davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. XXXX XXXX XXXX via Resurgent Capital Services ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to XXXX XXXX XXXX any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have received a letter in the mail and multiple phone calls from " Portfolio Recovery '' in an attempt to collect on an old debt that was discharged in Chapter XXXX bankruptcy over 2 years ago. Their organization was listed and notified in the official bankruptcy paperwork. They are one of the most aggressive and careless debt collectors I have ever dealt with. They clearly do n't even check their own records that show all my debts have been discharged, nor did they verify my credit report ( which also shows the bankruptcy ), and I suspect the original debt is past the statute of limitations anyway. Or worse -- they know all this, and are hoping to scare or pressure me into paying something I do n't owe anyway. They appear to be using at least the following numbers : XXXX ( most recent, used to contact me on X/X/2017 ) XXXX main number? 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

I had an open credit card through Amazon cards. I received a letter one day that Synchrony Bank closed the account not because of late payments or defaults, but because they had done a random check of my credit and discovered that there were late payments for student loans ( which were my niece 's and some had forged signatures on ) and opted to close my credit card with Amazon.
Consumer complaint received 2016-03-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I set up automatic bill pay of my credit card from my checking on XXXX/XXXX/16. Tech support confirmed this, my credit card is due tomorrow XXXX/XXXX/16 and was not paid. They recognize the auto pay and ca n't explain why the system did n't pay the credit card. I was on the phone for over 2 hours and got cold transferred 5 times.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company is NOT licensed on bonded to collect from the state that I live in, which is the state of Georgia. pursuant 18USC8 I do not own any debt. This company is violating my consumer rights to privacy. Please help resolve this issue.
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc (PA)

I told them via email that since am unemployed more than an year will not be able to pay right now, kindly keep it on hold. 
I did not hear from them then one fine day I received a call somewhere from Florida I told the person he said he will check my email and then I did not hear from them. 

XX/XX/2024 I owe {$2600.00}. 

I tried unemployment compensation, medical insurance from the state but all were denied since am an alien. 
I have paid taxes being an alien since last XXXX years then why am I not getting the benefits?
Consumer complaint received 2016-12-23
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Grant & Weber (OH)

To whom it may concern, I spoke to a rep at your office this morning ( XXXX XXXX ). He was unwilling to work with me on my debt even after I offered to make payments on my account. He told me if I did n't pay off the account within XXXX days he would report it on my credit bureau. I explained my personal situation to him and he was unphased by it. it was the bottom line or nothing. In my research online I read that many collections agencies by debt for pennies on the dollar and have the ability to work with people to come to an arrangement to benefit all. This person was unwilling to do so. I have filed a complaint with the FTC and CFPB. There has to be someone out there to protect consumers from this type of bullying. I can argue all day long how the medical group handled this situation and how I even got to collections in the first place but that is neither here nor there. I do question the validity of this debt and claim. I am XXXX positive and this is very stressful. I live day to day and try to make ends meet. Consider this my notification to your office. 



XXXX
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America refuses to deliver credit card statements, alerts, and other communications to my valid email address. I am being denied credit card security and convenience features that their other customers get. My email address is on a domain that is hosted in the XXXX on a XXXX XXXX business Internet connection with a static XXXX address. It has been in existence for more than a dozen years and enjoys a sterling reputation, not appearing on any blacklists for malware, spam, hacking, etc. 

I had previously opened a case about this and there was no resolution. I sent a letter via XXXX mail in XXXX of 2014 ( enclosed ) to their published mailing address. I did not receive a reply of any kind.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (NY)

I had a XXXX credit card with continental finance I never missed a payment then all of the sudden the company said my online account as no longer valid because they changed to a XXXX company. I never received my new card and I continued to call the old company and I got no help. I made a payment on my old account for the balance but the representative afterwards could n't find it when I got a call from a credit agency after my card had gone into collections. I never received my new card and I keep getting calls from creditors about this account that has no way of paying it. I feel like I had been scammed
Consumer complaint received 2022-09-06
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. (FL)

on XX/XX/XXXX I submitted documentation including a FTC report advising these companies they are reporting fraudulent incorrect information and to remove this information. TRANSUNION continues to report XXXX on my credit report which is a fraudulent account.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CNG FINANCIAL CORPORATION (MI)

XXXX has been contacting my family about a debt and threating legal action against my family about a payday loan through checkngo. Everything I have done says this is not a legitment company and they continue to call and threaten. They sent me a validation letter via my email but it does n't look valid. I am not sure what to do as they keep contacting my family members.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

The amount is inaccurate! I never received a final account statement from the apartments that sent this to collections. No one can provide proof of charges or an explanation. I 've tried explaining to them there is a serious error but was told get an attorney! I work in the apartment industry & know for a fact the amount on my credit is NOT accurate and down right ridiculous!
Consumer complaint received 2016-01-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler has taken almost {$3000.00} from my account. They send all the letters to my old addresses which I can not respond too and then they have the right to seize all my funds. They have taken 4 times money out of my account. They have my correct address but still send all letters to my old addresses.. They even took all my child support money and the last withdrawal they took from my account was a week before XXXX! They took {$600.00} which left me broke XXXX.
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (NY)

keyBank has been charging me overdraft fees stay in that I am transferring funds from account to account within the same bank reflecting that I had the money would be in the account I when I transfer it says that is available and then they would apply overdraft fees they in that the account was not accurate continuously hitting people with overdraft obsessively their system is not up-to-date and give an accurate information I opt out for not to have the overdraft fees stay in if the money if the monies not in the XXXX do n't let the transaction go through I feel like KeyBank is has figured out a way around the government new law to charge customers overdraft fees and fees and so on
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: EOS Holdings, Inc. (ID)

After writing and mediating with " EOS CCA '' company about time-barred debt which was previously closed and deleted by XXXX, I received a letter stating they will close and delete that debt from all credit bureaus. And then XXXX more EOS CCA debts showed up from the same creditor which once again were closed in XX/XX/XXXX by XXXX XXXX Services. XXXX more were deleted from the credit bureaus after I sent them the letter then they came back then removed again and XXXX remained, which I am XXXX of disputing constantly.Like I said, that XXXX XXXX XXXX was sold or closed by XXXX then went to another company then deleted by EOS. It seems they keep extending the original date of last activity. It went from XXXX to XXXX to XXXX account opening. Please let them know that they threatening and falsy promising me in writing one thing then re-reporing the account with different account numbers. Also the latest letter came with XXXX letterhead but saying that some US Asset Management XXXX is their client now. Also XXXX stopped completely collecting in XXXX. And they need to stick to their agreement or I would have to file a lawsuit. And I am also a XXXX veterans wife who receives XXXX and I a XXXX XXXX survivor.. They go by my old name ( XXXX )
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I was looking to buy a vehicle and went to XXXX XXXX in XXXX XXXX California. I was told that a company called XXXX XXXX XXXX would hold my loan. I signed all the paperwork on XX/XX/2023. Then on XX/XX/2023, I received a letter in the mail from XXXX XXXX stating that they couldn't find any bank to finance me so they had cancelled my contract and I was to return the car to the dealership which I promptly did. I had also received numerous statements from XXXX denying me credit. Now I am getting on my credit report that I owe them XXXX for a car I no longer have. I have tried resolving this issue with XXXX and nothing is being done. I can not get any other car with this on my credit, and have not been able to.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

My name is XXXX XXXX, and my account got frozen for fraud, something I didn't do, and they won't unfreeze it because I don't have a picture id. I got funds in my account for {$1200.00}, and I need my funds too. I want y'all to verify me a different way without having a picture ID, allow me to withdraw my funds even when my account is frozen, or send me a check for {$1200.00} to XXXX XXXX XXXX XXXX XXXX PA XXXX, and my Venmo username is XXXX XXXXXXXX
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

Applied for the Citi XXXX credit card with a XXXX TYP sign up bonus. Was approved but was never informed I was ineligible. I met the terms and never received the bonus. They claim it was XXXX months since I had the card but needed to be XXXX months to receive the bonus. 
No where along the way was I specifically informed of ineligibility. I think it unrealistic a customer is suppose to keep track of how many months between closing and opening an account. This is information they track. If they track it they should not be deceptive in their practices and let their customers know up front if they are eligible for the offer before approving the card. I was influenced yo apply by the sign up offer and was never informed along the way of ineligibility.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (HI)

I paid of my loans in full on XX/XX/2023. My account shows a balance of XXXX but says that I owe {$2.00}. This is because the payment was dispersed incorrectly. 4 out of the loans have a combined balance of {$2.00} and 1 of the 5 has a balance of - {$2.00}. So since it is incorrect its thinking I still owe and my account isnt being closed. I shouldve gotten an account closure/paid off letter by now but this issue is holding it up. Ive called multiple times over the last 2 months and NEVER get through after hours of waiting or dont get a callback when opting to do so. The 1 time I did get through it was a representative in training who had to transfer me and then after another hour of waiting it hung up. Ive also sent several secure messages which also go unanswered.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX  numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX I received a call from " Chase fraud prevention '' about a wire template being set up on my business account. I use quotations because this was actually a scammer calling from a Chase phone number. They altered me to the wire and asked if I would like to cancel the wire. Assuming I am talking to chase I confirm my personal info but do not tell them my account info. The use this information to wire {$42000.00} out of my account. The phone call seemed odd so I immediately went into my local Chase branch to alert them of the situation. They inform me the wire has been set up and delivered. I tell them this is fraud right away and ask them to cancel the wire. They tell me it has been sent and will try and recall the wire. What follows next from Chase customer service is a nightmare. As of today it is XX/XX/21 and I do not have my funds back and Chase is basically telling me this is my fault and I don't know what to do next.
Consumer complaint received 2020-06-02
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: EQUIFAX, INC. (WA)

Hi, I did contact this company to remove they pulled my report 3 times on the same day. This was also done after the initial report was pulled. I did contact them and they removed several of the other mistaken errors they caused.
Consumer complaint received 2015-08-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America Debit card was replaced due to the bank being notified of a potential compromise to my card in XX/XX/XXXX. 

I had a automatic renewal with XXXX XXXX XX/XX/XXXX, prosessed on my old debit card number ( COMPERMISED ). 
I received a letter of renew from XXXX XX/XX/XXXX concerning renewal of the service. I returned invoice marked do not renew. They processed the renewal with OLD Debit number and Bank of America processed it through using new Debit card. Per their service rep, XXXX will allow as a courtesy one time. I do not want any bank or CC company providing access to my funds if the merchant does n't have correct information
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC (NC)

XXXX XXXX XXXX INSTRUCTED PENDRICK CAPITAL TO CLOSE ANY AND ALL DEBTS ASSOCIATED WITH MY SOCIAL SECURITY NUMBER AS THEY WERE NOT MY BILLS BUT A TYPO BY AN ADMISSIONS CLERK WHEN ADMITTING A PATIENT. MY SOCIAL AND THE PATIENT 'S ARE DIFFERENT BY ONE NUMBER. THE HOSPITAL HAS A COPY OF HER ID WITH HER SOCIAL ON FILE HOWEVER THE TYPO 'D SOCIAL ( MINE ) IS THE NUMBER ASSOCIATED WITH THE DEBT. PENDRICK CAPITAL HAS PURCHASED XXXX OF HER BILLS AND PASSED THEM ON TO OTHER COLLECTION AGENCIES. THEY ARE NOW REFUSING TO DISCUSS THE ACCOUNTS WITH ME EVEN THOUGH IT IS MY SOCIAL SECURITY NUMBER AND AFFECTING MY CREDIT. THEY HAVE BEEN INSTRUCTED TO CLOSE ALL DEBTS WITH MY SOCIAL SECURITY NUMBER. THEY HAVE ONLY CLOSED XXXX OF THE XXXX AND ARE NOW REQUIRING ME TO HAVE THE HOSPITAL CONTACT THEM AGAIN!!! THEY ALSO WILL NOT TELL ME THE NAMES OF THE AGENCIES THEY HAVE PASSED THE DEBTS ON TO SO THAT I CAN CONTACT THEM AND HAVE THE ACCOUNTS CLOSED WITH THEM SO THEY DO NOT REPORT IT TO MY CREDIT.
Consumer complaint received 2017-02-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

US Bank hired an attorney to submitted false information to the courts system. The attorney, XXXX, was NOT hired by the Department of Veteran Affairs ( VA ). US Bank was aware that XXXX misrepresented this material fact to the courts. When in fact, the VA was in possession of the home since XX/XX/XXXX. The home was voluntarily submitted to the VA in XX/XX/XXXX. In XX/XX/XXXX, the VA authorized a deed-in-lieu and was officially owned by the VA since XX/XX/XXXX. Therefore, the writ of possession should have gone to the VA and not me. To make matters worse XXXX misrepresented himself as an agent of the VA. Please see the attached documents. US Bank and XXXX intentionally submitted false information to the courts. The writ of possession should have been served on the VA and not me.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : XXXX, and here is my account number : XXXX XX/XX/XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.