davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America is impossible to get through to, they did say they closed the account but would not give me any information. 

I do not have any Bank of America accounts and have not applied for any. 

I got a hard inquiry on my credit wise credit alert and immediately started making calls and reported fraud to credit beaus.
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

XX/XX/2020, On Paypal, {$54.00} was sent to XXXX XXXX, XXXX I did not authorize this transaction and they won't return my money. Paypal hasn't offered the option of " reporting an issue. '' I decided to come to this site because paypal gave in a small description that the Consumer Financial Protection Bureau helps with issues such as these.
Consumer complaint received 2018-05-21
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. (PA)

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in 609 letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my 609 letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Consumer complaint received 2023-01-12
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: CITIBANK, N.A. (VA)

I recently filed a complaint with Citi Bank stating that the information on my credit report is fraudulent and nothing was done. Someone opened a card under my name and stole my information to open up an account. Its effecting my credit and Im in the process of filing a police report. I never authorized an account and want it closed immediately.
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (GA)

I sent in a dispute letter on XX/XX/XXXX to verify my medical debt and received no word back on if the debt was actually validated sent another letter today again to get some more information, but it has been well over 30 days and I have had absolutely no word.
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (MO)

I pay an overage of about {$27.00} per month, I have asked that the overage be applied to principal. Edfinancial uses XXXX that allows me to designate the additional principal payment. However, Edfianncial continues to apply payment to future payments. This is costing me additional interests every month. I have filed a complaint in the past and nothing was resolved. They continue to refuse the apply the additional payment to principal because it is a manual process for them? The additional cost in interested is effecting my financial and my ability to pay the loan off faster, ultimately making EdFinancial more money. My prior complaint id wasXXXX XX/XX/19
Consumer complaint received 2019-07-24
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)

Experian is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve 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 U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF ED/XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX USDOE/XXXX  - XXXX USDOE/XXXX  - XXXX USDOE/XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX  is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX NC XXXX XXXX XXXX - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPT. OF EDUCATIO -  XXXX US DEPT. OF EDUCATIO - XXXX US DEPT. OF EDUCATIO - XXXX XXXX XXXX XXXX - XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX A XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

We opened an Amazon Prime Credit card through Chase Bank in XX/XX/2018 because of a promotion that would allow us to buy a couch worth {$1000.00} for about {$800.00}. We purchased that couch on XX/XX/2018 and it was shipped XX/XX/2018. The couch was paid for in one payment and we immediately called to cancel the card prior to XXXX. My wife and I had the understanding that Chase Bank received and processed the cancellation as we both distinctly remember receiving a couple of letters trying to get us back on board with using their credit card. 

Seven or eight months ago, my wife and I received a curious letter which appeared to be from Amazon Prime but did not have matching contact information nor did the logo appear to match prior statements that we had from them. We called to ask why we received a letter about owing some money, and we were told that our account was closed at the beginning of the year after we made our one time payment for a single purchase. I called Chase bank just to be absolutely sure, told them about the letter, and they told me the same thing to disregard this as spam. We did exactly that. 

A little over a week ago I received a letter from XXXX XXXX XXXXThat I had been sent to collections for {$350.00} because of a debt with Chase bank. I immediately called my branch and spoke with XXXX the XXXX XXXXXXXX, Who took the XXXX account number from the letter I had and said that this debt was real and in conjunction with Amazon Prime. She looked it up and said that that resulted from unpaid credit card fees, late payments fees, and interest. This is very concerning considering we have canceled the card at the beginning of the year after paying it off in one payment. XXXX said she was going to print out some statements for me to pick up at the bank branch later, and I have those statements now. 

An additional issue has begun today. I have started receiving phone calls from XXXX in XXXX Florida. There have been several calls to my phone from this number just this morning, and not one single voice message. I had my friend Who is well-versed in computer technology do a search on this number. According to XXXX, this number belongs to Chase Bank collections department. According to XXXX notes, people report receiving dozens of calls from this number a day, some have noted that it is an automated message from Chase bank. Personally I do not respond to an identified collars, or computers that call me, when there is no voice message left as an explanation. 

According to the statements, the only thing Chase Bank did after my request to cancel the Amazon Prime credit card, is open up a new one with a new account number without my knowledge or consent.
Consumer complaint received 2019-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland debt collection agency has called me everyday for the last month looking for someone named " XXXX ''. They continued to call even after I told them that I was not XXXX. Twice they used *67 to block their phone number so it would say restricted, then would ask for XXXX when I answered. They also spoofed their number on multiple occasions. My number is on the federal do not call list and they continued to call after I informed them of this. They calls started onXX/XX/XXXXand continued everyday across multiple different numbers sometimes multiple times a day.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Phillips & Cohen Associates, Ltd. (GA)

Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up. 
Now XXXX has sold the account to a collection agency named PCA Acquisitions V LLC. This company legal team named XXXX XXXX XXXX XXXX are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

This complaint is regarding Mohela and their lack of response to employment certification for XXXX XXXX XXXX XXXX ( XXXX  ) and my eligibility for forgiveness through the XXXX program. 

On XX/XX/XXXX, I submitted a XXXX  application document through their website with employment verification from my employer, XXXX XXXX. I have confirmed they received the document and it is listed on their website as uploaded and " processed. '' On or around XX/XX/XXXX, I received notice from Mohela that my other uploaded applications certifying employment had been processed and a change in qualifying months was observed. My XXXX application for XXXX XXXX ( submitted on XX/XX/XXXX ) also stated it had been " processed '' ( as did the other applications ) however those months are not counted. On XX/XX/XXXX I submitted the same XXXX  application document that was submitted on XX/XX/XXXX. 

In XX/XX/XXXX I contacted Mohela to inquire the status of my XXXX application, the reported it would take XXXX  months to process but declined to comment on the fact that my initial XXXX  application for my employment with XXXX XXXX was submitted XX/XX/XXXX, which was XXXX months from the date of my call. 

The XXXX application submitted on XX/XX/XXXX ( and resubmitted on XX/XX/XXXX ) will satisfy the remaining XXXX  months of employment certification that will bring me to XXXX qualifying payments which will qualify XXXX of my loans for forgiveness. Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XXXX XXXX and Loan # XXXX disbursed XXXX {$8400.00}. Totaling {$24000.00}.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I called Bank of America on XX/XX/XXXX and asked them to close one of my credit card accounts. After being transferred twice, I spoke to a person in XXXX, GA and she had the ability to close my credit card line. However, while speaking with her, I told her to close the line and she asked for a reason, and I told her I didn't want the card anymore. Well this was not good enough because she continued to stall and ask probing questions about why I wanted to close. She continued to probe and tell me it would take a little bit longer and she was almost done. Then she ask me about my current revolving debt, and knew then she just pulled my credit report which I didn't authorize. I told her yes I have other accounts, and I am using them and to close my credit card. She agreed and said it was closed. We hung up. 

Two days after on Monday XX/XX/XXXX, my spouse tried to use our other ( travel ) credit card with Bank of America, and it would not work. I decided to call Bank of America and I found out they closed the wrong credit card account. I don't know how closing the wrong account was possible, since I confirmed the closing account number 3 times. So to correct the error made on Bank of America 's part, I had to re-apply for credit to include consenting to new disclosures and pulling a new credit report. I feel that Bank of America is pulling credit excessively and I should not pay for the bank 's error in closing the wrong account. 

I would be very careful of Bank of America, as they do not have controls in place to prevent errors, or void errors, without the borrower paying for it.
Consumer complaint received 2019-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (CA)

XX/XX/3019. I got another call from XXXX, I recognize it as they have called periodically over the last 3-6 months. Every time I tell them they have the wrong number and they say they will remove it and never do. Yesterday, I got a call, it rang 3x and hung up, I called it back and they asked for my ex-wife again. I have been divorced for many years and don't want to hear the name. They don't care. This date I got a clown calling himself XXXX XXXX, the manager. I had to threaten to file this complaint to get him to the phone after 4 tries and claims that he is tooooo busy. I got him and he again said they would remove the number. 
I am familiar with contacting third parties after they have been advised to stop and this is a violation under the FDCPA and UDAAP. Each violation carries a maximum of {$1000.00}.  per violation. 
I want Convergent to leave me alone. They obviously just purchased another horrible portfolio, ( probably Bankrupt accounts as she filed for bankruptcy. They are famous for buying bankrupt and probate files to harass others. 
I called the number which is not listed and spoke to XXXX XXXX and dhe refused to share the address the agancy is located ; yet another violation. 
These people need an audit, I know for a fact that they have training but they sure do not apply the laws
Consumer complaint received 2019-07-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc. (MO)

I have repeatedly asked Consumer Portfolio Services to stop calling myself and my family members to try to reach me regarding the debt I owe them. I have already spoken to one of  their representatives back in XX/XX/2019 and have agreed upon a repayment plan. However, they continue to call me and my family multiple times per day in order to reach me regarding the outstanding amount owed. I have asked on multiple occasions for them to stop calling me, but they continue to call constantly.
Consumer complaint received 2019-07-24
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. (CA)

On XX/XX/XXXX, I reported to XXXX XXXX, Experian and XXXX that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. XXXX XXXX checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to Experian and XXXX  at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling XXXX XXXX about it two more times and when I finally reached the XXXX, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, Experian showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.