davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I have spoken to a representative XXXX id # : XXXX on XX/XX/20 in regards to my vehicle acct # : XXXX. I have explained to the representative XXXX my acct shows a past due balance of {$440.00} for XX/XX/2020 and next due for XX/XX/2020 of {$440.00}, however I have made both payments on XX/XX/20 and XX/XX/2020 of {$220.00}. Per the representative she was very helpful and understanding. She was able to notify customer service and explain payment for XXXX was made. Per the representative XXXX she did have another representative to submit a request for a payemtn reallocation for the month of XXXX. I was given a case # XXXX for the payment reallocation. I have called several times about this issue and on the online site still shows I owe for XXXX. I have spoken to two supervisors in customer service and was advised they were sending a follow up for this issue. I would like my account to be handled appropriately and to be updated as soon as possible. I don't think that it is fair for a customer, because I am getting late fees and my account is reflecting as 30 days behind.
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc. (CA)

XXXX XXXX was given 30-day notice on XX/XX/XXXX of cancellation of fiber services. XXXX  has continued to invoice ( refer to case # XXXX from XX/XX/XXXX ) and still sent account to Access Receivables for collections for charges for services after cancellation. Access Receivables was sent notice to Cease & Desist via certfied mail XXXX XXXX XXXX XXXX XXXX ( delivered XX/XX/XXXX ) and via email to customerservice@access-receivables.com on XX/XX/XXXX. Access Receivable called us again today XX/XX/XXXX to attempt collection. They had been notified any further communication would result in complaint.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One charged {$200.00} to my account and I tried contacting them and I also tried contacting my bank for more information on where this transaction came from. 

Please help resolve this. I do not know what to do.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was selling a couch on XXXX  for XXXX. The potential buyer sent me a check for XXXX. He told me movers were coming to pick up the couch. If I could pay them with the extra funds. I told them I was uncomfortable but when I deposited the check at my local Bank of American via the ATM it cleared 24 hours later. Once the check cleared I contacted the buy and he told me they could come pick up the couch today at XXXX. He then asked me to pay the movers via the XXXX app. I was to keep remaining XXXX for the couch. Within minutes of paying " the movers '' I felt something was off and called the police. The police came to my home and told me it was probably a scam/fake money. I immediately called BoA with police. I was transferred to 3 different departments with not a lot of urgency to my situtation. I was told there was nothing they could do. The XXXX tranfer showed as pending but they said they couldn't recall it or stop payment ( even though it had been less than 90 mins ). 

After 3 days, the check was declined and I was fined. I spoke with the check fraud department and they told me there was nothing they could do because I deposited the check. The police confirmed it was a conterfeit check ( versus a bad check with insufficent funds ). 

If the check did not clear, I would never have sent the XXXX payment. I am humilated by own studidly but I feel that Bank of America should take some accountability for clearing a fradulent check. The end result, the loss of {$1400.00} only occured because the check was cleared by the bank and showed as sufficient funds for 72 hours.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BTH Management (MI)

I had a debit with the original creditor that was expunged to the bankruptcy they sold the status of private company who intern said that my bankruptcy does not matter that that I owe them the money they purchased it now I owe them to XXXX dollars plus the collection fees of {$5000.00} are very rude very negative went off my XX/XX/XXXXfiling of a chapter XXXX  instead of my filing of a chapter XXXX which included the stat him contact to the bankruptcy attorney they contacted them let them know that it was expunged from the bankruptcy courts they told him it doesnt matter that I owe them the XXXX  money pay or they were going to sue me garnish my wages and put me in jail I am over this Im over the abuse of tactics they are emailing me and my husband my friends my family calling my husband my friends my family my children my minor child
Consumer complaint received 2020-02-25
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. (GA)

I have submitted several disputes and havent received any verifiable proof. Equifax only sends back the report stating the accounts has been verified as mines. I have asked Equifax to provide me with their method their utilizing to verify this erroneous information and to provide me documentation with my signature from the original creditor. To this date, Equifax has failed to provide me this information ( if Equifax stating they have verified this information as mines wouldnt you think they would provide me the information I am requesting. I know for a fact their using third parties to verify this information, such as XXXX and this is clearly a violation. I believe Equifax is not conducting a thorough investigation, but is utilizing their E-Oscar system, which is the automated credit dispute verification system which is not a thorough investigation. I also included the updated report Equifax has sent back to me stating the account were verified as mines, which states on the report Bankruptcy was verified through their third-party vendor XXXX ( VIOLATION # 2 ) ( NOT ORIGNAL CREDITOR ). By law according to the FCRA credit  bureaus are to do a thorough investigation and to contact the original creditor. I am requesting Equifax to do a thorough investigation and not utilize there E-Oscar System, PACER, XXXX, and any other third-party there utilizing but to contact the original creditors that is listed on my credit reports and to provide verifiable proof, documentation with my signature from the original creditor and if this information can not be verified correctly according to the FCRA I request these unverifiable accounts be deleted immediately.
Consumer complaint received 2020-02-25
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-02-25
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ADVISORS MORTGAGE GROUP, LLC (CO)

On XXXX XXXX, I took a reverse mortgage class and was charged {$120.00}. I was told by Advisors Mortgage Group , LLC that I would be repaid at the closing. I also later found out that I didn't need to take this class since it had not been 5 years since I took the original class. On XX/XX/2019 I paid {$430.00} to have the house appraised.Again, I was told that the money would be repaid back to me at the closing. Then after not hearing back from them until XXXX, I was told that I did not qualify. When I asked about my money being refunded like they had promised, I got no reply.
Consumer complaint received 2022-10-15
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. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

on XX/XX/2019 went bank of America XXXX PA meet XXXX XXXX Sales Manager at XXXX XXXX XXXX and she told me you preselected for credit card just apply and get approved right its good card travel, are you sure i got approved new credit limit, she answers yes yes, i did apply and receive a call later 30 minutes from credit team they ask me to unlock credit bureau XXXX which i did and she comes back and telling me, ooh we gon na reduce the limit of another credit and give you this limit {$3200.00}, then after 10minutes i  received one more we gon na decline the application, after secondary review apps i said to her are you playing and just left hard inquiry on credit for 2 years really do bank of America have much time to play with customers and i asked to leave feedback she didn't let me do it so right now i want bank of america remove hard inquiry
Consumer complaint received 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted ALL businesses by certified mail as well as all three credit bureaus pertaining to my issue. I have MANY hard inquiries on my accounts as result of my information being compromised and i had placed a security alert on my credit reports because of that, and even after doing so my credit was run over 20 times!!!!! I was never once notified or asked to give the identifying information required with the security alerts placed on my account, and now my credit is suffering immensely. Legal action is my next route if this does not get fixed in a timely manner, as it has already been way too long, and i have already addressed the issue will all companies involved and NOBODY has fixed their wrong doing. I was in chapter XXXX bankruptcy at the time FURTHER showing that the inquiries should not be on my account and again I was never notified or asked to confirm and allow my credit to be run!
Consumer complaint received 2021-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Titan Receivables, Inc. (UT)

Titan Receivables is reporting a debt on my credit file that needs to be removed. I have previously disputed this account and since then I have not been able to communicate with anyone at Titan Receivables. I never got a response regarding validation of the debt which should've removed it in the first place, but now I can't get in touch with anyone. I have tried calling multiple times to speak to a rep and no one can seem to help me try to get this solved. Despite me wanting to pay it to get it over with, they still can't seem to help me with that. This debt is past the statute of limitations in CA and they can't even collect on this debt anymore but beyond that they have no interest in collecting payment either! This just needs to be removed from my credit file, you continue to report invalidated debt which can be considered fraud under both federal and state laws. If this is not removed I will have no alternative but to exercise whatever rights and remedies I have under the law to enforce this removal, not excluding legal suite against Titan Receivables.
Consumer complaint received 2019-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

As of XX/XX/XXXX, XXXX is once again claiming that I am a student at XXXX College. This was previously fixed but now the fix has been undone. I am not a student at any institution and have not been a student at any institution since XX/XX/XXXX.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I consolidated my federal student loans in XX/XX/XXXX to apply for PSLF. PSLF application submitted XX/XX/XXXX. I have worked for the same employer since XXXX and made well over XXXX payments. Since submitting, I remain at XXXX payment counts. Payments from XXXX to XXXX remain missing despite having the same employer. I've spoken to Mohela who says they're waiting on FSA. FSA responded to my initial complaint saying Mohela has all the necessary information.

I have asked Mohela to process the payment information from FSA so that my counts can be updated. It is now XXXX months since application and I have not seen any updates.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

My sister died on XX/XX/2022. The probate court assigned me as personal representative to handle her affairs. The court provided me with written notification of this, and my attorney advised me to open an estate checking account to pay my sister 's final expenses.. I called my sisters bank, USAA, to start this process.

USAA advised me that they did not handle estate accounts. Being that there are no " brick and mortar '' USAA locations, I asked the rep with whom I spoke how to handle this. The rep informed me that they would issue a check directly to me, that I could take to my local bank, or wherever I opened the estate account. The value of my sister 's accounts was rather high, and I did not feel comfortable with a check of that value being in the mail. I asked if we could wire the money, and they said, " no ''. I was told that the only option to transfer the money quickly would be to establish a checking account through USAA in my name, and transfer my late sister 's funds into that account. I was further told that the transfer would be instantaneous if I chose to do that. I opened the checking account in my name as USAA RECOMMENDED. 

Once I opened the checking account ( on or about XX/XX/2022 ), I was then told that it would take 15 business days for the money to transfer from my sister 's account into the new account. When I protested and stated that this was not what I was told originally, I was told by the rep that it was simply USAA 's procedure. 

On or around XX/XX/2022, the money from my sister 's account finally transferred into the newly established checking account that USAA opened in my name. Once this happened, I called USAA to have these funds wired to the estate checking account that I had opened at my local bank. MAY I REITERATE THAT THIS IS THE PROCESS THAT USAA TOLD ME TO DO! This time when I called, the rep with whom I spoke told me that I could not wire the money because my account had not yet been open for 30 days!

My overall complaint is that USAA will find ANY reason they can to not release funds, or delay releasing funds. USAA has clearly failed to understand the simple concept upon which the banking industry was founded ... .A secure place to keep your money and access it when YOU need it. NOT when the bank decides to release it.
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (TX)

" XXXX '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXXk XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ) In addition there is XXXX Inquiry by XXXX XXXX and XXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " Experian '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( Bank XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX XXXX  XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXTI Bank XXXX )
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Todays Date ] Experian [ Experian 's Address ] [ City, State, Zip Code ] Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding the information contained in my credit report maintained by Experian. It has come to my attention that there is a collection account listed on my report, which appears to have been furnished by XXXX XXXX XXXX XXXX. However, upon careful review, I have determined that this entry may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I wish to emphasize that I have not engaged in any business dealings with XXXX XXXX XXXX XXXX, nor have I provided consent for any other entity to transfer any purported debt to them. As a consumer protected by the FCRA, I am entitled to accurate and verifiable information on my credit reports. 

Therefore, I kindly request that Experian conduct a thorough investigation into the validity of the collection account in question. I ask that you request documentation from XXXX XXXX XXXX XXXX demonstrating the existence of any contractual agreements between us and the legal basis for the collection activity. 

Furthermore, I have not received any prior correspondence from XXXX XXXX XXXX XXXX regarding this alleged debt. Without proper notification, I am unable to address any outstanding obligations. Therefore, I request that you suspend reporting this account until the validity of the debt can be adequately verified. 

In light of the circumstances, I respectfully request that Experian remove the disputed collection account from my credit report. Its presence is adversely affecting my creditworthiness, and its removal is necessary to ensure the fair and accurate reporting of my credit history. 

I appreciate your prompt attention to this matter and kindly ask that you provide a written response within 30 days, as required by the FCRA. Failure to do so may result in further action being taken to safeguard my rights under the law. 

Thank you for your cooperation and assistance in resolving this issue.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MS)

On XX/XX/2021 I applied for the Citi AA XXXX XXXX credit card, due to the XXXX Citi offered me. Citi approved the card on XX/XX/2021. I received the card and activated it without any problems. When I attempted to use the card today at a restaurant, Citi declined the charge. Whenever I contact Citi customer service, they're not able to fix the problem. I would like the card to work without declining any purchases in the future so I may spend at least {$3000.00} to earn the bonus Citi promised me for opening the account. I plan to make several large purchases ( over {$1000.00} each ). I would like the card to process these charges without declining them.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$640.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance ride. The ambulance company failed to bill the insurance company properly and consequently I was charged in error. The account went collections and the money that was due was paid directly to the attorney and the attorney was responsible for getting payment to the ambulance company. This false reporting of a collection, that was not my responsibility, is seriously harming my credit score and needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have been trying to work with my lender but they continue to disregard my documents. My counselor XXXX XXXX has submitted numerous third party authorization forms that I signed and provided but Wells Fargo keeps dragging their feet. I am just trying to save my home and they need to start paying attention to the documents that are being submitted. It has been over 3 weeks waiting on them and XXXX rep telling us that they have and another saying they don't.