davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was contacted on XX/XX/18 by a person claiming to be a Bank of America employee ( call was from a B of A # ) who stated that fraud activity was detected on my card ending in XXXX. I confirmed that was my card and the person assured me that she was canceling the card and would reissue a new one. She read me other recent activity on my account to confirm whether it was valid and sent text messages with authorization codes I was required to read to her ( also from a valid B of A text # ). As she was 'working to resolve my issue ', I began to receive other emails and text messages regarding activity on my account. I tried to log in to my account but couldn't. She told me she saw that I was trying to log in and would walk me through that step when we were done. She also said that she was handling the additional messages I was receiving on my account. After 1 hr 9 min on the phone, the call dropped. I hit redial from the # she contacted me on and was connected to B of A fraud dept. I explained what had happened and eventually I was able to log back in to my account to see that both my checking and savings accounts were depleted. This 'employee ' had transferred my savings funds to my checking account and authorized multiple ATM withdrawals and purchases in Florida ( I live in Arizona and had my card in my possession ). I opened a fraud claim with B of A, which has been denied. Because this person had access to all my personal information, I feel at risk for identity theft as well and have issued fraud alerts, a credit freeze and filed a police report. Bank of America couldn't possibly have actually researched this claim to come to the conclusion that the charges were authorized. I have submitted additional information requesting reconsideration of the claim, but have no faith that the results will be different. I've called multiple time and they are dismissive and unhelpful. They do not want to admit there are gaps in their security that allowed this to happen. Everyone should be aware of this because it could happen to them.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a call from Portfolio Recovery on XX/XX/2020 at XXXX XXXX CST. The caller ID had been changed to XXXX XXXX XXXX  which is a company I currently have an up to date credit card with. When I answered the phone thinking it was regarding a possible fraud alert on my card the caller identified herself as being from Portfolio Recovery to collect a debt from XXXX XXXX. I called back the number they called from and it was indeed from Portfolio Recovery and had nothing to do with XXXX XXXX XXXX. I have an issue with this as they not only misrepresented themselves but used information within my credit file to do so. I have a screenshot of the call showing the caller ID and the number that they called from as well as the date and time.
Consumer complaint received 2022-04-05
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. (MI)

Hi I am submitting this XXXX XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2020-10-12
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. (NY)

I sent several dispute letters to Experian on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Consumer complaint received 2019-11-01
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: DISCOVER BANK (CA)

Discover has been removed from my XXXX credit report. I have contacted XXXX, XXXX, and Discover. They keep telling me that they have verified it. How? How are they verifying it when XXXX removed it off my credit?

Discover keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account.

XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.
Consumer complaint received 2019-11-01
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. (TN)

Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.
Consumer complaint received 2020-08-14
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. (CA)

On XX/XX/XXXX, I disputed my credit report with XXXX  and included santander consumer in the initial dispute. Letting them know that I am no longer liable for that account due to litigation and a judgement being entered against the company that they must remove their tradeline from my credit. XXXX  did not investigate as per fcra regulations. As the item somehow came back verified. I then again requested a reinvestigation on XX/XX/XXXX because not only was the tradeline removed from my XXXX  report but some reason it came back updated and verified with XXXX  that I made two on-time payments in XXXX and XXXX of XXXX and the account has been charged off as of XX/XX/XXXX and became defaulted in XXXX of XXXX. That investigation was closed out for XX/XX/XXXX without further reinvestigation per fcra. XXXX XXXX XXXX is in violation of court orders.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (GA)

On XX/XX/2017, I had a theft from my bank account of {$720.00} due to someone fraudulently using my debit card to make a purchase online at XXXX XXXX. I immediately reported it to my bank which is XXXX XXXX located in XXXX Oregon. Their parent bank is Compass. I also, immediately, filed a case with XXXX XXXX and filed a report with my local law enforcement. This happened a week ago and not one person from Simple 's disputes team has reached out to me to discuss what happened despite my desperate efforts through emails and phone calls. I have done everything I can possibly do to get my money back, and the fact they will not even acknowledge me is unacceptable. I have rent I need to pay, medication I need to buy. This is a whole paycheck that was stolen from me. I am the victim of a crime, and the bank is victimizing me all over again. The bank 's dispute email is XXXX and their number is XXXX.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

Westlake financial services auto loan show incorrect payments dates on all 3 credit bureaus, XXXX XXXX XXXX and XXXX had differently payment history that is incorrect and need to be correct it since I was never late Westlake financial services Account number # XXXX
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IN)

Since XX/XX/XXXX, my Paypal accounts were closed. However, every month the account is reporting as missed payments and dropping my score by XXXX points. I have not missed any paints in over a year. I spoke with Paypal customer service at XXXX on XX/XX/XXXX about the issue. The representative told me they couldn't send me anything in writing but would notify the credit bureaus.
Consumer complaint received 2023-01-18
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: Consumer Portfolio Services, Inc. (IL)

I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please 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 XXXXXXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jonathan C. Frank & Associates, LLC (FL)

Starting on XX/XX/XXXX I began receiving calls from XXXX on multiple phone numbers, both business and personal. On XX/XX/XXXX at XXXX I answered the call and was informed it was the notifcation department informing me that legal action is being taken against me and to call XXXX for more information. The caller provided a reference number XXXX. Upon calling XXXX, I was routed to XXXX XXXX who would not provide me with any information about the reasons I was being called, just informed me that I would be receiving a certified letter in the mail explaining the lawsuit, since I refused to provide any personal information such as SS # and/or date of birth over the telephone to a company who has not contacted me via USPS regarding any debts thus far. I informed XXXX XXXX that I was requesting no further contact via telephone at my place of employment, to which XXXX XXXX started to heckle me asking me if that made me feel better since it does n't matter, they 're already going to sue me.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I have tried everything to get a copy of the report stating that they are closing my account and that they have no intention on returning the money in my account to me but, they are telling me their notes are for in house only. I think that is wrong and unfair. I feel I have the right to proof of what they are doing to my account. I still get text messages weekly telling me there is over {$38.00}, XXXX in my account and I also get emails. They are stealing my money. They tell me I need a court order in order to get the report but, they didn't need a court order to steal. Please I need your help to just get the report telling me what they are doing and. If they intend to close the account and return the money to the banks then tell me so.
Consumer complaint received 2019-05-10
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. (CA)

After months of back-and-forth with a XXXX XXXX XXXX and weeks of trying to deal with XXXX XXXX regarding unauthorized charges on my bank account and credit card XXXX XXXX XXXX ignored sending me my refund on a secured card in XXXX XXXX simply shut me down with no way to pay off the balance even though there was an authorized charges greatly affecting my credit score and my ability to bank
Consumer complaint received 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SD)

I returned to school in XX/XX/XXXX. At that this time my student loans that are serviced by Navient went into deferment. I continued to make payments every month on my student loans over the amount of the interest, payments were normally around {$450.00} as to make sure that I was saying ahead on them. I called into Navient and was told that my overpayment would be equally applied ( after interest was paid on my unsubsidized loan ) to each of my student loans unsubsidized and subsidized. In XX/XX/XXXX I was reviewing all of my loan documents as I was ready to come of deferment and realized that Navient had only applied the overpayment to the subsidized loan to that they could keep the unsubsidized loan at as high of an amount as possible to collect more interest on it. From XX/XX/XXXX to present I have had to email and request that all overpayment be put toward my unsubsidized loan so I can even out the loan amounts so I am not paying almost three times the interested on one loan over the other. They implemented an online process that asks where you want the overpayment to be allocated to but even after you select between the options they still only put the amount to cover the interested to the unsubsidized loan and the rest to the subsidized loan and I have to email or call in to get it reallocated. As a company they are very dishonest by not doing what the consumer is requesting and even pretending to put in a program that will help with it but still resorting to their old ways.
Consumer complaint received 2017-08-11
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. (FL)

Equifax allegedly conducted an investigation into my balance with   XXXX   XXXX   XXXX   however, they are still reporting incorrect information.  In fact,   XXXX   XXXX   XXXX   provided documentation illustrating that the account is paid in full.
Consumer complaint received 2023-07-16
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. (TX)

I was looking at my credit reports and notice that There were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting in me for getting approved. I have already reached out to the credit bureau about these inquiries multiple times and they keep violating my rights under 15 USC 1681b right.I have attached hard inquiries That don't have no purpose to be on my credit reports.
Consumer complaint received 2023-01-18
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: Exeter Finance, LLC. (IL)

I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please 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 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.
Consumer complaint received 2019-11-01
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. (GA)

I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( XXXX, Transunion, XXXX ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (NY)

The account in question in discussion is TD Bank N.A. Account # XXXX the issue at hand is a late in XXXX 2020, Back in XXXX 2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at TD Bank N.A. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services (FL)

On XX/XX/XXXX my bill for account MERCEDES-BENZ FINANC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PA)

XXXX XXXX XXXX XXXX XXXX ( 5 hours ago ) to XXXX  NOW SEE HERE!!! 
You have led me to believe I can send money but you won't allow me to. 
When I go into a WU Store, the XXXX  are lined up, NO QUESTIONS ASKED!!! 
But, because I am a XXXX with a wife to be in an other country, you won't let me send her money. 
Did you not know that XXXX XXXX ' First Mate was a XXXX? 
Or some of our Founding Fathers including Washington, Jefferson, and Franklin to name a few read the XXXX? 
Maybe you did not know that there is a passage from the XXXX inscribed on the wall behind the Supreme Court Justices. 

Western Union needs to cease and desist these Prejudiced Practices that are in fact illegal. I am ashamed to say that I am a born and bred American because of people like you. 
You turn my stomach, you need to be put out of business. There is plenty of competition that is not XXXX like your company is. 

SHAME on YOU and THIS ONCE GREAT AMERICAN INSTITUTION!!! 

Peace, Love, Recycle, XXXX XXXX XXXX XXXX Western Union for no cause or reason is denying me service. They have refused to tell me why. I have politely asked for a letter explaining why I am being denied service for my attorney, and Western Union has refused! 
I am being denied service because I am a XXXX and Proud of it. That is the only reason. No law enforcement agency has contacted me, so therefore, I have done nothing wrong. The FBI, CIA, INTERPOL, PASP, HOMELAND SECURITY, or other agencies I am not aware of should be beating a path to my door if I have broken any laws. But, not one of these Federal or State agencies has investigated me, asked me any questions or anything else which proves beyond a reasonable doubt that Western Union is illegally discriminating against me.

Now I respectfully demand this practice to cease and desist.

Thank you very much, XXXX XXXX