davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We received letters from Bank of America on XX/XX/XXXX. It was written Weve made the decision to close your business and personal checking/saving accounts XXXX XXXX XXXX XXXX XXXX Bank of America Account Number is XXXX XXXX XXXX XXXX Bank of America Account Number XXXX I called XXXX and they did not give me any reason why they closed our business accounts and my personal account on XX/XX/XXXX and XX/XX/XXXX I went to our Bank of America Branch on XX/XX/XXXX in person and spoke with XXXX XXXX XXXX Financial Center Assistant Manager ) and she has no idea why Bank of America closed our business accounts. 

We have been running our XXXXt business last fifteen ( 15 ) years under the same company and the same address. XXXX It does not make any sense without telling us why they closed all of our accounts. We'd like to solve this issue with Bank of America, but they are not cooperating. 

Best, XXXX XXXX XXXX ( XXXX ) XXXX - XXXX
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX Acct # XXXX, a subsidiary of XXXX XXXX. XXXX, and address of XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. Assigned this account over to Transworld System inc on XX/XX/22 for collections. The amount assigned over to Transworld Systmen inc is XXXX. The address of service is XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The date of service is from XX/XX/22 to XX/XX/22. I have never lived in the state of XXXX I've been living in XXXX XXXX going on over 30 years. XXXX XXXX XXXX from XXXX, a part of XXXX. A Restoration XXXX is assisting me. In gettting this matter resolved. XXXX XXXX XXXX be reached at XXXX EXT XXXX. On XX/XX/22 XXXX XXXX XXXX placed a conference call to Transworld System inc. The collector who we spoke with. Turned the account over to there fraud dept for further investigation. On XX/XX/22 XXXX XXXX XXXX placed a conference call to XXXX XXXX. The rep at XXXX XXXX advised me on the steps to file my dispute. I went down to the XXXX Police Department. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bus phone XXXX. Officer XXXX XXXX # XXXX filed a fraud Claim # XXXX. Officer XXXX XXXX # XXXX advised me. I can expect a written copy of my fraud claim. Within the next 7-10 business days.
Consumer complaint received 2022-03-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

Navient is the worse company for communication. They sent several emails, to which you can not respond to, stating that they have transferred the account to another company. Then the loan repayments were suspended due to covid. However, all during this time Navient continues to call and harrass myself and family regarding repayment. 
This needs to stop
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO. (MD)

I am having problems with the bank that Fema uses JP Morgan - a lady just called me, and this is the problem -I put in a dispute last XX/XX/2018 with J P Morgan Bank about XXXX XXXXwhich is a Travel agency with the XXXX XXXX XXXX  that I stayed at deals with. I only stayed at this hotel because all others were booked in XXXX Florida because of a football game, any way I called the XXXX  XXXX made sure they had availabily and they did -so I went there for 5 days and when I asked them for a billing invoice they refused and were whispering underneath their breath, so I thought at least I would get before I left the hotel, but they refused and said that I had to contact their travel agency- now J P Morgan first had this lady to handel my case with the last name XXXX- who did nothing so I called J P Morgan s executive office and reported that this might have some discrimination, because XXXX and XXXX were both XXXX - then they got a lady named XXXX XXXX and she wants to go by any paper work that XXXX writes up XXXX and I told her anyone can type up a paper with no signature on it and say I did or any one else did sign up, now they sent all but {$400.00} and this bank has been sneaky and underhanded from the start- they told me they need to check a few more things while keeping me waiting for money that I sent to them. This was reported back in XX/XX/2018 2018
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (SC)

I have contacted this companies regarding the debt that was for validation of debt. 

1stpt I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX, XXXX, and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX   but failed to delete the debt from XXXX  and XXXX. I have threatened to pursue legal actions at this point.
Consumer complaint received 2019-09-17
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. (TX)

I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-08-16
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (TX)

Nationwide Recovery Systems representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$78.00}
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (CA)

My complaint is about Truist bank. On XX/XX/XXXX I learned that Truist bank closed my account due to fraud that I didn't cause. My visa debit card was stolen and I needed a new card. The person who stole my credit card information also tried to deposit a {$4000.00} check. At the time I had over {$1700.00} in the bank account. I was told but the fraud department that closed my account that they wanted me to go into a bank branch to get my {$1700.00} from the bank. Unfortunately, the account was opened online and there are no bank branches in the state of California where I live. I even checked to see if there was a branch in Nevada, and there is not. At that time I requested a check be sent to my home instead as I was unable to find a branch anywhere near me and again the account was opened online. I was told the request for a check would be passed on to a supervisor and they would call me back to confirm. I never received a callback or a check. On XX/XX/XXXX I again called the fraud department to request a check and I was told it was impossible to send a check because the fraud department does not send checks. They again told me I had to go into a branch, even though I told them there wasn't a branch anywhere near me and the account had been opened online. They told me there was nothing they could do. I then called a branch in XXXX, Georgia as Truist could not tell me the closest bank to my house. They told me to search online where you can only search by zip code or city and state. I tried multiple cities in nearby states and there was no branch available. I then started calling major cities and found a branch in XXXX, Georgia. When I called the branch to see if they could cut a check I was told the request was impossible as I had to be in person to be validated and receive my money. I then called the trust hotline to see how this could be resolved and was told again I had to go into a branch. This is impossible for me to do. It is no way possible for me to go to a branch. Truist bank won't return my money from the account they closed. They had no problem taking my money but now they won't return it.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc. (NC)

I was unaware my loans were not a part of the overall federal student loan payment pause. I was told even though my loans were federal student loans, they were " commercial '' federal student loans and had been exempted from the federal pause. 

This information, in my opinion, was not properly communicated to borrowers and set many of us who had never been late making payments on our loans up for delinquency. 

XXXX XXXX XXXX During the time my loans went into repayment, I was on a medical leave of absence from work and was unable to afford payments. I had all 8-9 loans placed into forbearance. 

Despite placing my loans into forbearance, College foundation INC reported my loans as 60 days past due in XX/XX/XXXX and XX/XX/XXXX. 

I have tried several times to get College Foundation Inc to remove the delinquent marks from reporting, or to remove the paid and closed tradelines altogether -- but with no success. 

I am submitting this complaint to have the delinquencies removed from credit reporting to XXXX, XXXX, and XXXX.
Consumer complaint received 2022-07-12
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: Westlake Services, LLC (TX)

In accordance with a Fair credit reporting act [ WESTLAKE FIN XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Wheel City Motors East, Inc. (SD)

She called me at XXXX mountain time instead of XXXX. She called three times in a row waking me and its not even my debt she is harassing me about. She is misrepresenting herself as a state investigator and is threatening people with jail time and felony charges over a consumer debt. Given her caller ID comes up as I Secured out of XXXX XXXX, XXXX  she should be able to look up the time difference between XXXX  and XXXX  XXXX. Her tactics are not in compliance with the FDCPA and she doesnt care. XXXX Deposited a new message : " Hi, good morning. This is Investigator XXXX XXXX. I am a state licensed investigator looking for XXXX XXXX XXXX XXXX XXXX. Or someone at this number. Please call me. Let me know if that's the correct number. This is Tuesday, XX/XX/XXXX at XXXX XXXX. XXXX My number, toll Free Direct is XXXX XXXX XXXX. You're possibly involved in a case assigned to my office. I'd like to speak with you this morning. Please call investigator XXXX XXXX. I can speak with you at this time confidentially again, this is investigator more calling for XXXX XXXX. My number toll free Direct is XXXX. Appreciate a call back this morning, please. Thank you. '' Click here : to listen to full voice message.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

I am a XXXX in college and have an issue regarding 2 hard inquiries on my XXXX   account. The credit reporting service I use is XXXX XXXX and when analyzing my Credit health, two hard inquiries are still present, which is false information. I contacted Discover Bank ( where both inquires came from ) last year, and both inquiries were removed off of XXXX and XXXX. 

XXXX First Inquiry : XX/XX/2017 Discover Bank Second Inquiry : XX/XX/2017 Discover Bank
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

I am being unfairly treated by convergent outsourcing and their refusal to remove an incorrect and illegally reported collection account from my credit report. 

I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California XXXX Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

I have determined that convergent outsourcing is prohibited from submitting information relating to me with regards to the paid collection in question to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 



For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. 

Should this item remain on my credit report and you refuse to remove it after the filing of this complaint with the Consumer Financial Protection Bureau and the California Department of Justice, I will have no choice but to seek legal action against you. I hope you cooperate with my request.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (TN)

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, AN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX REMOVE THIS IMMEDIATELY DOES NOT BELONG TO ME.
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Repeated calls even after sending and receiving confirmation of receipt of a cease and desist order. 

Cease and desist sent : XX/XX/2019. 

Confirmation received : XX/XX/2019. 

First subsequent call : XX/XX/2019. See attached email chain. I responded to the call via email, including the Cease and Desist order, copied the NY and Virginia State Attorney 's General, and The Virginia State Attorney General 's Office acknowledged my request to Portfolio Recovery Associates and logged my complaint. 

Second subsequent call : XX/XX/2019. I responded to all again requesting the Cease and Desist order.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (NC)

I have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.
Consumer complaint received 2022-08-16
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. (AL)

I am a living, breathing human being, as opposed to a legal entity such as a business operation ( corporation etc. ) and for this reason I have rights under 15 U.S.C. 1681. Equifax is governed by 15 U.S.C. 1681. And they have invariably violated my rights on numerous occasions. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been unable to access my XXXX XXXX or TransUnion Consumer Credit. I have contacted the firm over the past year for assistance and can not get a representative in the United States. I am transferred to XXXX and unable to get the assistance required. I have been advised by the representatives in XXXX that I am the problem and hung upon. The representative lied and stated that he was located in Illinois. When pressed, he confirmed that he was in fact in XXXX. 

I am uncomfortable sharing or discussing my personal information with a representative in a XXXX  country. Most organizations who use XXXX customer service representatives will have an American representative contact options. 

What is the value of TransUnion Consumer service to Americans who can not speak with a local or national representative for assistance. I can not share my personal information with someone in another country. Nor, should I be required to. Americans need their personal information to be protected from foreign agents.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion credit pass complaint to XXXX and XXXX measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
Consumer complaint received 2019-01-24
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. (GA)

I tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX   XXXX XXXX.