davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX in regards to a collection account listed on my current credit report and thus has been for the last 2-3 years. PRA, llc obtained this debt somehow unknown at the time from XXXX XXXX who is listed as the original creditor on the account. Upon noticing the collection back in XX/XX/XXXX, I contacted the company and the credit bureau to dispute the debt. Over the last 2.5 years, I have disputed this account maybe 5 times and each time the bureaus XXXX and XXXX stated it was verified. The account will show closed, then reappear on my report months later as a new collection account dropping my score each time. I requested validation of debt from portfolio recovery last year XX/XX/XXXXand was provided a few credit statements from when the account was open which in fact was approximately 3 months according to XXXX XXXX. I tried working backwards and contacted XXXX XXXX in XX/XX/XXXX, provided documentation requested and had the account deleted for Identity theft yet PRA, llc refuses to follow suit of the original creditor and delete for identity theft. The FCRA requires the debt be validated within 30 days and if they can not validate ( not verify ) debt, by LAW it must be removed.I recently disputed the debt again XX/XX/XXXX via XXXX and XXXX and once again it came back verified so today XX/XX/XXXXI called XXXX and spoke to XXXX XXXX and requested the documentation used to verify this account over and over be sent to me as required by law. XXXX, who in fact admitted on recorded line, stated that they have '' no documentation that is used to verify the account is mine, we go by what the creditor states '' I informed XXXX that XXXX was in fact in violation of the Fair Credit Reporting Act which states " disputed items can NOT appear on my credit report if they can not be supported by any evidence. '' A creditor simply stating the debt is in fact mine is not supporting evidence that will hold up in the court of law. My attempts to validate the debt from the 2nd creditor have been insufficient, and my attempt to verify from the bureaus have been insufficient and thus this debt is being inaccurately reporting to my credit report for years now illegally and I wish to have it moved ASAP! Upon contacting the original creditor, the debt was deleted a few years ago for Identity theft and by Law. Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account ~per XXXX ; Original account was deleted in XX/XX/XXXX and I am seeking this continuation account be deleted as well
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Penn Credit Corporation (FL)

I have inaccurate addresses on my consumer report ( XXXX, XXXX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PENN CREDIT CORPORATIOXXXX XXXX Date opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had several accounts opened by fraudsters and it is now severely impacting my credit and attempts to rectify it have proved moot and unsuccessful. 

Bank of America had allowed my account to be compromised then subsequently reported me me to XXXX XXXX for an amount just over $ XXXXUSD. I am now unable to open an account to sufficiently build up a deposit history in order to buy a home ( which will be nearly impossible now with my credit score having sunk to under 500 because they also allowed someone to open a credit card in my name that they maxed out in under two days and I am now suffering from it ). Disputing information with this bank has proved pointless and they are proving to be vultures. 

This problems with my finances are making living everyday life hard and I am at the point where my mental health is suffering because of it. I need help!
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

My personal notebook was stolen by me in a public place with all my personal information. PIN # s. User ID, passwords. and that included my debit card from NFCU, ID. They went to withdraw money from the ATM/Bank. 

I called NFCU right away and they closed my accounts and opened new ones. I immediately changed all my passwords and put a lock with the 3 credit bureaus. 


All my other banks blocked the transactions except NFCU. The thiefs were able to go into my account and take all my money out. 

I have waited the appropriate time with NFCU to find a resolution. Everytime I call, there is no update on my case ...
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I recently received an email from Bank of America ( BOA ) stating that there was a potential fraudulent charge on my VISA card. Rather than call the phone number in the email or click on the link, I went directly to the BOA website. I could n't log in and received a message stating that I could n't access my account, try again later. I also called the phone number on the back of my BOA VISA card. 

I called twice a day, at different times, for 6 days and waited on hold each time for 30 minutes and then hung up. I also continued to try to log into my account, also with no success. This was very disturbing. I finally posted a complaint on the BOA XXXX web page. Several days later I received a phone call ( voice message ) with a new phone number to call. After 15 minutes on hold a representative answered. When I explained why I called I was told that BOA already paid the transaction and that is was n't potential fraud, it was actually a " disputed charge ''. I was told that I was locked out of my online access and I was given the original phone number to call again. I asked if there is an address I can write to and was told no, I can only lodge a complaint by phone. To prevent further charges to my account and because of my inability to reach BOA, I then canceled my VISA card. 

This lack of service/concern is totally unacceptable from a major financial institution. When I received my bill in the mail I saw that the charge was {$99.00} plus international transaction fees for a supposedly free product from a company called " incredible cigs '' and monthly additional charges. I could n't lodge a dispute with BOA, so I paid the bill and will not do business with BOA again. I did find a mail address to write to on my just received bill, but I am on vacation and will now hand write a dispute, but I have no hope that BOA will honor my dispute.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America checking account was charged {$1600.00} in which I never authorized on XX/XX/19. I contacted the merchant XXXX XXXX and the Bank of America to dispute the charge. They refused to refund my money eventhough I did not use my card or give anyone permission to utilize it!
Consumer complaint received 2023-07-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Denefits LLC (NY)

Title 15 of the United States Code, Section 6802, is a provision related to the privacy of consumer financial information. It outlines the requirements and restrictions imposed on financial institutions regarding the collection, use, and disclosure of personal and financial information of their customers. The section establishes guidelines for providing privacy notices to customers, allowing them to opt-out of certain information sharing practices, and maintaining the security and confidentiality of customer information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) XXXX Denefits XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Installment sales contract - Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2000.00} {$2000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$1700.00} {$1700.00} Credit Limit : {$0.00} {$0.00} Past Due : {$1800.00} {$1800.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Variable rate 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with. This debt is not mine. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft.
Consumer complaint received 2023-03-23
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

A debt collector by the name of Radius Global Solutions LLC is trying to collect a debt i do not owe plus the collection agency does NOT have a license to collect in the state of NY. They are in violation and i want them to cease and desist. 

The amount is for {$8100.00} and they offering me to pay {$4800.00} I tried reaching out and dont get anywhere with it.
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (ID)

National credit Adjusters made an official statement that they would stop all collection actions and credit reporting until debt could validated. 
They have not stopped reporting wrongfully on my credit reports and when they failed to validate debt they sent me someone else debt with the last name of XXXX. 
All promises kept in writing were not adhered to and now this validates debt is false and violation of FDCPA has officially been proven.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2019, my wife and I visited Chase bank branch at XXXX XXXX, XXXX, XXXX, IN XXXX. We asked the banker to add my wife 's name into my existing checking and saving account. The banker scanned my wife 's ID and added her name to my account. However, a few days later, we got an email from Chase said the documents are not completed and we need to come back to the branch to fix it. 

We went to the branch the second time and the banker scanned my ID. A few days later, I found both my checking account and saving account were frozen. I called Chase custom service and they said they can't find my wife 's ID! 

Then, we went to the branch the third time and re-scanned all our documents, and finally had our accounts activated again. 

Due to the period of the account frozen, we had been charged at least {$58.00} for returned payment. The banker promised to handle it but never reply my inquiry email after I send him the documents about these charged bank fees. 

In addition, we are very concerned about the way they handle our privacy and personal documents. We think this branch doesn't properly train their employees and they have no idea how to correctly handle custom 's personal documents. They lost my wife 's ID. 

In summary. We want the branch to reimburse the loss caused by their mistake and have a full investigation on their way of handling customs ' personal documents.
Consumer complaint received 2019-11-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (NC)

My work phone is reserved only for my family. I'm a XXXX. I can not get phone calls to my XXXX. Apparently this company has purchased my student loan debt from previous collector. I was working with the other agency. Never heard of this company before. I called back and spoke to XXXX with Account Control Technology at extension XXXX. THEY WERE NOT GIVEN PERMISSION TO CALL MY JOB. They XXXX  and researched where I worked and called here to harass me. The other company never had my number to my job. I will GLADLY give them my cell phone number. The lady was rude, attempted to prevent me from talking. These companies don't send anything in writing. Very ambiguous. I'm not sending a dime.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Dear Ma'am/Sir I had applied for a home mortgage with wells fargo bank From Day 1 I had informed their representative that I don't have a 2 year employment history yet but he still sent me a pre approval letter and said loan could be processed Based on their OK, I went ahead to submit an offer to the realtor for closing on the property and paid wells fargo to process the loan Wells fargo got the house appraised and appraisal was more than sufficient to process my loan. 
Their representative told me to extend the duration of the contract so that bank can complete its formalities and release loan so l got the date extended Their credit dept kept asking me for 2 year employment history till the last day inspite of telling me them that I don't have one from 1st day of contact with them. 
The contract expired but they did not release the money to buyer I lost the chance to get the house due to delay and negligence on well fargo 's part. 
I had to arrange cash at a very high cost at the last minute so that I could buy the house. 
When I asked wells fargo rep why was I charged this amount when my loan could not be processed, he didn't have an answer.He directed me to call his senior and speak to her I kept calling her but she would not pick.It would go to her voicemail but she would not call back. 
I realized that wells fargo had cheated me by charging me and getting appraisal done for the house even though they knew this loan could not be processed. 

I have attached a copy of all correspondence with them over email and text. 
Regards XXXX XXXX
Consumer complaint received 2017-08-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Total Finance AC LLC (IL)

Paid car note late but also paid for the {$25.00} late fee have been making partial payments and late fees. Also my car was totaled and I left a voicemail and they are still charging me for the month that it was totaled after I informed them and they 're charging {$100.00} more.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX XXXX XXXX XXXX placed a derogatory mark on my credit report on all four credit bureaus. See attached documents. Upon further research, this account is still being reported incorrectly. Even though, I dont believe that this account is mine, i paid it off to resolve the account as it was reporting on my credit reports. I have asked on numerous occasions that the credit line be updated to reflect the correct information in accordance with the FCRA law, but no change has yet to done. According to the FCRA, XXXX XXXX XXXX, has violated my rights as a consumer and Im requesting legal action to remove this account immediately from all four of my credit reporting bureaus. 

I had to search for the records, and i have been successful in locating the factual data to make this claim actionable and creditable on my part. The earlier, claim was ignored with their remarks but no factual proof, however. I have included the records this time, please assist me in this legal venture. As XXXX XXXX XXXX is engaging in illegal business practices, and they are doing it on purpose. 

I paid the collection even though I dont believe the account is mine on XX/XX/XXXX, yet when I review my credit bureau reports and the information is still not accurate and they are intentional giving me the brush off and reporting the account incorrectly on purpose. I have asked on numerous occasions that the credit line be corrected, as this is a direct opposition to the FCRA and I want it fix on all four of the credit bureau reports, the XXXX XXXX XXXX is reporting the credit line as if i just made the payment in XX/XX/XXXX which is not actual nor factual. As I believe they will continue on with this business unethical business practice unless a stand is made. 

The attached records will support my statement above and my previous statements against XXXX XXXX XXXX, as i had stated earlier in my first complaint. 

Thank you for your assistance in this matter, as it is greatly appreciated.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc. (CO)

I sent a transfer from my XXXX business account to my newly open Revolut Business account after a few days of pending status and sending them some requested documentation they decided to close the account it has been 22 days since they received the money and yet they have failed 3 times to return it back to my XXXX account Their customer support its like speaking to a 5 years old on incompetence they get a 5/5 I get constantly lied to my face by their representatives they reply the same manufactures answer your problem will be solved soon you are priority number 1 and still they are so incompetent that they admitted on chat to sending back the wire with the beneficiary details instead of the senders details when is where the wheres is supposed to go Not to talk about all the loses and damages Revolut caused me so far by having XXXX $ taken away from me for almost a month now in this current complex global economic situation they are fraudsters and the more I read online the more concerned Im about my money
Consumer complaint received 2020-09-08
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. (FL)

i sent a dispute more than 30 days ago to XXXX and experian and neither of them have responded back. the only one to do their job correctly was XXXX. by the FCRA, these companies have 30 days to respond and they have not.
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (NY)

Hello my name is XXXX XXXX and I decided to file a complaint against Equifax because they have not deleted the fraudulent information that I have requested them to remove. 

They have sent me a dispute result wherein is stated that the information disputed was successfully deleted but it is not reflecting on my report. There is also a variation of a social security number on my credit report which I have no idea where it is from and I'd like them to correct it before I get more problems regarding my finances.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NC)

On XX/XX/2021, the IRS sent my economic stimulus payment to an account that I closed at PNC bank. They never sent it back to the IRS but instead sent it to another account that is open that I dont use, knowing that it will never clear because it was not sent to that account from the beginning. Spoke with a lady XX/XX/2021 on the phone who couldnt tell me why it was still there trying to be deposited into an account it wasnt intended for. She tells me it hasnt posted yet ... I said its not going to post because its not the right account. Just a mess. Now, I have been sitting in my car at this PNC on XXXX XXXX. since XXXX waiting for someone to tell me why? Its XXXX and still no answer. Its XXXX and I am leaving with my money. No explanation as to why it was there in the first place. Lady was really nice though and thanked me for being patience with her.
Consumer complaint received 2020-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

Our mortgage co overcharged us for escrow which was part of our 2009 modification. I have submitted several times to you which provided documents on the escrow overcharge. I read where cfpb found Saxon and ocwen guilty of escrow overcharges. Why didnt they take our problem as part of their findings