davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my bank of America, prepaid debit card stolen, along with all my personal effects, on or around XXXX 2020.My identity was stolen and used to steal money, from my account.i contacted bank of America and they froze my account.at that time I was going thru a major hardship, going out of business, but when they froze my account, it put me into official homelessness, I also had a psychotic x-girlfriend and her minions apparently whent on a spree for over a year, somehow using my personal information to drain me .I lost everything and struggled to survive day by day, by the time I was able to get myself on my feet, and even think of anything normal again I checked into my account and saw many thousands were spent so I made a claim with bank of America, and they denied my claim, so I persisted and showed evidence on my behalf and they then saw it in my favor, I was sent approximately XXXX XXXX.a few months passed and I checked on my accountant they told me I had to file another claim to get reimbursed, idid, I was denied again.so I persisted more and they saw the claim in my favor, I was issued {>= $1,000,000}, .apparently my claim was broken into several different claims.i still have 3 more claims ( XXXX ) $  {$8200.00} ( XXXX ) {$8800.00} ( XXXX ) $ XXXX.im tired of getting denied when all these claims should have been resolved in my favor since the first one was turned over.? can you help me get bank of America to stop playing games and causing massive stress when I can't get reimbursed and I have go thru this unnecessary process of having to fight for my claim when the first claims were denied then seen in my favor they are all the same claim and I don't have the time or knowledge of how to deal with this confusing mess ... I need help can I please have you contact boa with a complaint... or will I have get a lawyer and sue.? I don't even want to cause problems but I'm sure they don't deal with homelessness and going hungry if I can't get a resolution I am expecting after my claims get reconsidered in my favor for good reason, I just want fair reimbursement, without having to fight for what has clearly been agreed upon by the bank and i. I have gotten no explanation for why they deny, but I don't need one I guess... I want my life back and my claim can get me back to a place I can live my life and not possibly die on the streets XXXX me thank you... Sincerely bank of America customer.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (OK)

Second notice, I sent notice to this company through CFPB stating they were in violation of FDCA. They responded that the were assigned the debt. First violation- you have 5 days to send notice to me once you assumed a debt, and give me the right for you to validate debt. you did not, Second after contact through CFPB you had thirty days to validate debt, you have not. You place on my report the debt was disputed the 5 days later you report debt resolved in which it was not. 

XXXX bank report to credit report as well. You show account is open in which it can't be it's collection then you show as if your company and me have a contract in which we don't. 

If not resolved I will take to court, and force you to show contracts between me and your company and any other company that bears my signature, I will also seek Max amount allowed per violation. I have only listed 2 so far.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Army and Air Force Exchange Service (FL)

I had a balance left of {$8.00} with my Military Star Card. I called and spoke with a representative about paying off the debt and if they would remove all negative remarks pertaining to my account/credit report. They agreed and I made my final payment. I still see the remarks on my credit. I have it all recorded on the verbal conversation.
Consumer complaint received 2021-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I have made all required monthly payments to my consolidated loans ( currently serviced by FedLoan ) while employed by a an eligible nonprofit employer for almost 10 years, and 31 of my payments have been classified as ineligible. I have followed all loan servicer instructions and directives and documentation from federal agencies precisely as they existed at various times over the past 9+ years, so am deeply confused and concerned that many payments are ineligible. 

Multiple payments classified as ineligible by FedLoan have been under " manual review '' for over a year with no change. In XX/XX/2021 I submitted my annual certification in an attempt to have my payments reviewed for both XXXX and XXXX eligibility with no change. I formally requested that the other ineligible payments be manually reviewed earlier this summer with zero change in status. 

Please note that I have faithfully paid my required payments every month for almost 10 years ( 9 years 9 months ), stayed in eligible full-time employment ( 2 non-profit employers total ), in the good faith belief that I would qualify for federal loan forgiveness at the 10 year mark as described by all program documentation. 

As of XX/XX/2021, after 9+ years of payments, I have paid {$42000.00} of the original principle balance of {$64000.00}, and have a remaining loan balance of {$45000.00}. According to FedLoan, I have 40 remaining payments under XXXX and 31 remaining payments under XXXX. This is outrageous, and I ask that my payment history be reviewed and my " ineligible '' payments be reclassified as eligible and my payment summary updated accordingly.
Consumer complaint received 2018-04-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (IL)

I paid off my loan on Wednesday XX/XX/18. The company refuses to take the final amount out of my checking account. I contacted the company through email multiple times to find out why there is a delay and they keep instructing me to call them. I called and no one can give me an answer on my loan. I believe they are going to resume withdrawing money from my checking account biweekly, instead of completing the payoff.
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Tuition for my son 's school is to be paid via an invoice, however the tuition was debit via an ACH. The school was unable to stop the payment so I called the online support team for Citizens Bank and asked if they would be able to return the ACH since it was the same day & they said no. I then went to my local branch and the Assistant Manager briefly listened to what was going on and suggested I go to the branch where I opened my account for them to help me. He then accepted a phone call mid conversation and ended the interaction.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (OR)

On XXXX XXXX, 2022, my XXXX phone was hacked and my identify stolen for about 12 hours. During this time, the hackers were able to hijack my XXXX account and intrude on my XXXX account. XXXX, XXXX and XXXX were very responsive and worked to restore service and secure my accounts immediately. A few days later, I started receiving notifications that an XXXX order had been shipped to an address in Florida. Again, I worked with XXXX on this issue, eventually supplying them with a screen shot of the Florida address. I continually monitored my credit cards during this period and there were no fraudulent charges. However, on XX/XX/XXXX, I received a text from Affirm that my XXXX purchase had been confirmed. ( Affirm is a company that apparently sets up payments over time for online purchases. ) Apparently, the hacker had set up an Affirm account during the period they had my ID ; once I had my phone restored, I started received delivery notifications from XXXX and payment notifications from Affirm. On XX/XX/XXXX and XXXX, I contacted Affirm, first by email and then by phone, and explained the situation. In response, I received an email saying that Affirm would be in touch within 3-5 business days. I received no response. On XXXX XXXX, I received a text from Affirm that a payment was upcoming. I called Affirm again and explained the situation. In response, I received an email again saying that Affirm would be in touch within 3-5 business days. I received no response. This was repeated on XXXX XXXX. I called Affirm again today and the person I spoke with now says I have no Affirm account and that she could not resolve the issue and would have to refer it to someone else who would email me. I am now receiving texts from Affirm that my payment is overdue. I can understand that a company would need to investigate fraud complaints but I would expect a company to suspend their claim for payment while investigating and to communicate with the complainant instead of being completely unresponsive for over a month now.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NV)

BMW Financial Services XX/XX/XXXX, XX/XX/XXXX This was a joint account and my credit report shows 2 late payments while the other person on the account shows 1 late payment. I tried to reach out to bmw but they will not remove it or look into it any further. 

I have 8 credit Inquires from XX/XX/XXXX that i did not authorize XXXX of XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

MIDLAND CREDIT MANAGEM # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification of Debt Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Neon Newco Corporation (NV)

I received a Brinks prepaid XXXX when I never requested one or signed up for anything that would've resulted in a card being sent to me. I feel that my privacy had been violated by them sending this card unsolicited.
Consumer complaint received 2018-05-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WINN LAW GROUP, APC (CA)

Winn law group sent me a letter stating they want to levy my bank account after I asked them to stop contacting me. They sent me a letter they would cease all collection activity just a few months ago. Now they want to levy a bank account I don't have. lol. Good luck to them. They just keep harassing me at this point. They need to get shut down.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JH Portfolio Debt Equities, LLC (AZ)

On several occasions, specifically on Saturday mornings, this company is calling me at XXXX. They will also call repeatedly after making contact with me. For example ; I will answer their call and speak with them and comply as much as possible. They will continue to call me throughout the day and advise that because I have not secured a payment arrangement they will keep calling all day. I have spoken to different managers and they will not stop calling before XXXX and tell me that my area code is on the east coast so it is XXXX when they call, but my address is and always has been in Arizona and has never changed. I am not on the east coast and I feel this is an intimidation harassment tactic. Please see proof of the phone call. This company calls from several different numbers so it is impossible to block their number and they will never leave a voicemail. Also do not accept the excuse that the phone number is not associated with their business, because I did call the number back and was connected right away and they already knew my name and account information based on the number I called them from. The number is the photos I attached absolutely belong to them!
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

Account Number - XXXX I sent two certified pay in full letters XX/XX/XXXX and XX/XX/XXXX and a recorded conversation XX/XX/XXXX. Resurgent Capital Services still refuse to work with me on a fair % of the debt for this account. Just to omit this debt on an account I NEVER opened up I am willing to pay a portion of the debt, but Resurgent Capital Services will not work with me on a fair % for a debt on an account I never used or opened up. 
Abbreviated Correspondence List Below : a ) Four CFPB complaints ( ignored ) b ) Two FTC dispute letters ( ignored ) c ) Two validation letters ( ignored ) d ) Received 17 unreliable and incomplete reply letters from XXXX XXXX and misc. companies. 
e ) I sent several dispute letters to all three credit bureaus which ( successfully removed all debt from the credit agencies ) f ) I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount Resurgent tried to demand me to pay. There seems to be no working with Resurgent Capital Services for a fraudulently opened account for removal on a fair amount.

g ) XXXX XXXX can not provide me with the original contract between the original creditor and me that I did not fill out or ask for. 
h ) The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed to you, but it had increased due to interest and charges. A {$120.00} payment with the conditions above via money order is above and beyond an acceptable amount for an account that was never opened by me, not seen by me until my credit report in XXXX, and never used by me. Work with me, and you will never see another complaint or letter from me again. 
i ) Two certified pay in full letters Resurgent Capital and one to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ( ignored ) j ) Reply letter XXXX XXXX this letter said nothing and was incredibly stupid regarding nothing about the account again.
Consumer complaint received 2023-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Autovest, L.L.C. (CA)

I tried to disput this account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and the problem got fixed for being fraud they took XXXX dollers from my state taxes as autovest now it showing on my credit report as negative on my XXXX  with a XXXX doller amount so XXXX  took off the replacement car then left the collection account if the car from XXXX XXXX still on my credit report showing a XXXX balance
Consumer complaint received 2022-03-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

In XXXX of XXXX, I had took out a loan in the amount of {$15000.00} to consolidate by credit card debt which I was told that this would not be considered a 2nd mortgage that my home will only be used for collateral with XXXX XXXX XXXX at that time I signed a binding security agreement. for 15yrs. of 180payments in the amount of {$210.00} and 1 payment of {$260.00} with a 14.93 % interest rate total amount will be paid back {$38000.00}. XXXX has since sold the loan to Specialized Loan Services ( SLS ). I was recently sent a letter stating that my original loan is reaching its maturity date and I still owe {$9400.00} on this loan. I was told that I could try to refinance the amount or send the full unpaid principal balance XXXX by XX/XX/XXXX. As of today, I have fully paid my obligation to XXXX Specialized loan service. there is not indication on my original loan that I will be charged an additional {$9400.00} to close this loan out. I was told by agent from Specialized loan services that back in 2007when I took my loan out, companies were approving loans with low payments for affordability and my payments was not fulling my obligations, only a little over {$50.00} was going towards the principle balance and the remainder was going towards the interest since recently when they increased the amount from $ XXXX {$95.00} to the principle as of today, I have paid {$38.00}, XXXX I have fulfilled my debt of {$15000.00} balance. This type of act is illegal an therefore I do not feel I owe Specialized loan services any additional funds. I'm willing to take this action to Supreme court or file a class action law suite so no other consumer can be victimize with this unfair act. I'm requesting that my last payment of {$210.00} XX/XX/XXXX will consider this loan paid in full with a satisfactory agreement. I have attached all supporting documents.
Consumer complaint received 2018-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Someone attempted to open 5 different credit cards in my name using stolen information on XX/XX/2017. I was alerted by XXXX XXXX of this attempted fraud. I contacted each lender to explain the situation. I asked that the requests for credit be declined or the account closed and that the hard inquiry be removed from my credit report. It has now been almost 8 months and Capital One ( Saks card ) STILL has not removed the hats inquiry from my credit report. All the other lenders did so immediately.
Consumer complaint received 2022-03-01
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: Receivables Management Corporation (SC)

I completed a dispute on an account on my consumer report about a paid collection that remains on my consumer report. I contacted XXXX, XXXX as well as XXXX telling them I want to dispute this XXXX XXXX on my account. The account that I disputed is RMC ( XXXXeceivables management corp ) from XXXX health XXXX. I also sent in a letter showing proof that the collection agency initially agreed to do a pay to delete. XXXX and XXXX keeps telling me the account is accurate and set to stay on MY consumer report for 7 years. I even sent them the initial letter showing where this account was supposed to be deleted. The only one that did the right thing and removed this account from my consumer report was XXXX. I contacted the collections agency also and this account remains on my account even after it was paid for deletion.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I bought a product from Equifax for XXXX online I was. alerted that my report was accessed 27 times so I called to dispute the information. 
I have a product I bought that supposed to have fraud resolution support, i called. Equifax to dispute these fraudulent inquiries they. wouldn't do it, but this product gives you or supposed to give the abililty to dispute fraudulent accounts or inquiries, i was treated with disrespect, I paid for this product and I expected help for the 27 inquiries on my credit report because its inaccurate information, thats what this product is there for you to buy and get customer support from a fraud resolution representative at Equifax, this product seems to be fraud you spend the money you go to call no help at all, I want Equifax to reach out to me and resolve this, under the fair credit reporting act you have the right to dispute fraudulent accounts any inaccurate information on your file and information that you recognize, please help to resolve this .i have contacted Equifax they have failed to help with the situation, I bought a monitoring product and it alerted me that my report had over 27 inquiries on my file and this is fraud and I dont recognize these inquiries I have ask Equifax to remove these inquiries and in their response they want me to go to each individual company and dispute it with them but due to this COVID-19 no one is in theses offices at this time, so I bought this product to insure I stay on top of my credit but unfortunately Equifax has took my money and doesnt want to help I was treated with disrespect and hung up on and I sent them a FTC identity theft report to show I filed it and sent to them through better business bureau they failed to want to help, please have Equifax resolve this and take these inquiries off my file please and have them contact me I will not go through any company because of this COVID-19 thats a waste of my time and these inquiries are fraud, I do not want a fraud alert on my credit report Ill decide that, but please help as I have tried 10 times and Equifax has ignored me