davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America has NOT responded to countless attempts to resolve a fraud dispute. 
Bank of America should protect me from fraud, and not only are they upholding fraud against me, they have NOT responded to me from day one. I have records to prove it inclduing social media correspondence of me pleading to get Bank of America, just to take my call or answer my questions. They completed ignored me. 

I initially filed fraud claims with Bank of America Visa Credit Card in XXXX of XXXX. I provided them with the full history and detailed explanation of what happened with All in One Moving and Countrywide Relocations in writing and via phone. 
I received little no information from Bank of America, regarding everything from the correct amount owed on payments every month, to the status of my claims and could not get clear and concise information from Bank of America at any point. 
I repeatedly tried via phone, email, fax, and social media along with claims filed with the Consumer Financial Protection Bureau. 
Claims at no point despite countless attempts to contact them regarding these issues, returned my calls or attempted to clarify anything. 
I was assigned a Resolution XXXX, XXXX XXXX, who had promised me from day XXXX that she would contact me with her direct email, phone number but failed to do so. XXXX failed to update, reply to messages, answer calls or provide updates since XXXX. On the rare occasions I did speak to her she would say, she will follow up with me but would not. When I spoke to XXXX in XXXX she said she would contact her boss and the claims department and call me back everyday to give an update but did not do so. Even XXXX, on a recorded line, had admitted to me that she didnt understand what the claims department needed from me/ asked of me and would get me the info, but she failed to follow up. 


Bank of America is denying the claim, based on a technicality of time NOT anything substantial. 
I have been a customer with Bank of America for XXXX years and I am a stockholder and have never experienced treatment and/or service from them like this. 

I have asked for XXXX to put her boss in contact with me and the head of their claims department and she's ignored requests. 

XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX ext. XXXX Case # XXXX I was defrauded by All and One Moving and Storage for {$8000.00}, which is NOT a valid business and was shutdown by the state of New Jersey and is NOT authorized to operate.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I called the Bank of America visa activation number on Wednesday, XX/XX/2023. I called the number that is on the sticker on the credit card I just received through mail. 
They immediately mocked my accent and so discriminated me because of my national origin. They refused to activate my card. Then they told me that if I want the card then I must physically go to a nearest bank site that is XXXX miles away, this was very cavalier and discriminatory. I am near XXXX that is the XXXX XXXX Idaho but they said I must physically go to XXXX XXXX in XXXX Idaho that is XXXX miles from XXXX. They did not wanted to give me credit so they send me to XXXX XXXX. I made XXXX phone calls to them but they continued to mock my accent and repeated that I must go to XXXX XXXX. 
My civil rights were violated. I was discriminated in access to credit because of my national origin, race, XXXX and age
Consumer complaint received 2023-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

DOE has instructed XXXX XXXX borrows who intend to separate their loans to request administrative forbearances on their student loans since the separation process wont be available until late 2024. However, Navient refuses to process any sort of forbearance on my student loan account and only refers me back to the DOE because they havent received any guidance on how to process the forbearances.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DC)

genesis credit management XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XXXX XXXX XX/XX/XXXX charge off/closed XXXX  XXXX {$600.00} closed and report negative after reviewing my credit profile today .i identified a discrepancy with these accounts listed under XXXX XXXX and validation was requested as this was an account i didn't recognize, i reviewed my credit report and its still reflecting on my credit report. I have not received my correspondence from creditor to validate these accounts as correctly belonging to me. nor has my credit report been updated to reflect that this account is disputed. this account is negatively affecting me.im not able to get loan to try to get house for me and my family. Under fair debit collection practice act ( FRCA ) ( 15USC 1692g ) stating my claim is disputed and validation is requested.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights by reporting an inaccurate late payment. This was also during the XXXX pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Both two students loans have been paid in full {$14000.00}. On XX/XX/year>. 
The creditor XXXX XXXX HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

So a few month 's ago, my wells fargo account was broken into and someone deposited a fake check, sent the money to 2 separate accounts then when the check bounced my account was overdrawn XXXX dollars, and I tried submitting multiple claims, got transfered multiple times and waited long periods, finally got the claim and they denied it a few days later. Cut to now and they closed my account and sent my balance to debt collectors and I'm still working on trying to get this issue resolved and the same problem happened where they kept transferring me and barely looked into my case. They keep saying I authorized it but it happened when I was asleep.
Consumer complaint received 2023-06-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC (AK)

XXXX  I noticed my report showed a collection but I did not give written permission for 3rd parties to furnish this information on my credit report according to Consumer Law 15 USC 1692c 805 that I have a right to be notified in writing but not have a thing. Attached is the report on my file.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALAMEDA MORTGAGE CORPORATION (CA)

Please explain what a mortgage credit is. 

You charged me XXXX  XXXX dollars for mortgage credits in my first loan. Then the second loan had a XXXX fee. So y did I get charged mortgage credits on loan one. Why did no body tell me what they were. Why did I have to pay XXXX XXXX dollars for something that I think increases my interest rate. Why are they used in both loans. What did you use the mortgage credits for.
Consumer complaint received 2024-03-30
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC ReportXXXX regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

A fraudulent loan for over {$4000.00} was taken out under my name. The company that is in charge of collecting the debt, Crown Asset Management LLC has not helped me at all. I have called, and sent messages, and nothing has happened. I was told by the last company in charge of the fraudulent loan XXXX XXXX did not report it to the credit bureaus. However, Crown Asset Management LLC has done nothing to help solve this. I feel as though this company should be investigated just like all the other debt collection agencies. I would not trust this company at all. I will continue to call them until I talk to a manager, who probably wont help at all. Dont trust them. If Crown Asset Management LLC contacts you dont trust them.
Consumer complaint received 2023-06-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (NH)

Today XXXX I called Aidvantage to discuss lowering my student loan. I am in an income based plan but payments of {$330.00} are still too high so I called to discuss as mentioned in their website. One woman I spoke with said she couldnt help me and she went to transfer me to her supervisor hung up on me. I called again and I spoke with a man a second time. He told me I would pay a higher amount than the first person I spoke with. He mentioned a payment being in {$400.00} range. I told him the last woman told me {$330.00} then said he could potentially get it lowered to {$280.00}. I again asked to speak with a supervisor. Put me on hold. Then said, theyre just going to tell you the same thing I did. Still kept stalling and said his supervisor said I could consolidate my loans. He refused to put a supervisor on the phone. I told him I could pay {$200.00} a month. He informed me I make too much money and Aidvantage would never work with me on that number. I got so frustrated I hung up.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Finance Company, Inc. (KS)

I was contacted by Professional Finance Company , Inc. in XX/XX/XXXX stating that they were attempting to collect a debt for the XXXX. I asked PFC to provide me a reference account number, any possible verification of the debt they claimed I owed, because I had never received any communication in writing or verbally regarding this claim. All I was informed of was that they were unable to provide any information validating the " amount owed '' and that it was from the year XX/XX/XXXX. I immediately contacted the original creditor, XXXX and had the amount paid in full and my account put back in good standing. In XX/XX/XXXX, Professional Finance Company , Inc. reported the CLOSED, PAID IN FULL amount to the credit bureaus without any attempts to contact me. In addition, This debt was never owed to them. Now my credit report reflects inaccurate information. I demand that this be removed from my credit report immediately, I have filed a dispute with XXXX to have the inquiry removed. This is false, inaccurate information being reflected on my Credit Report. The debt was already paid and was never owed to Professional Finance Company , Inc .
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TN)

This was originally falsely posted under credence resource as a debt, until I contacted them and their rep verified there was nothing under my name or phone number and I made him aware I believe I'm a victim of identity thefy/fraud and it definitely was not mine, and it was removed ... I thought, apparently they removed their name and now reposting this which is apparently some unknow named XXXX XXXX that they know is not mine still are allowed to falsely report it against me and it's not mine, under now Enhanced Recovery Co L ( Erc which I already reported on I'd theft report ), and so I called today XXXX XXXX after it just reappeared under a different name supposed XXXX, who knows, it's not mine regardless and they know it and the rep I talked to today XXXX XXXX admitted further there is nothing under my name or phone number yet they still intentionally report this false report damaging me, my name and my credit.She wouldnt give me XXXX phone or address and made exuses, but what's relevant is she like credence admitted they know it's not mine therefore this should be removed immediately and XXXX reported to FCC.Please remove all false and fraudulent statements immediately as the entities reporting false information intentional are fully responsible and liable.Thank you! 
Btw, clearly I don't have an account number because this is not mine, therefore I do not have an account.Due to the bad practices of XXXX bad debt collectors credence and now erc posting identical intentional false reports against my name they can not be trusted after both had reps that stated and confirmed what I already knew, that I do not owe them anything, and still they report false information against my credit report.Should never be allowed.Please remove all false and fraudulent reports asap and cease further false reports, I'm already going through being a victim of identity theft and I am NOT XXXX XXXX and all know it, so remove please immediately.Thank you!
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On my computer my sibling downloaded a virus without my knowledge and ran the virus. I had my XXXX XXXX and my capital one carded added on the computer and my ID card also on my computer for verification for a job. Without my knowledge the credit cards were used for months on a company called XXXX I did my research on the company and sadly Im not the only one who has had their card stolen and has disputed against XXXX and not win or the bank wants to not remove it due to them loosing money. I never made any purchases with the company XXXX and want my money back. Ive had a account through them forever and never really had a problem with this until now. 

Thanks, XXXX XXXX
Consumer complaint received 2022-12-21
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo XXXX ) reported my account as late unlawful XXXX ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}? 
XXXX ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called Well Fargo dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by Wells Fargo that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within XXXX XXXX of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as XXXX XXXX late by Wells Fargo because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that XXXX ) my due date would be adjusted and XXXX ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note Wells Fargo confirmed that they do not report to the bureau for late fees. Also, phone conversations with Wells Fargo note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with Wells Fargo XXXXXXXX XXXX  I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, Wells Fargo XXXX XXXX informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request XXXX They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.
Consumer complaint received 2023-02-26
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  TX XXXX XXXX Reference number XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX, XXXX account number XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

purchased few gift cards on XX/XX/XXXX. When opening the package it turned out that 4 digits of the cad number had been manually removed ( probably by a scammer ) and the magnetic stripe somehow deactivated which prevented me to use the card. 

Fortunately I noticed it really fast and was able to call the number on the back of my card to ask gift card issuer to immediately block my card and send me another one. 

It has been almost 3 months now, and I haven't received anything nor they have replied to any of my follow up emails
Consumer complaint received 2023-06-02
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 was making a payment on my card after a payroll issue had delayed my paycheck when I notice there was a restriction on all of my credit cards. I called to find out what was going on with my accounts. When I spoke with a specialist they informed me that my cards had been closed and when I asked why they stated that is was a banking policy of returned payments & when I stated that I didn't have that issue, they checked & confirmed that I was corrected. I also stated that this policy is nowhere in the paperwork that I received with the card, nowhere on Capital One 's website and that this was the first that I had heard of this policy nor was there any paperwork signed acknowledging this policy.