davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America XXXX BoA ) Savings Account Fraud BoA Fraud Claim XXXX ( Note, a more detailed timeline writeup has been attached as a txt file ). On the XXXX of XX/XX/2021, when I logged in to my Bank of America account, I noticed a massive transfer of money out of my checking account on the XXXX of XX/XX/2021. The sum was around $ XXXX XXXX exact number in documents attached XXXX. It was a payment to an XXXX XXXX ( XXXX ) account NOT owned by me. I immediately contacted BoA, closed the compromised checking account and requested a fraud investigation. I also contacted XXXX regarding the transaction. They did not reveal details to me, but gave me the transaction ID, and told me that BoA should handle it for me. Unfortunately on the XXXX of XX/XX/2021, my fraud claim has been denied. The email simply claimed that my account activity on that day was " consistent ''. I have filed for an appeal simply because how of how ridiculous this conclusion was. Bank of America did not even contact XXXX regarding the suspicious transfer of money. Bank of America has still yet to email me the documentation of their investigation despite agreeing to do so. I even checked with the credit bureaus and XXXX to ensure that the money was transferred to an account that did not belong to me. In addition I requested BoA forward me the documents involved in the investigation ( which the letter claimed was within my right to do so ), but they have still not yet provided me with them.
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (AR)

MY PAYMENT WITH XXXX WAS REPORTED 30 DAYS LATE ON EQUIFAX IN XX/XX/2017. THAT IS NOT CORRECT. MY PAYMENT WAS NOT LATE.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, i have sent multiple letters to both XXXX  and transunion but have not received any responses from them. i am aware that they have 45 days now during the covid 19 pandemic but they are ignoring my requests. The letters were received XXXX and i have the tracking number to prove. That is for second letter indicating that they have not responded to previous letter.
Consumer complaint received 2021-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Absolute Resolutions Corp. (NJ)

In XX/XX/2017 I had just bought a house and was down on money for renovations, I was contacted by this company XXXX  and pre approved for a personal load of XXXX. I took out the loan and made about 6-8 payments of {$550.00}, I lost my job missed some payments and they put me in collections and then charged it off. sold it to another company named absolute resolutions who reports on my credit and now i can not get approved for anything nor can i pay off the amount please help!
Consumer complaint received 2021-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

Nelnet took over my loans in 2015 @ a locked in rate of 4 %. To date, I have made over XXXX in payments and only XXXX has been applied to the principle and XXXX in interest. I have asked for a payment schedule and I was denied.
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (TX)

Received a call on my work phone, I stated this is a work number but refused to care. She ignored my request for information on why they were trying to contact me. After back and forth she gave her name and company XXXX with National Credit Adjusters. I told her this is a work number and please remove off call list. She said they will continue to call this number and was very rude.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Parrish and Lebar, LLP (VA)

My check was wrongfully garnished XX/XX/XXXX. I contacted a representative of Parrish and Lebar and was told that my money could be returned to me. I declined the offer and asked to have the garnishment of {$320.00} applied to my remaining balance. I contacted the law firm today to obtain my balance and to make sure the garnished payment was applied. I was told {$320.00} was applied on XX/XX/XXXX. I received a call soon after from the supervisor. She threatened to garnish my pay again because I didn't make a payment in XXXX. I told her that I did, I let them keep the money from the 1st garnishment. I also explained that my remaining balance owed to XXXX Traffic Court isn't due until NEXT YEAR, so there shouldn't be any more garnishments. She stated that I had a payment arrangement with them and because I didn't physically call in to make a payment in XXXX that she was going to send for another garnishment. My agreed upon payments to this law firm is no more than {$150.00}, they received {$320.00}, that's 2 months of payments. I also told the supervisor that I have XXXX next week and I can not afford to pay anything else at this time due to my medical bills. She basically said oh well.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (AL)

Account was charged off in XX/XX/XXXX same account was later charged off again in XX/XX/XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/2023 I requested corrections be made to my reports. The errors were not fixed and I have not heard from them within period required by law.
Consumer complaint received 2021-02-16
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: HW Holding, Inc (CA)

I am disputing a negative collection mark on my XXXX  and XXXX credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to Hunter Warfield. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from Hunter Warfield. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX  and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX Dispute Results attached file for your reference.
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reel Time Capital LLC (OH)

Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as XXXX XXXX XXXX, REEL TIME CAPITAL, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (NC)

This account was paid off and in good standing. All of a sudden I started receiving collection letters for {$77.00}. 
I contacted the company several times and was told the company was generating letters by mistake. They apologized. Several months have gone by. I attempted to call and speak to manager again the week of XX/XX/XXXX. The number called was XXXX XXXX XXXX. Stated on the letter. Someone answered and I could hear a child in the background. I called the local furniture store where I purchased my item at XXXX XXXX XXXX. I was told the manager was too busy to talk to me even though I think a scam was going on in their company. This account was paid off a year ago. It's not even showing on my credit report. It was supposed to closed. I requested for it to be closed.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

Hi, I received a call from this agency. Apparently I have a {$3000.00} hospital bill. The original creditor was XXXX XXXX, XXXX XXXX XXXX in XXXX. The issue is, that I had XXXX/medical insurance at the time. From what I know, it is illegal, is it not? To send a medicaid patient to collections, to try to bill them for a hospital visit? When this collection agency called me, the associate named XXXX had tried to tell me that this was not the case, even though several resources, federal and state laws on the internet seemed to say that it was the case. 
Additionally I called XXXX XXXX about it a few months ago, and told them I had insurance at the time and the insurance number, and they said they would reach out to XXXX. In the meantime I would assume that this account would be removed from the collections agency, or they would have to cease trying to collect. However, just a few days ago was when I received the call from them. I called XXXX XXXX again after, and they said that they notified the collection agency. I am on social security/disabled and I receive medicaid. I don't understand why I'm being targeted by this agency for a hospital visit. Why XXXX XXXX  sent me to collections when I had XXXX.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation (TX)

I was a XXXX student at XXXX XXXX College when they closed down making them in breach of contract. I never got to complete my degree. When we were in enrolled we were told that we would need to take out a private loan to cover the remainder of the balance. We did this and the private loan went directly to the school never touching my hands. I did not request a stipend check for living so this private loan was solely for the school. In XXXX of 2016 XXXX XXXX in XXXX XXXX closed down and left us with all of these loans. I have called the lender and they stated I would still be responsible for the loan even though XXXX XXXX was in breach of contract. I have given up so much and missed out on so much for this school. I will have to restart my program elsewhere and put my life on hold for another year or so. I do n't believe I should be held responsible for this loan at all being that it went to the school not to myself. I stopped working so I could concentrate on school I feel like I had given my all for nothing. XXXX XXXX convinced me to get the loan out. I did n't even know it was growing interest while I was still attending. I feel that XXXX XXXX breached their contract so I should not be held responsible for this loan or at least not the full amount. While I was attending school I was making monthly payments to the private loan as instructed by the school. XXXX XXXX made it known that we would not be able to attend scho and would be dropped if payments were not made monthly. I consider myself uneducated on the whole private loan and interest thing. I was supposed to finish school this XXXX. Now I am set back. I really hope that I can receive assistance on this matter.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (WA)

LENDINGTREE CALL ALL THE TIME TOLD THEM TO STOP AND REMOVE MY NAME.

EMAIL : XXXX will get 4 to 9 emails a day. Told them to remove my email. 

Will start calling at XXXX up till XXXX XXXX
Consumer complaint received 2017-09-04
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: CREDIT ACCEPTANCE CORPORATION (PA)

On XX/XX/2016I received a letter from this auto lending company Credit Acceptance and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX  because they agreed to remove these transactions they are now along with XXXX  XXXX and XXXX in violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (NC)

RevNow. XXXX calls in XXXX minutes several times a week. Block the number and they call from a new one. Its for my wifes ex husband and they keep calling. They hung up when I gave them this information. Today they said it would take days to remove my number and hung up.
Consumer complaint received 2023-09-01
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: CITIBANK, N.A. (CA)

XXXX lowered my credit score by XXXX points within a DAY after Citi reported I owed an excessive amount on my credit card. Citi admitted to XXXX that the information was entered in error. After doing so XXXX only raised my score back up by XXXX points and stated that I would have to wait an additional 30-60 days to have it corrected. This error should have been corrected immediately with XXXX.
Consumer complaint received 2021-02-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I have try to communicate with the department in-charge of my complaint but they cant provide any information back to me. I tried calling, emailing but no success yet and its been 3 months already. 

My complain is the following : To Whom it may concern, I sold my property back in XX/XX/2020 and both the cardinal  and title agency sent a check to pay the property taxes and at the end the tax collector processed the title agency check. 

I called the Tax Collector here in XXXX County and the tax refund was sent to cardinal financial ( XXXX XXXX  XXXX ) My request is to send me the check of the taxes to my new address XXXX XXXX XXXX XXXX FL XXXX or wire transfer to my XXXX account. 

Property information XXXX XXXX XXXX XXXX, XXXX, FL XXXX Cardinal Financial Loan : XXXX If you contact the XXXX County Tax Collector, they can provide you with the details about this process to resolve the issue. 

XXXX County Tax Collector XXXX : XXXX XXXX XXXX I look forward to hearing from you soon. 


Thank you in advance, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

I made a purchase of {$2800.00} on XXXX that was listed on XXXX as 24 months no interest if paid with Paypal credit. I would not have purchased this item at that price on less favorable terms. I have attached a printout of the screenshot from the checkout. Notice the payment terms are {$110.00} for 24 months, and total payments {$2800.00}. 

Paypal credit equal payment items were all at terms of no interest in the period of XXXX to XXXX. I have provided documentation of this. I was mistakenly charged interest of {$10.00} in XXXX, {$13.00} in XXXX, and {$13.00} in XXXX. I have provided statements documenting this. 

I've talked to Paypal credit CSR twice about having this keyed in their system correctly, and when I last spoke to them in XXXX they told me this item was keyed as 24 months no interest. This was never done. On XXXX I mailed a letter certified mail to the Paypal credit address where disputes are to be mailed. They did receive the letter. As of the statement dated XXXX I did not receive any attention to, or resolution of this issue.
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (AA)

National credit adjuster bought the loan. They didnt check the status of the loan and listed it on my credit report as a collections which forced my credit score to go down causing me unnecessary stress and anxiety trying to fix the issue. This debt was discharged in a BK XXXX 2 years ago. XXXX  still has t adjusted my credit score .. no company should be allowed to place anything negative on your credit file before verifying all details and facts.
Consumer complaint received 2021-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (NY)

I took a student loan from Wells Fargo Bank for the amount of {$9000.00} dollars but I ended payment almost {$20000.00} dollars. The Wells Fargo constantly charged me late fee although, I paid electronically a week previously the due date. I wrote them several letter regarding this late fee but, I was ignored completely. Every year the amount of interest that I paid was between {$78000.00}, dollars, {$630.00}, {$480.00} {$450.00}, {$470.00} {$400.00}. My last paying for the loan Was {$5900.00} which I paid in full but, according to them the interest that I paid was {$290.00}. Furthermore I paid on interest {$990.00} and {$1000.00}, How it can be possible when all the interest paid was over {$3000.00}, I was unable to prepare my tax due to this scam. Wells Fargo is constantly, stealing from the customers the staff in the bank are very dishonest. I just on the rights amount that I paid in interest to be clear because I want to prepared my taxes.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (NY)

I reviewed my credit reports again and it still shows the fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (CA)

This account for Santander is incorrect and does not belong on my credit report I have disputed this for years and it keeps appearing on my credit i do not have anything to do with this and for it to increase in the amount and to act as if its still open currently and report like that is fraud. This has ruined my life and how i take care of my children. It has made it nearly impossible to get a vehicle for me and my family and it a shame.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AL)

Around XX/XX/2021 I received a call from XXXX Gap Inc credit card services. 
I talked to the representative and she did not know why they were calling me because I have a XXXX balance. Since that date I have received calls twice a day from that telephone number I have called Gap about 6 times telling them to put me on the do not call list but I still receives calls from them
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

We are a military family using a VA loan and entered in a Covid forbearance IN GOOD standing. As long as you entered into the Covid forbearance IN GOOD standing XXXX says it will continue to report it as on time. Since entering into the forbearance we since sold the home. Upon selling the home we paid the amount IN FULL to INCLUDE any deffered interest that accrued while in forbearance. HOWEVER, XXXX has reported the status to the credit agencies as paid more tab 120 days late which caused por credit scores to go down over 70 points. Well have find everything we can to make this right.