davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

i bought a XXXX on XXXX i wired XXXX to XXXX XXXX IN XXXX I TOLD HIM I WOULD PAY THE OTHER XXXX IN PERSON I WIRED THE MONEY THAT AFTERNOON AND LEFT TO XXXX AT XXXX THAT MORNING. XXXX CALL ME AT XXXX WHEN I WAS ALMOST THERE TO THE ADDRESS WITH THE TRUCK DRIVER AND SAID HE HAD TO GO TO XXXX ON ANOTHER MATTER SO XXXX COULDNT BE THERE SO I CALL MY BANK TO STOP TRANSFER UNDER A FRAUD AND CALLED THE XXXX STATE POLICE TO HOLD ACCOUNT MAX FROM THE XXXX STATE POLICE SEIZED THE TRANSACTION AND XXXX SAID THEY NEVER GOT TO YOUR MONEY AT BANK OF AMERICA AND THAT THE MONEY WENT TO XXXX BANK OF AMERICA SO THROUGH ALL THE FORMS XXXX XXXX XXXX XXXX FILED WITH BANK OF AMERICA IN HOLD HARMLESS I WAS TOLD I WOULD HAVE MY MONEY XX/XX/2016 AS OF NOW STILL NO MONEY AND THERE STILL NOT DONE.
Consumer complaint received 2017-02-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armcon Corp (CA)

The debt collector calls me everyday, not just once a day, but multiple times a day, including weekends. They ask for XXXX different names that I have no connection with, and do not know. They are very rude over the phone, before I can explain to them that they are calling the wrong number, they hang up and I can never explain it to them. When I call back to see what they are calling for, they will not tell me who they are and what company unless I first tell them my information. So I had to backtrack their phone number to find out who they are. 
They company is Coachella Valley Collection Service Located in XXXX XXXX, CA Phone number : XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHO IT MAY CONCERN, THE ACCOUNTS LISTED IN THIS REPORT AND THE ATTACHED DOCUMENT ARE FRAUDULENT ACCOUNTS OPENED WITHOUT MY KNOWLEDGE AND CONSENT DUE TO IDENTITY THEFT.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

I have tried reaching out to this company about the debt, because it is not mine and I had my valuables stolen a few years ago with all of my personal information compromised. I would like if they an remove this debt off of my report.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my XXXX and Bank of America debit cards. At or around XX/XX/XXXX I made multiple calls to XXXX XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of XXXX calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Bank of America claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the {$500.00} ( thats the amount charged on BofA debit ) within 10 days BofA denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. Thank you.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Kohls in regard to my checking account being compromised and wrote checks on my account to pay for purchases and the checks had returned on my Kohls credit card I informed the company of the information and my account closed without my knowledge after I informed the company to rectify the issue and the account kept accrue interests and late fees even after it was closed and Kohls failed to contact me to help me resolve the issue
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NE)

on XX/XX/2022 I made a reservation for XXXX totally XXXX which includes XXXX in insurance. shorty afterwards I canceled the flight and insurance. I was toldthat my funds would go back to my card immediately because the funds where never transfered to the airline 's system.I called XXXX XXXX XXXX  days later to file a dispute, I was told to contact XXXX because they have a 20day hold on my account and since the charge is stil lpending I can not disputethe charges, I have called XXXX several times and they said the hold up ison XXXX XXXX card. Today whenI call XXXX XXXX  confirmed what XXXX said that the funds where never transfered tothe airline and the hold is on their end, but they refused to release my funds. I have spoke to several supervisors whohavehung up on me. i have requested for a manager to callme on several occassions, I'm been told that theres no manager only CSR and supervisors.I have asked several times to have a ticket submited for a call back and I have been denied. Because of these people I wasnot able to have all of things moved out of my old apartment and into my new apartment. I was being charged {$140.00} an hour, so still today I have things still in my apartment that needs to be moved and the landlord is still charging everyday that my things remain in the apartmentandthe garage.I am physically not able to move the items, due tothe factthat I was being charged i was trying to move as much myself as I could and I have been in bed for the last 2 days because of the pain.The bank has no reason tohold my money except for the fact they want to. I suppose they are making interest no matter how small the amount, I'm sure when they hold enough ofthe consumers small amounts for 20 days they have some kind ofbenefit other wise they would not be holding it
Consumer complaint received 2016-11-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

As of XXXX XXXX, 2016, I went to XXXX of XXXX XXXX, NJ to purchase as used vehicle. I was introduced to the XXXX XXXX vehicle that I am currently driving now by XXXX ( the dealer ), he introduced the vehicle as one with no problems, and WITHOUT AN " AS IS STICKER " on the vehicle, implying that the vehicle would be under a form of warranty. 
As of XXXX XXXX, 2016, I went to the dealership to fill out the forms to purchase the vehicle with the manager, and I was swarmed with documents that I had to sign, but later I realized that there was no CAR FAX document to give a history of the condition of the vehicle. Since then I have been calling them to get a copy of the CAR FAX, and I have been getting the run around because since I purchased this vehicle, which has only been one year and three months, I have had to pay over XXXX in repair fees, for parts on the vehicle that should n't be in need of repairs in such a short time. Also there was no AS IS sticker on the vehicle, so I was under the impression that I was under a form of warranty. I then had a professional mechanic inspect the chassy of this vehicle and discover that this vehicle has suffer major water damage, AS IF IT WAS IN A FLOOD. So in summation, I paid XXXX, as a down payment, on a vehicle that was listed at XXXX, but with all of the newly discovered damages, like THE DIFFERENTIAL TRANSFER CASING, MUFFLER PIPE, AND THE FOUR WHEEL DRIVE AXIL, note : items that a newly purchased vehicle should be in need of repair, Is only worth less than my down payment amount. And yet I still have not got a CAR FAX statement on the history of this vehicle, and with the documentation I was given with this vehicle there is no AS IS sticker, nor was there one posted on the vehicle when I first looked at the vehicle. Yet I was told that the vehicle was a purchase AS IS, and there is no warranty, after i discovered damage to the vehicle. All together I spent XXXX out of pocket for a used vehicle in which throughout the nature of the loan I still owe XXXX. THIS IS NOT FAIR ... ...
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I filed a complaint with the CRA TransUnion XXXX   and XXXX. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (FL)

on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for one, First Progress XXXX. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted First Progress today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor experience shows an open account with First Progress XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to echo fax with XXXX XXXX now with First Progress it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all three I can view all three through an app on my phone. I will attach what I can through your website. It 's a secured credit card. XXXX
Consumer complaint received 2022-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I'll have made repeated attempts to have this collection removed from my account. It is illegal and was a debt that was previously discharged in bankruptcy. This company has intentionally affected my credit to get {$700.00} from me.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am a victim of identity theft. I have filed reports for identity theft and have even notified the 3 consumer reporting agencies over 3 months ago and nothing has happened. They have not removed anything nor have they mailed me anything. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with MAXIMUM accuracy. I have never opened any of the accounts or the inquiries that have included in my reports and they should be removed ASAP.
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

They are reporting that I owe thousands of dollars for rent for a based on income house if that I was living at for free. This is Tremendously devistating and brought my credit down. I have request validation multiple times n have not received it
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

I am part of the XXXX post-graduate closure action. As a result, my student loans were placed in forbearance until XXXX. However, I also participate in PSLF and want to continue making monthly payments on that program while the lawsuit is being resolved. On XX/XX/year>, I made my first monthly payment of {$540.00} since loans were paused for XXXX. However, because my loans were in forbearance, this payment didn't count towards PSLF. 

Since XX/XX/year> or XX/XX/year>, I have called my student loan servicer, MOHELA, at least 4 times and submitted a email asking that my loans be removed from forbearance status and that my payment of {$540.00} be refunded. On XX/XX/year>, I received notification that there was a delay in processing my requests, and that they would be processed within the following 90 days. However, it has now been 90 days and neither of these have been done. Consequently, I have been unable to make 4 of the 120 qualifying monthly payments towards PSLF and I am still owed {$540.00}. Working with MOHELA has been extremely frustrating. The wait times to speak to someone have always been longer than an hour and my requests have not been processed at all, let alone in a timely manner, which has resulted in personal consequences to me.
Consumer complaint received 2016-10-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have attempted several times to have my home equity line of credit refinanced at a lower interest rate but Wells Fargo keeps denying my application. They wo n't refinance my second mortgage so I can keep paying their outrageous high interest rate.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (AL)

XX/XX/2018 and XX/XX/2018 I received a letter from NCC Business Services INC. I requested validation of alleged debt. I did not receive the requested items but instead a bill was sent, with documentation of XXXX work done. On XX/XX/2018 was my last request validation to no response from the company. As of today 's date, I haven't received any correspondence since my last request for validation.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

There are many errors published on my credit reports. Apart from my name being misspelled many different ways, there are also accounts on my report I have no recollection of. I have been sending validation request letters to all 3 bureaus ( XXXX XXXX and Equifax ) since XX/XX/2021 and have not yet received any responses thus far- some of which were certified letters. I have also sent letters on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. According to what I've read about the FCRA, I have the legal right to dispute any inaccurate information on my credit report and by law the bureaus are obliged to provide me with validation of the reported accounts in question or remove them from my reports. These negative accounts are affecting my chances of being approved for a mortgage in the near future. I have been working very hard as a XXXX  to save up and provide for my family and without good credit I am finding it difficult to do that.
Consumer complaint received 2016-04-04
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (VA)

Good Morning! My name is XXXX XXXX my loan number is XXXX, is I 'd like to request your assistance. In XXXX XXXX 2013 to be exact, my home of XXXX XXXX XXXX XXXX, XXXX XXXX, was foreclosed. By this company, this mortgage company unfair policy and practices PHH XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Phone number : XXXX XXXXXXXXXXXX. Prior to the foreclosure, I made several attempts to request assistance from the mortgage lender to help me obtain a loan modification in an effort to attempt to save my home. My request was based on the economic downturn of the economy which resulted in government employees not receiving pay raises, loss of income due to tax increases, and a government furlough. Due to PHH Mortgage Company 's irresponsibly and failure to respond to my questions or concerns, I lost my home. The XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection, and your company agree there was miss conduct had occur and you all paid me monies, what I would be in our best interested is that your company remove the foreclosure from my credit. I have the information that was provide to me from the XXXX Attorney General, the XXXX Division of Consumer Affairs, and the Offices of Consumer Protection and the Veteran 's Affairs. If you all need a copy of this information please let me know. Thank you for your time and assistance. Please contact me with any questions you all may have. I would like to have my VA loan reinstated.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank approved a Lowe 's credit card from my application. I used the card the day I was approved and only 2 weeks later they closed the account. They indicated it was based on my credit report as the reason for closing, however the only report they obtained was at the time of application and nothing changed on my report from the date of application to the date of closing. They are refusing to provide additional information and this now negatively impacted my credit score.
Consumer complaint received 2021-06-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (KY)

Had been with XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX ) for more than five years, contact them true agent at XXXX XXXX. 
When I retired in XX/XX/2020 from XXXX XXXX XXXX XXXX pay {$480.00} liability for six months got to expensive, call agent two months before to let insurance know, and start looking for cheaper, found it - {$220.00} for six months. XXXX decide I own {$79.00} for one more month, I pay always six months in full. 
Contact Insurance ( agent ) several times, no result. 
XXXX send to collection agency - Transworld Systems Ins. ( XXXX XXXX  Address:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX PA XXXX ) ( Return Mail : XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXX, contact agency, ask questions - no answers. 
Please help
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NV)

I was behind on my mortgage for my condo, The total in back payments was a little over XXXX. The payment has been {$790.00} for the past years, which is confirmed on my credit report,, I paid the {$62000.00} to have the account current. The bank told me my payment will remain the same as long as I continue to make payments on time. 
After my payment of {$62000.00} was received, the bank started to send me bills of {$2500.00}, {$1400.00} not the agreed amount of {$790.00}