funds on the card and was not given any intelligible answer. I called the customer service number and inquired about closing the account and receiving a check for the balance remaining on the card. I was told I could do that by faxing a letter requesting the account be closed along with the account number and mailing address. I was told it would take 2 weeks to process this request and that a check would be sent to me for the balance.I faxed th e letter, and receipt of the fax was confirmed. I did not receive a check, so I called customer service to inquire about why I had not received the funds. The person I spoke to confirmed receipt of the fax and my request, but could not give me an intelligible answer as to why I have not received the check. When I requested to speak to a supervisor, I was placed on hold and ultimately disconnected. This all occurred in  XXXX  and  XXXX ,   XXXX  . Instead of a check to close the account, the monthly maintenance fee was increased from {$2.00} per month to {$5.00} per month.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, XXXX, I learned that Equifax had been breached by an outside source due to a lack of security in their system. Items such as my Name, DOB, SSN, Address, and Driver 's License Number, may have been leaked and could be in the hands od people with malicious intent. Through reporting by the news, it appears Equifax learned of this breach on XXXX XXXX, XXXX, but did not report it to the public until XXXX XXXX, XXXX, a whole month after the company learned of the breach. 

To rectify the issue, Equifax has set up a website to allow consumers to view if they were involved in the breach. However, this website uses the very information that was stolen to verify my identity so I am unable to safely secure my account. To date, Equifax has made no attempt to notify me personally that my information may have been part of the breach by mail or by phone. Had I not seen this reported on the news, I would have had no idea I was at risk. 

This breach has set me up to be at risk of identity theft for the rest of my life and may even affect my heirs handling of my accounts upon my XXXX. The best way for me to be protected from this breach will require me to freeze my credit at the 3 major credit bureaus for the rest of my life.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sierra Holdings LLC (FL)

XX/XX/XXXX I financed a blackXX/XX/XXXX XXXX XXXX through Sierra Auto Finance InXX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to Sierra Auto Finance so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called Sierra Auto Finance to get my car and pay for repair expense, I spoke with someone named XXXX & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ Sierra Auto Finance ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX  credit report, after I disputed the information it was changed to a charge off with a balance of {$XXXX}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/XXXX XXXX XXXX  until XXXX XXXX XXXX  I fell victim to multi-layered scam operations run by XXXX XXXX, a fake company, which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firms. 

Bank of America never provided me with a written response, nor did they attempt to comprehend the situation. They just provided me with the response that they cant do anything, completely ignoring the fact that they breach the duty of care, and failed to protect me as their client.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I checked on the website Equifax set up to determine whether or not my information was affected by the hack they recently disclosed. According to their website my information was impacted by the hack. I checked on XXXX/XXXX/2017.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I 've been disputing   XXXX   XXXX   XXXX   XXXX   since   XXXX   2015 informing them that this is not my account. I 've disputed with all   XXXX   credit bureaus and every time   XXXX   XXXX   XXXX   XXXX    confirms that this account belongs to me. I 've asked  XXXX ,  XXXX , and Transunion for method of verification but never received one. I then disputed it directly with   XXXX   XXXX   XXXX   XXXX   and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the  XXXX  bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, I activated an offer for my Marcus Savings Account to receive a {$100.00} bonus after depositing {$10000.00}. I made the deposit and was cleared for the funds. A CD then matured a few days later and the funds were moved to into my savings account. I transferred some funds to an external account and took {$15.00} too much so I only had {$9900.00} left from my initial deposit. Realizing that the offer would be inactivated I called immediately on XXXX and they tried to put a stop to the transfer, but said it was too late even though it was mere minutes later. I then continued to transfer more money out of the account since I saw the offer was no longer active. 

After talking to customer service again I realized that the offer was running until XX/XX/XXXX so I could still qualify. I reactivated the offer on XX/XX/XXXX and attached is the email confirmation. I checked my account and it showed my offer was active so on XX/XX/XXXX I deposited the {$10000.00} to clear the threshold again. I checked my account on the XXXX and realized the offer was gone. I then called customer service and was assured that as long as I had the confirmation email I was fine and they saw the {$10000.00} threshold was met. They told me someone on the promotions team would reach out in 1-2 days.

I then did not hear back from anyone for the next 10 days and placed 7 calls to customer service on Friday XX/XX/XXXX. I finally got someone on the promotions to give me a call back, but it was an inopportune time and all I learned was that they voided my offer because of previous transfers. There is no mention of previous transfers in the conditions of the offer and I raised my balance by over {$10000.00} with new funds post activation. Since activating the offer I have not issued any withdrawals as well. Upon calling back customer service two more times I had a 35 minute conversation with a considerate associate named XXXX who told me that they are unlikely to honor the offer.
Consumer complaint received 2020-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I'm in the Public service loan forgiveness program on XX/XX/XXXX my loans that were eligible for the program were transferred from XXXX XXXX ( XXXX ) to Fedloan. Every year I get closer to forgiveness the more problems I am having. Last year they miscalculated the amount i was suppose to pay which was {$54.00} ( now {$65.00} ) and my payment shot up to {$240.00} which they promised to refund for their error and never did. They said I turned in my re-certification form too early ( XXXX ) but didn't notify me that my account was going to go up until XXXX less than 2 weeks before the {$200.00} payment was due. 

Current issue : I was sent my yearly employee certification form on XX/XX/XXXX and re-certified no problem. On Monday I went in to look for my re-certification form and it was missing. When i asked them why my form was missing they told me I wasn't eligible for program I had been in since XXXX. 

I know this seems like no big deal but it took over 3 weeks several e-mails and phone calls to get the {$200.00} bill resolved and they didn't keep a single promise from their phone calls. I need someone to help me sort out exactly what these people are doing.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I called Capitol One Credit Card Company and requested a statement as I did not know why they were still pulling monthly funds from my bank account and I havent received any statements in months. They said I could go online to check. As soon as I tried, the page said it had to send a verification code to an old cell phone. I told customer service I no longer have that cell phone. He asked me for my full name, other details and asked for my full social security number which I thought was unusual. Usually its only the last 4 digits. I complied. He then said I can not have a copy of my statement or interest or payments until I also send a picture of my drivers license to them online. I told him I did not feel comfortable snapping a photo of my drivers license as well as all the other information I gave him. He said he can no longer help me unless I give him a copy of this. I told him I wanted to speak to a supervisor. He said he didnt have one but would transfer me to the fraud department. I spoke to XXXX, who also demanded my drivers license copy even though he kept saying I didnt have to provide it but they wont give me my statement without it. I asked him for a number to report this and he didnt know it then last minute gave me an inaccurate number. The entire process seemed unusual. They refuse to tell me anything about my statement and keep taking money from my account every month. I want to know what my statement looks like and how much interest they are charging me. I thought that would be against the law refusing to mail my statement or email it, apparently they do this to consumers all the time. Unethical practices. I thought Truth in Lending states that they have to provide detailed information pertaining to your account such as your interest rates. If they keep refusing to send me statements or be able to view them online, they can  just make changes whenever they want and keep taking money from my account that I cant even make changes to.