davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A claim # XXXX The First days of XX/XX/XXXX seen a Email saying XXXX and B of A were no longer going to being business together, so i was going to get on my B of A account and move my {$6200.00} to my personal XXXX XXXX checking account, I collected this money thru XXXX XXXX XXXX in XXXX XXXX  XXXX. I Log into my B of A account to find someone withdrew all my money in two transactions on XXXX and XXXX So i called B of A fraud department to file a fraud claim on XXXX I received a letter from B of A saying my claim was denied, I told them I do not agree with your finding and that the are keeping a secret of where my money went and who took it and I made them re do the claim after talking to them 3 times that day and i wanted there supporting documentation. I will say that this has been a very bad experience with dealing with B of A on this matter, talking to numerous rep and not getting any answers. I made the reopen the fraud claim numerous times, Trying to get answers. After trying to resolve this with B of A and getting nowhere on XXXX called the XXXX XXXX Police department to report a XXXX  Case # XXXX My Card has always been in a safe place in my home office and has never left that secure place. Got a call from XXXX XXXX XXXX about my case I filed. Detective XXXX sent a subpoena over to B of A to receive information on where my money was transferred, she got information back today from B of A saying they do not know where the money went???? this is a bank they should know where every transaction went, I find this so unbelievable that the bank has no clue were my money went and who it went to. Now I feel the bank is robbing me and there is no one to enforce the laws of the common man Who is in charge of making sure the bank is operating in good faith??? because this is really hard to believe a mans hard earned money dispersers into thin air and no one is held accountable. Makes you want to take all your money out of banks because it obvious there is some XXXX  and unlawful stuff going on and there is no one to protect the consumer. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (PA)

On XX/XX/XXXX, XXXX, Medical Revenue Services left a voicemail regarding a debt I owed to XXXX XXXX in the amount of {$340.00} for a service performed in XXXX, XXXX. I initially didn't remember so I contacted XXXX XXXX. I did have hand XXXX but had forgotten. I contacted XXXX XXXX on XX/XX/XXXX and said they had sent the original bill to me in XXXX, XXXX to an address I moved from XXXX. It was never forwarded to my new address in XXXX XXXX, FL. XXXX XXXX all the information was sent to Medical Revenue Services and they were unable to send me another bill. I contacted XXXX XXXX to confirm on XX/XX/XXXX, I did owe the co-pay of {$340.00}. I called Medical Revenue Services, again spoke with XXXX on XX/XX/XXXX requesting they mail me the information and I would pay the bill. She refused. XXXX, Medical Revenue Services called me XXXX XXXX and left a voice mail. I returned her call the same day and again, requested they mail me a hardcopy to my updated address or email it to me. She said she would talk to her supervisor. XXXX called me again, on XXXX XXXX. I returned the call & spoke with a XXXX, who said the information has been both mailed to my new address and emailed to me. I never received the information in either form. I checked my SPAM account also. XXXX said they would not mail or email it to me again. I, as a consumer believe it is my right to have written documentation. I told XXXX this and lost my temper and hung up. I'm willing to pay the debt but not until I receive written documentation via US Mail. If Medical Revenue Services did already mail it to me, give me proof.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was victim of an identity theft from my fathers daughters. He opens an account with XXXX with XXXXXXXX XXXX XXXX, the actual creditor is Portfolio Recovery Associates , LLC with a balance of {$2000.00}, this account was opened on XX/XX/XXXX. I left XXXX on XXXX of XXXX and I returned on XX/XX/XXXX. I was not aware of this matter since I was not here with my oldest daughter very sick, she has a XXXX XXXXXXXX and her health was very compromised at that time. 
Sincerely, my best regards.
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. (PA)

Upon reviewing my credit reports I discovered that there are accounts that are not mine. Those accounts have been fraudulently opened with my information.. I am asking that those accounts be deleted and removed immediately The accounts are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I was not aware that these fraudulent accounts existed
Consumer complaint received 2024-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (UT)

I had a XXXX  done in XXXX. 

I was not notified that this was out of network. 

My insurance was billed and the maximum allowed amount was {$230.00}- which was paid 12 months later I received a collections notice and several calls about an outstanding balance of {$1300.00}. 

I tried calling several times and finally spoke to someone named XXXX XXXX? ) that told me she could see the payment and that she'd remove this. 

Then I heard nothing for 2 years. Now suddenly they are calling me again ( Clear Management Solutions ) about an outstanding bill for {$1300.00} Within 30 days of receiving that notice I left Clear Management a voicemail disputing the charge. 

60 days later they started calling me trying to collect it again. 

When I told them my rights, they seemed confused and then threatened to send me to an outside collections agency who would charge me a 20 % fee. 

When you read reviews of this company online, I am not the only one being scammed for bills already paid. You can see the reviews here : XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (MO)

I have a loan with heights finance and I have done business with them for a long time. This is the second time I have had to report harassing phone time. The first time was with their corporate office. I have gotten XXXX phone calls just today XX/XX/year> XXXX yesterday. I'm on vacation and when I'm on vacation I deal with no one. But this is just ridiculous. Then when I got a minute I called them back and told them to stop calling me that I was on vacation and if I wanted to deal with them I would answered the phone the first time. Then I get a phone call back from the office XXXX getting on to me about how nice she is and that she has always been helpful. Well needless to say that was the straw that broke the camels back. Now that's why I contacted you. I have screen shots of the phone call
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bounce AI, Inc. (TX)

Bounce AI Inc reported to the credit services in XX/XX/2024 that I had an unpaid debt in collection for {$910.00} on a {$300.00} loan made to me from a company named XXXX XXXX XXXX XXXX XXXX. I contacted Bounce AI and XXXX  and XXXX XXXX XXXX and apparently someone made an online loan from XXXX XXXX XXXX for {$300.00} that they did not get any repayments for and turned over to Bounce AI Inc for collection after a couple of years of trying to collect. After trying to work with all three entities involved, I filed a complaint against XXXX XXXX XXXX ( complaint # XXXX ) and XXXX to get the negative comment removed from my credit report. All the detail of the history with them and Bounce AI up to the point of XXXX XXXX XXXX XXXX XXXX responding to the complaint and my acceptance of their resolution are in that complaint history. 
Their resolution was that XXXX XXXX XXXX XXXX XXXX investigated, could not determine how my information was obtained or used to obtain the loan but they " will be unwinding the transaction, instructing Bounce AI to remove the negative tradeline, as the original transaction is inconclusive fraudulent, '' Bounce AI then reported a change in the status of the debt from " in collection '' to " paid and closed '' instead of having it removed from my credit reports. It still is a negative comment on my credit and lowers my rating from Exceptional XXXX to XXXX at XXXX. 
I filed a 2nd dispute with XXXX  against Bounce AI on XX/XX/2024 after seeing what Bounce AI had reported. I received results of that this week and Bounce AI claims the information is correct and did not remove the negative item from my report. 
I did not make this loan. If they will follow the money, they will see that the {$300.00} did not go to me. I want this item removed from my credit report and there should be a penalty to Bounce AI for not following the information that XXXX XXXX XXXX said they would provide to Bounce AI to have the complaint against them resolved.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

Phishing text received from phone number XXXX. " This message is from Spring Oaks Capital , LLC. This message is regarding your Indigo MasterCard account originated by XXXX XXXX, which is now owned by Spring Oaks Captial SPV, LLC. We are willing to accept {$270.00} to resolve your account for less than the full balance. Review this offer by going to : XXXX? XXXX. 
if you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. We request that you review this offer by XXXX. Your account is in your hands. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 
Click here for important disclosures : XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit 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: BARCLAYS BANK DELAWARE (CO)

I have been engaged in a dispute with Barclays for over a year concerning incorrect charges related to payments made through XXXX. Specifically, I mistakenly transferred funds to an incorrect recipient using XXXX different Barclays cardsa business card and a personal card. XXXX transaction was for {$870.00} ( acct XXXX ) and the other for XXXX ( acct XXXX ). 
In XX/XX/XXXX, Barclays refunded {$1000.00} for XXXX of these transactions but has declined to do so for the second charge of {$870.00}. This discrepancy appears unjustified. 

I disputed both charges this and received information from Barclays that the issue was settled in XXXX favor. So, XXXX my surprise when Barclays decided in my favor over a year and a half. I split up the payments I made to XXXX that day, XXXX amount went onto my business Barclays card and the other went on my personal account. 
At the time of this mistake, I had XXXX Barclays cards. On the same day I accidently sent {$1000.00} to XXXX, I sent the same person, on my other Barclays card, {$870.00}. I wanted to break-up the charges owed to my XXXX tour guide, XXXX XXXX XXXX XXXX XXXX is a VERY common name in XXXX. 

I was in a hurry on that day, being pressured to get the money to my tour guide, using both of my Barclays cards, I accidently sent XXXX payments to the wrong person. The same wrong person, nonetheless, the wrong person, XXXX. I immediately contacted XXXX to inform them of the error and their advice to me was that I needed to simply dispute the mistake to my Bank. XXXX was not willing to look at my account and my history to verify my claim that I had sent the money to the wrong XXXX XXXX. I had previously sent the correct contact several payments. XXXX advised me to dispute the charges with my credit card company. Which I did immediately, XX/XX/XXXX. 

So out of the blue, a couple of months ago, I get a letter from Barclays telling me they are refunding XXXX of the charges, but not the other. Then trying to defend their argument with illogical statements that defy the check they just sent me. Specifically, that I was out of the allotted time frame. Barclays refunded me the larger amount of {$1000.00}! Now they only send me a form letter telling me that they will not refund the {$870.00} dollars. It makes no sense.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (PA)

I switched from another student loan plan to MOHELA to qualify for PSLF forgiveness, as I am a XXXX  by profession and worked for qualifying employers. In doing so, I took on even more debt, because it extended my payments/ interest out. However, it was the only way to have my loans qualify for PSLF, so I thought that the benefit would be worth it. 

Forms for each employer were due by the end of XXXX, XXXX. I submitted them XX/XX/XXXX. I had three qualifying employers under which I made payments, but only one was accepted for PSLF. The reason given on the MOHELA website was that they had received " duplicate forms. '' I called to question this, and was told that they received my forms twice, and therefore, those employers would not longer be accepted / eligible. I told the operator that this did not make sense. I had no idea how the form got there twice ( did the fax re-send? ). In addition, what difference would it make if they receive two copies of the exact same form? If the employer counted for eligibility, they counted, and it should make no difference if they received one copy of the form or ten... the form was submitted in time. I was told that my issue would be escalated, but I never heard from anyone to resolve this. 

Within the past month, I have tried to contact MOHELA again to discuss the issue further. The website says that if there are questions, I should contact them. However, when I call, I receive a message saying that due to high call volume, they are not accepting calls at this time.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

CFPB, I have brought Forward the XXXX Attorney General about this matter about settled account with XXXX XXXX XXXX XXXX XXXX that account was a charge off and should have never been on my credit report.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all information that is hurting my credit report. ive listed multiple items that are not following FCRA rules. I am also a victim of identity theft. this has caused major delays on my credit report please review an remove this listed items asap.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

While checking my credit report, I observed that account CAP1/XXXX  ( XXXX ) and CAPITAL ONE ( XXXX ) has records of late payments that are inaccurate, since I have always met my obligations. I have made multiple disputes regarding this issue, but the mark has only 'validated ' itself according to them, without offering certified evidence that I was indeed in default. Therefore, I am filing this complaint, as I believe the company is infringing upon the sections of 15 : 15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are accounts on my credit report as results of identitys theft. Ive never done business with either company! Ive reached out to both companies informing them of the theft, XXXXXXXX XXXX has already took the step to stop reporting to XXXX and its been delete. Im a victim of the XXXX data breach I believe my identity has been stolen as result of that!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I reviewed my consumer credit file and found a fraudulent hard inquiry from Capital One on XX/XX/year> on my consumer credit report. I did not apply for a capital credit card, nor did I give anyone authorization. I contacted XXXX XXXX XXXX XXXX and Capital One to resolve the issue with no success in resolving this fraudulent issue. I am requesting that the Consumer Financial Protection Bureau investigate this matter and have this hard inquiry removed from my credit file. I have placed a fraud alert on my credit file for protection. In addition, I have filed a fraud report with the Federal Trade Commission. This report is attached. Thank you for your assistance in this matter.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A. (PA)

PNC is reporting incorrect information to XXXX I've contact PNC last XX/XX/XXXX and they sent a letter stating that the information will be removed from XXXX My latest report from XX/XX/XXXX from XXXX still shows the record that should have been deleted.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX File number # XXXX Trans Union LLC XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : XXXX { Transunion, } on { XX/XX/XXXX } you received my dispute letter see XXXX XXXX number { # XXXX XXXX XXXX XXXX XXXX XXXX ] regarding inaccurate and incomplete information on my consumer that you replied Verified and Updated. 
The account that you responded verified and updated to still has inaccurate and incomplete information. 
15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the reinvestigation by mail BUT you did not?!

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1XXXX a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate. 

Sincerely, XXXX XXXX XXXX XXXX Reservations of rights Tracking # XXXX XXXX XXXX XXXX XXXX XXXX