davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Warning : SCAM ALERT- please be aware that this is NOT a XXXX  Customer Service App for XXXX. These scammers got into my account and withdrew upwards of {$4000.00}. They took over your account remotely when I called this number. I was trying to inquire about my XXXX card that never arrived to my address. When u realized what was happening, I called my bank XXXX Bank of America XXXX as the hackers were still on the phone hacking my accounts.i spoke with a XXXX around XXXX on XX/XX/XXXX. She heard the hackers on the phone telling me not to report it to my bank, because they would return the money in three days. I directed the bank representative to freeze my accounts and stop all transactions at once within the last hour. XXXX passed me over to a XXXX in fraud after she assured me that she had cut the ATM services. To my dismay, I found out that transfers went through to XXXX and XXXX. They also sent funds to some fictitious accounts. XXXX told me that I may or may not get my money back. I felt this was not an accurate statement as a customer of 20+ years to this bank. I know my money should be protected under FDIC. I am not about to pay bills, put food on the table, or get gas for the remainder of the month due to Bank of America permitting this hacking to go through despite me calling them in the midst of it happening. They said they are investigating, and I will be contacted by a detective. I am working with the police and my bank to bring these crooks to justice quickly. I hope they credit my accounts back fully regardless. I need my funds to pay bills and eat. Please help. These transactions should have been stopped.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (WA)

The Cain and Weiner Company has been aggressively requested a debt for office space utilized last year. We fulfilled or lease agreement with XXXX, and sent all documentation to the collector who has only replied back with statements reflecting money owed with no signed agreement. We also submitted the email chain reflecting the site manager confirming our lease end and zero obligation moving forward. They call twice daily and email and threaten our staff.
Consumer complaint received 2020-08-31
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: AMERICAN EXPRESS COMPANY (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

I had an original contract with Pelican finance in 2016 when I financed a vehicle. I've made about 2 years worth of payments on time, but have no record of those payments reflecting towards the balanced that was transferred over to Westlake when they supposedly bought out my contract. I never signed any agreements with Westlake for this vehicle and they are not able to show me payments I've made when I was under Pelican. Pelican never made me aware of their company closing or selling my account to another finance company. 

Please help me get this rectified or have the account removed from my credit report. I know I don't owe the amount they are claiming I owed, and I've already paid over {$14000.00} alone within the first 3 years of financing the car, so they are being snakes and not caring about figuring out the true amount owed including my initial interest rate. 

Please help me get my life back on track because this company is taking advantage of the situation. 

Thank you.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is regarding my XXXX XXXX card. It is currently active and I use it monthly. It reads closed on my credit Report. I have asked both XXXX XXXXXXXX and experian to correct this. Card was never closed on XX/XX/2020. I am trying to qualify to buy a house and need to show more open credit. I also don't want it to appear as a newly opened card that will not help my credit.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

I keep receiving mail from Synchrony bank in the name of XXXX XXXX for the amount of {$6400.00} for a card I never opened. 
My name is XXXX XXXX and I have never used the name XXXX. 
I spoke with a XXXX from Synchrony Bank who stated that the card was opened in XXXX of 2019 through Paypal credit. 
I did not open this card. 
I have filed a police report with XXXX Police Department where I live. Report number : XXXX. 

This fraduluant account is affecting my credit score.
Consumer complaint received 2017-12-11
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 — Problem with personal statement of dispute
Company: Nevada Credico, Inc. (NV)

I requested validation to Collection Agency, XXXX XXXX, as my right under the FCRA and they responded to me on XX/XX/17 a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XX/XX/17 and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ). A letter was sent to XXXX on XX/XX/17 explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XX/XX/17. I just received an email from XXXX today, XX/XX/17, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XX/XX/17 requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WI)

Hello, My complaint is against Coinbase. My account has been locked since XX/XX/21 - it is now XX/XX/21. I have gone through their complaint process which ended in XXXX. I have yet to receive any support from them. I have had no access to my account which has a substantial amount of vitrual currency and cash that I need to survive. I have also missed out on the ability to sell in a highly volatile market. They are IGNORING me or have taken all of my money. 

Please see reference case numbers below : Case # XXXX - Case # XXXX - Complaint # XXXX, XXXX, XXXX XXXX
Consumer complaint received 2017-12-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to XXXX on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XXXX/XXXX/XXXX. I just received an email from XXXX today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to Transunion on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.
Consumer complaint received 2021-03-26
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. (GA)

I have contacted experian on many times to verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. the following items should be investigated XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, please removed from my credit report.
Consumer complaint received 2020-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (WA)

Hello, My student loan is currently in default with XXXX. American Education Services is the loan servicer. 

I filed bankruptcy in XXXX. The full amount of the bankruptcy was paid in full in XX/XX/XXXX. 

I realize this is not customary, but the judge put my student loan in the bankruptcy. The total bankruptcy balance was paid in full in XX/XX/XXXX, but was not posted to my student loan account until XX/XX/XXXX. 

XXXX says I still have a balance of about {$5000.00}. The trustee in my bankruptcy case made all payments to my creditors. They said all I have to do is forward my bankruptcy information and it should clear this up. 

I continue to be harassed. My credit score is under 500. 

I contacted the Attorney General in Washington state. They contacted AES on my behalf, but they will not work with them. 

In addition, AES tacked on {$15000.00} onto my loan balance is XXXX. After completing some research, I don't think they could do that. 

My bankruptcy paperwork is attached. 

Thank you for reviewing this complaint.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

My insurance company raised my rate due to a temporary suspension that was reported on my dl from XX/XX/XXXX - XX/XX/XXXX. This is an error as I have had no contact with anyone or anything this entire year that would even imply that my license was suspended, let alone reinstated, without my knowledge. 

My insurance company keeps pointing at lexisnexis, lexisnexis is pointing at the dmv, and the dmv is pointing back at my insurance company. 

It is costing energy and effort to try to set something right that they all agree is no my doing, or my fault, but no one wants to step up to fix the issue. 

My insurance company maintains that lexisnexis has the power to remove the incorrect information from the record. Lexisnexis maintains that it is the dmv 's records that need to be edited. The dmv has given conflicting information I spoke to all these entities today, Tuesday, XX/XX/2020.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed XXXX XXXX and XXXX XXXX multiple times. I have sent proof multiple times that these accounts are incorrect. XXXX corrected the problem but XXXX  and TransUnion continue to ignore the evidence I have submitted. My score has plummeted and each site even suggested obtaining a credit card to help the score and it HURT my score.
Consumer complaint received 2019-05-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (MD)

I spoke to a representative named XXXX from Capital Accounts in regards to a debt she claims I owe. I was unfamiliar with the debt and asked her to send me the details showing that I owe the debt. My request, on a recorded line, was denied and I was told I would have to contact the company who turned over the bill as it was not her job, and she did not have to send me the info. She told she would report to the three ( 3 ) bureaus if I didn't pay that day. I said I would pay if it was mine, but I need proof of the debt, she again denied my request, in clear violation of Federal Law. 

At this point, the clear violation, on a recorded line, should be investigated and the company should properly train their employees.
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you? Im extremely upset and shocked about the way this charge-off on XXXX   XXXX XXXX account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-08-31
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. (CA)

I've reached out to equifax with three letters with no response at all.

I also sent letters to XXXX, Equifax and XXXX  asking for them to verify certain accounts with the following law below but no proof was sent by any collection agency or original creditor.

" You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-08-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FORD MOTOR CREDIT CO. (CA)

I missed a payment with Ford Credit and moved the payment to the back of the loan and signed the paperwork on XX/XX/2021. I received a call this morning XX/XX/2021 at XXXX XXXX  PST from phone number ( XXXX ) XXXX. 

I told her it is illegal to call me before XXXX XXXX  and she argued that it was XXXX XXXX and I had to point out I live in California. 

They had no business calling me since I had signed the Docusign paperwork already and my next payment is not due till XX/XX/2021.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX experian ran my credit for XXXX  for a line of credit. Experian reported key factors that adversely affected my credit score : lack of sufficient real estate account information. When asked by XXXX i reported that i have no mortgage as i own my own home as of XX/XX/XXXX. I have no mortgage due to paying cash for my home and no mortgate was needed. It seems as though because i never had a mortgage Experian is using the fact that i never had a mortgage to somehow show i am at a higher risk of repayment therefore lowing my credit score and increasing the my cost for credit.
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2020 I sent a letter to XXXX, XXXX, and Transunion to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (IA)

I signed up for XXXX XXXX  and did so via chat so that I would have written record. I have supplied copy of written transcript to XXXX XXXX as well as Receivables Performance Management. I have also supplied them with copy of XXXX receipt showing that their equipment was returned. Although, I know the debt is not for either of those things, they will not tell me for what they are trying to collect. I have excellent credit and this is affecting it and causing me much worry. Please, help me.
Consumer complaint received 2020-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ascendium Education Group (ND)

Ascendium send notice. I do not know who they are. XXXX did not notify me of change. I have written XXXX over and over on deferment forms and they never responded to my letter or notes. I gave up. I do not have phone to call. They failed to correct payments that I did make. They did not accept emails either. According to Trump has deferred interest and payment until end of year. Ascendium says I owe at 6.8 % interest XXXX and XXXX plus XXXX collection costs for total XXXX by XX/XX/20. This company in following Fair Credit laws. Unfortunately, I do have that kind of money trying to just survive. 
Ascendium failed to provide a reasonable payment plan or deferment until it is affordable to pay. 
This organization is using a threatening and pushy tone.
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cash Express, LLC (KY)

On XX/XX/21 they ran two checks in the amount of XXXX and XXXX and sent my account in the negative and then turned around and ran two more checks on XX/XX/21 in the amount of XXXX and XXXX. Sent my account even more in the negative. This is ridiculous.