davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went online to make an appointment to open a account with Bank of America. On the day of the appointment the branch was closed when I arrived. I called customer service but the wait for someone to answer the call was too long. I went on Bank of Americas website and opened the account. I funded the account as well. The account was opened on XX/XX/XXXX XXXX The following week I made another deposit into the account. On XX/XX/XXXX I tried logging into my account and was not able to. I called customer service and I was told the account had been closed and a cashier check was mailed to to me on XX/XX/XXXX for the funds that was in my account. I was told the account was closed due to unverifiable information and I should make a appointment to open another account at a branch. I made a appointment to open another account on XX/XX/XXXX, I opened the account XXXX in the branch that day. The banker that opened the account for me told me to try logging into my account the next day to make sure I can get into online banking. The next day I tried to log into online banking but I was not able to. I called customer service and I was told the account had been closed earlier that day and a cashier check would be mailed for my funds that were in the account. The rep said Bank of America do not have to tell customers before closing their account. I was told I would not ever be able to bank with Bank if America. No explanation was given to me. This was the second account closed by Bank of America within a matter of one month. The second account that was closed which included a checking and savings, I received the cashier check for the funds last week. However, the first account # XXXX that was closed I have not received my cashier check for the money I had in the account. I have called and inquired but the reps seem to not have any info on where my funds are. I request a call from a member of management but no one never called me. I demand Bank of America to release my money that was in the account # XXXX that was closed. I have documentation to support all deposits, transactions correspondence and conversations
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

I returned the equipment to charter communications within the 30 day window. I know that because I moved out of state within that 30 day window. ERC for the first time in 6 years regarding the contacted me on the matter. Stating the it went to collections. I disputed it several times with them and stated that it didn't matter if I returned the equipment and that I do not owe the money. ERC told me that there is nothing they could do. Besides waiting 6 years to contact me they also want me to pay a bill when I returned the equipment and had a witness with me. 

They told me I can keep disputing it but I will still have to pay. 

XXXX XXXX  did not log in my equipment at the time that I dropped it off.
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P. (MO)

I had an old cable bill be sent to Credit Protection Associates for collections. I was well aware of the debt and had planned on paying what I could every month. On XX/XX/XXXX, I sent an email to CPA,  requesting that all phone calls be stopped. On XX/XX/XXXX, I received the following response from CPA : XXXX XXXX In order to locate your account and update it to stop all phone calls, please provide the name of the original creditor, the amount owed, your address and the last 4 digits of your ssn. 



Sincerely, CPA I responded with the information they requested, but the phone calls did not stop. I followed up my email twice, but did not receive any further communication regarding my request from CPA. A few weeks later, I set up a payment plan, the calls continued for a few more days and finally stopped. I had to cancel my payment arrangement due to financial hardship, and I immediately started to get calls. I made a {$25.00} payment on XX/XX/XXXX ( I believe that's the correct date ). The calls continued and continued. On XX/XX/XXXX I sent a certified Cease and Desist letter, requesting once again that all phone calls be stopped and they received the letter on XX/XX/XXXX @ XXXX. Since the date of their receipt, I have received calls from CPA on : XX/XX/XXXX @ XXXX & XX/XX/XXXX @ XXXX Here is the tracking history of my letter : XX/XX/XXXX, XXXX XXXX Delivered, To Mail Room XXXX, XXXX XXXX Your item has been delivered to the mail room at XXXX XXXX on XX/XX/XXXX in XXXX, XXXX XXXX . 
XX/XX/XXXX, XXXX XXXX Departed USPS Regional Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX In Transit to Next Facility XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Departed Post Office XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX USPS in possession of item XXXX, XXXX   XXXX I have also attached the email I sent requesting contact be stopped to show that they acknowledged my request and did nothing about it.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2022, I received an alert from the credit reporting agencies stating that AWA has added an account to my credit reports. I never had any dealing with this company and never heard from them. 
Also, they never sent me a dunning letter and just added this alleged to my credit reports. I demand that they close this account in their office, deleted it from my credit reports, and cease and desist all collections activities including the reporting to the credit bureaus
Consumer complaint received 2022-04-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

Hello, One of our client accidently sent two wire transfers to an account that is not our account at Wise ( formerly Transferwise ). The last digit was changed by mistake.

Details about the two payments : XXXX XXXX USD on the XXXX of XX/XX/2021 XXXX XXXX USD on the XXXX of XX/XX/2021 We have asked Wise team to help us locate our funds and retrieve our money. The sender 's tried to recall the fund and ask for Transferwise help to confirm, they refused to make contact with the sender 's bank. We have then ask them to make contact with the owner of the bank account that accidently received those two wires transfer, they refused again and didn't propose any solution on how to solve this case, saying it is not their problem to handle conflict between its clients.

Thank you, Best regards,
Consumer complaint received 2020-08-22
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: ALLY FINANCIAL INC. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

CHOICE RECOVERY INC # XXXX I dispute this account I have never done any business with this company. Please forward me any and all documentation concerning this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following account # XXXX. please fill out and return the attached CREDITOR DISCLOSURE STATEMENT, or I can not take this account to be valid.
Consumer complaint received 2020-07-21
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: BARCLAYS BANK DELAWARE (MS)

Fraudulent charges were made as follows : XX/XX/2020 {$830.00} XX/XX/2020 {$150.00} Disputes were filed online without any sort of acknowledgment. Then we followed up with a letter to the company with the details. We had a total of three charges. We believe one was taken care of based on a refund we saw on the loan. We then also received a vague letter that did not reference an amount, date or anything.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP (CA)

Mandarich law group mailed me a letter to my mothers house stating i was being sued i contacted them that i am XXXX  and currently XXXX. they stated they would be suing me, very unprofessional I told them once i got a job i would contact XXXX XXXX to pay they told me not to contact them and that they would be sueing me. it was a very harassing and intimidated phone call. Beware of MANDARICH LAW GROUP they want to coerce you into paying your debt and that is unlawful for a law group to use there position to threat a citizen and bring fear upon them in order to have them pay a bill. IT is an unlawful way to collect debt.
Consumer complaint received 2016-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (TX)

I recieved a loan for XXXX education to do personal trainng which I finished and passed the test. Everywhere I have gone no gym has heard of them and will not even accept me as an intern. They say they are not accredited. I feel like I was ripped off and am very dissapointed in the way they got me to agree to the loan.
Consumer complaint received 2021-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

My PayPal account was hacked and money was removed from my bank account. I filed a claim with PayPal and they keep refusing my claim saying it could have been someone else from my household ( I am XXXX years old and I live alone ). While the amount is not large, {$60.00}, someone hacked into my PayPal account and through that my bank account. PayPal refuses to help.
Consumer complaint received 2019-05-29
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: LEXISNEXIS (AL)

I have dispute a public record bankruptcy off my credit report with XXXX   about 30 plus times with the proper paperwork still won't deleted someone bankruptcy off my credit file they are in violation if my rights XXXX has remove the man name but not his bankruptcy back in XX/XX/2018
Consumer complaint received 2017-02-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK (PA)

XXXX day I was at a mortgage office to get help with a new home loan and after pulling my credit the loan officer said it was n't feasible to give me a loan because I had a judgment on my credit. I stated I have no knowledge of this. It has been reporting on my credit since 2011. I have once heard this before when I was buying a car but did n't pay any mind to this. So I know for sure now this has affected me and will keep affecting me I do n't look into this. I decided to do my research and contacted the law firm handling this judgment and after confirming some information for them such ad date of birth and social security it came back it was n't me who owns this judgment. They clearly stated they will send me a letting to clear me from this matter. I received the letter and it does state the persons name on it which is clearly not mind. How can I get this taken care of and go back 6 years of misery from this mistake? 
Please advise.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX I received my XXXX XXXX XXXX with credit limit of XXXX XXXX refused to report it after XXXX sent me 2 lettersXXXX and on XX/XX/XXXX that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. Transunion has been inaccurately putting the wrong credit information. XXXX accurately reported it no XX/XX/XXXX. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been trying to resolve a fraudulent cash advance transfer with Bank of America since XX/XX/2021. They have neither resolved the matter, nor provided me any rational explanation regarding their investigation. They have been intentionally difficult to get answers, or assistance. I have attached a detail timeline with what I have been experiencing.
Consumer complaint received 2020-08-22
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: Professional Medical Management, Inc. (IL)

I have a loan with Financial Recoveries. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and Financial Recoveries with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2019-10-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: P.S.C., Inc (WA)

Puget Sound Collections XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This company is sending me fake bill without any valid bill ( XX/XX/19 ). It says creditor XXXX XXXX XXXX without any address of the creditor. I do not owe any bill. I believe this is a fake company. I'm not sure how does my personal information is leaked from the hospital which this company is using it for fraudulent purposes.
Consumer complaint received 2017-06-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

This a simple complaint. I filed disputes to the credit bureaus in XX/XX/XXXX I received responses from XXXX XXXX and XXXX but never from Equifax. After about 4 months of waiting, I sent Equifax another dispute in XX/XX/XXXX. We are now in XXXX and again I have not received a response from Equifax. I have been waiting patiently for Equifax to do it 's job but I ca n't simply wait anymore. There are erroneous accounts that are preventing me from obtaining credit at a reasonable rate which XXXX XXXX and XXXX corrected months ago but Equifax will not do what it 's supposed to by law. The accounts are XXXX XXXX XXXX. XXXX of them in fact. I do not owe them nor XXXX XXXX any money. They need to complete an investigation as mandated by the F.C.R.A. and notify me of my results within 30 days. I am filing this complaint to you because I ca n't trust Equifax to do it 's job since they failed me twice already. Please help me.
Consumer complaint received 2018-07-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EXPERT GLOBAL SOLUTIONS, INC. (TX)

Ive received repeated calls of from this place claiming they need my statement because I have multiple lawsuits against from XXXX XXXX XXXX XXXX for a past due balance ( XXXX is my current bank which I'm in good standing with, this is also reflected on my credit report. ) and from a XXXX XXXX XXXX XXXX. XXXX XXXX is a bank in XXXX which is a place I've never lived and I have never banked with. XXXX   keeps threatening me with lawsuits and harassing me with calls trying to collect debts that are invalid/incorrect.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX the day after the payment due date and the day after AMX withdrew the money from by bank account, I received an email stating that AMX has reduced the credit line on my AMX Blue Cash card by {$3100.00} even though I have never paid late or missed a payment, never exceeded my credit limit, and AMX has increased my credit limit several times ( credit limit increased {$2000.00} on XX/XX/XXXX, {$3000.00} XX/XX/XXXX, and {$1700.00} XX/XX/XXXX ). On XX/XX/XXXX I received a letter from AMX stating that my credit limit had been lowered. According to the letter part of the decision was based on my FICO score the AMX obtained without my knowledge or permission on XX/XX/XXXX. By reducing/lower my credit limit it will appear that I am using a higher percentage of my AMX credit line that I was when the purchases were made therefore reducing my FICO and credit score even lower than what it was prior reducing my credit worthiness and making harder and more difficult for me to obtain credit. I don't know what AMX 's objective is and or what AMX intends to accomplish by reducing my credit limit. There is no statement on the credit report that indicates that the credit line was $ XXXX and balance was $ XXXX  prior toXX/XX/XXXX and that on XX/XX/XXXXthe credit line was reduced by {$3100.00} for other creditors to see when pulling a credit report and considering any credit application. On XX/XX/XXXX, I contacted AMX by phone to discuss the decision to lower the credit line and spoke to a representative of foreign extraction, it seems that AMX out sources customer service call centers to foreign countries. The representative asked questions about my employment and income and if I rent or own my home and I told him that I own and that the house was paid for and there is no rent or mortgage payment owed and the house is free and clear. The representative stated that in order to restore the credit line I would have to pay 50 % of the balance owed by XX/XX/XXXX or submit financial documents such as bank and savings account statements, IRA or 401k, ect., for AMX to " review '' and make a decision within 45 days. In previous experience with companies most of the time when they offer to " review '' they usually still say no and make up some reason to justify upholding the original decision. It is highly unlikely that AMX would revers it decision so it would be a waste of time and effort to submit financial documents and that my 401k and IRA are less than 90 days old so there has been no time for them to grow interest and become established.
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.