davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (TX)

I think Ive already filed one complaint but BMO Harris their customer service is so nonexistent it actually managed to cost me a small amount of physical harm. First I called up and had to hang up because I couldnt hear the person on the other end. When I called back they acted like they couldnt hear me and eventually they just stop talking and I had to hang up. Third time I called back they had closed and they closed up super early so I couldnt reach em. 

I am still trying to get a hold of them and I have not even able to check up on my paychecks. This is bad. 
Theyve also injured my finger because I have a nervous habit caused by XXXX. And I was so stressed out I did a little too hard and now my finger is a little bit messed up. Its even interfering with my job
Consumer complaint received 2022-01-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (AL)

I am an XXXX XXXX  male who owns real estate property in a prominent suburban neighborhood, and I feel that I have been discriminated against due to unfair practice of a Real Estate Appraisal Report who unfairly devalued my property. 
These are the concerns, a ) the appraisal underestimated the square footage of my home dating back to its original listing in XXXX and previous appraisals reports, the square footage was reduced down to XXXX square feet, rather than its actual square footage of XXXX, and b ) there were other recent comparable properties that sold in my neighborhood that was not considered, especially one that sold for much higher value at the same square footage the appraisal listed in the report nearly {$50000.00} difference.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX at XXXX XXXX  I deposited XXXX dollar by the Atm on chase bank located at XXXX XXXX XXXX XXXX when the machine took my money after that appear error call to the bank, I called them around XXXX o clock and when we talk they ask me how much I said was XXXX or XXXX XXXX, and the guy told me ok I will send the money until we investigate, pass 3 week I check my account and they take out XXXX from my account, I call them more than 3 hours they pass me to XXXX  person, I already spoke we the supervisor and he said that they dont check cameras, this is no fair with clients because was a bank mistake and they dont give us option, is not right they can do this to clients, I need somebody help me and check the cameras and do a right investigation.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file
Consumer complaint received 2022-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JTM Capital Management, LLC (MI)

Last year I received a letter in the mail for a settlement amount on a credit card I had and because of health my bills were sadly not taken care of while I was very sick so when I got the paper from them in the mail I was able to address the issue and went online and set up an account to have the money paid to them on the XXXX of the month for six month 's which was the length of time and payment of the one I chose. I did so and it was never reported on my credit report that I did so and when I called them and tried to have them fix the issue, I was told I could not be helped they no longer had the account, which no one should since I paid it off as I explained. The man I believe said his name was XXXX and asked for his name again after he said he could not help me. He then hung up on me and after seeing all the reviews online in regard to this company I am not sure how they are even allowed to be trusted with a person 's life. Our credit report is a relaxation of us as a person to most if not all credit dealings and companies being paid and not reporting it is so wrong as we are required to handle our credit and life in a lawful and honest way, they should be held to this if not more so. I have my bank statements showing all the money paid to them and found the last letter saying I had just 2 more payments till paid off and they never sent another or even a letter thanking me for doing what I said and they have another account of mine that after this experience has me so XXXX  shy that I do not know how to handle it. If they read the reviews of the consumers who paid and they never updated their credit they would be ashamed of themselves and not sure how they get away with it, totally disgusted.
Consumer complaint received 2022-01-01
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: DISCOVER BANK (CA)

I was defrauded {$2100.00} from a Discover Card merchant named XXXX XXXX on XX/XX/2021. I provided evidence proving that I was defrauded, but Discover Card ignored the evidence and wrongly sided with the merchant. Discover Card has profited from this fraud by wrongly charging me monthly interest on this fraudulent charge of {$2100.00}.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021, I submitted 3 dispuit letters to Transunion, XXXX and XXXX Disputing 4 accounts asking them to provide proof of accuracy for these accounts. Under the Fair Credit Reporting Act, I was to be provided with proof of accuracy for these acounts within 30 days. However, I recieved no response nor did I recieve proof that these accounts belong to me.
Consumer complaint received 2022-01-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

Us Bank - Is extremely ineffecient in covid19 mortgage modification/ forebearance plan servicing. In XXXX of XXXX I believe I was forced to pay instead of us bank having fair forebearance options. This caused a increased hardship rather than true payment workout plans. As a result Of COVID-19 I applied for a mortgage for forbearance month by month. Multiple times I contacted U.S. Bank to continue the relationship and in efforts to prevent default an excess of hardship. US Bank continue to not provide upfront information and allow consumers to make decisions including being denied to streamline process multiple times. When I knew I could afford my home and make payments. But US Bank instead made me do a complete request for mortgage assistance multiple times and as of this day of XX/XX/XXXX US Bank multiple times sent paperwork to the wrong address and then canceled the forbearance plan and multiple times and said that they will resolve the issue and they still have not. I have made a good attempt to make payments to US Bank for my home in US Bank home mortgage will not except my monies. This is causing an undue stressful hardship including Internet ability to really be a responsible borrower. Putting undue stress and hardship on me. I have had to constantly reach out to US Bank by phone and spent hours on the phone hours not minutes hoursI 've gotten a different answer each time and not a consistent answer I hope all my phone calls are recorded and can be reviewedAs of this date I had signed paperwork that was sent to me XX/XX/XXXX and Sent on time to US Bank with an acceptance by US Bank in Kentucky on XX/XX/XXXX The papers were received and then on XX/XX/XXXX they revoked or canceled the modification. As a result they had stated clearly by phone because I did not make my XXXX XXXX and XXXX payment. I was unable to make XXXX XXXX and XXXXXXXX XXXX payment because US Bank could not get the paperwork sent to the correct mailing address. They continue to send it to the home address knowing by multiple phone calls that I was not home due to working at a different location and needed to provide a mailing address. At this time US Bank is still not modified or completed the service in process will not except my monies. and it's causing me to be a extremely stressed borrower. I believe that my streamlined process was completely mishandled. I believe that I was provided in accurate access to affordable housing having an FHA loan and I believe that US banks and tents or not to provide a streamlined process. It's apparent that either they're just making it up on the fly and agents are just answering things just because but I am filingA complaint because I believe that my home will be put in the foreclosure for unnecessary reasons
Consumer complaint received 2022-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

XXXX and XXXX keep reporting a collection in the amount of {$9700.00} that has been tuned over to the Phoenix Recovery Group, # XXXX against me. I have written documentation from the original creditor that this is NOT my debt and I am NOT responsible for paying this debt. I have sent certified letters to both Phoenix Recovery Group on XX/XX/2021 and to both XXXX And XXXX ( XX/XX/2021 ) but it is still showing up as a collection on my credit report. I need this {$9700.00} Collection deleted from the credit bureaus because I am trying to obtain a mortgage loan and keep getting denied. I have even gone to Phoenix Recovery in person and showed verification that this is not mine and they have failed to remove it and this is why I am submitting this complaint. They should have removed many months ago. Please help me by getting this erroneous debt off of my credit report and I would be truly grateful.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX, my XXXX XXXX  ending in XXXX was loaded with {$500.00} at a XXXX XXXX store. The cashier seemed to make mistakes in the process and asked to swipe my payment card multiple times. Eventually the load was successful. 

However, when I tried to use my Serve Card that same afternoon it was declined at the register. I called Serve customer service and heard that my card had been locked. I was later told that the account would be closed because a reversed payment occurred which is against the terms. Since that day I have no access to the funds on my card or my online account. 

The customer service agent said on XX/XX/XXXX that my account had a balance of {$2500.00}. A check for those funds would be sent by mail within the next 14 business days. This has not happened. 

I can not access my online account anymore because it is closed. A Serve Email notification from XXXX stated the same account balance of {$2500.00}. An email message from XXXX inexplicably stated a lower balance of {$2000.00}. 

I sent a complaint to Serve Customer Care on XX/XX/XXXX to complain about their withholding my money, and their apparent attempt to defraud me. I have received no response.
Consumer complaint received 2022-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MD)

Here are the etherscan links to the two unauthorized transactions : XX/XX/XXXX XXXX XXXX  - XXXX XXXX removed from my wallet https : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX removed from my wallet https : XXXX My account was setup to require two step authentication for all XXXX. It is still setup to require two step authentication for all transactions. Two step authentication was not attempted for these two unauthorized transactions. 

I saved my XXXX word recovery phrase on my work computer buried in a large XXXX file and on a XXXX XXXX. I did not save it on the cloud, or on a computer/phone that I have ever used for anything Coinbase related. 

Neither the email address that I used for the Coinbase Account, or the email address that I use for my Android account ( for my phone that would receive text messages and submit fingerprint verification ) have any record of a login to these accounts from a new device. These are two different email accounts with two different passwords - another step that I took to protect my account.

I was not sent any email confirmation that my 12 word recover phrase was used during this time. I did use the 12 word recovery phrase on XX/XX/2021, and an email confirmation was sent to me on that day, which leads me to believe that the 12 word recovery phrase was not used by me or anyone else prior to XX/XX/XXXX. 

Coinbase has claimed that my 12 word recovery phrase was used to remove the money from my account, but they have not explained how I was not given an email confirmation that my 12 word recovery phrase was being used, or why they did not even attempt two step authentication with the phone number that was on the account. They refuse to give any other answers to my questions. They refuse to even acknowledge my question asking them to confirm that the wallet address given to me by the Coinbase Wallet is indeed my Coinbase Wallet address.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Goodman Frost, PLLC (MI)

XXXX, I called XXXX XXXX XXXX XXXX and XXXX XXXX in order to resolve a debt. XXXX XXXX commenced to intimidate me with a bench warrant, stating it would wake me up. 
XX/XX/XXXX I participated in a creditors exam, where it was clear to XXXX XXXX I had no income. 
XX/XX/XXXX my bank account was emptied. {$1800.00} dollar 's of the money taken was from unemployment benefits, which should be exempt from garnishment. XXXX XXXX was well aware I collected unemployment. 

Complaints- threatened with arrest - garnished unemployment benefits
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've had a credit card for years with Bank of America. In XX/XX/XXXX I paid off my balance and because I had it on auto pay, it continued to pay and I ended up with a credit balance. They notified me repeatedly since they didn't want the credit balance so I turned off the auto payment and they sent me a check. 

Then in XX/XX/XXXX I did another balance transfer. I forgot I had turned off the auto payment so I received a late fee on XX/XX/XXXX. I get it, it was my mistake so paying the fee was fine. Then on XX/XX/XXXX, I received a fee for " minimum interest charge '' even though I wasn't supposed to be paying interest due to the balance transfer at 0 %. 

I didn't notice the fee in the beginning but called in XXXX when I noticed they had charged me a fee each subsequent month. I talked to somebody to ask why I was being charged this fee. They said because I had the late fee in XXXX, it will continue to charge this every month. My understanding is they aren't supposed to charge interest on fees so I'm confused how they are justifying this to begin with. They said they would refund the fees ( they just refunded one as far as I can tell ). When I asked what I could do in order to get this fixed so I wasn't charged this fee monthly, they told me they couldn't do anything to fix it but I could call every month and request a refund. Seriously?? I was very upset at this point due to their unreasonable response and believe I even talked to a supervisor. Asking customers to take the time to call each month to request a statement fix for {$1.00} is craziness. It's their error. I realize it's only {$1.00} but it's wrong and they could be doing this with a million customers each month. 

They have continued to charge this fee every month as they can see on my statements. I obviously just need to pay it off but want to bring awareness to this predatory fee practice. This definitely violates UDAAP and am surprised this is happening at such a large financial institution. 

I look forward to hearing the resolution on this matter and hope there can be further investigation as to how many customers are being charged fees inappropriately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marauder Corporation (TX)

I am filing a complaint regarding two collection accounts listed on my credit report from Nationwide Capital Services XXXX and XXXX. The original creditor for account XXXXXXXX XXXX XXXX XXXX, states on their website that they do not report credit in Texas. I have attached this as evidence. XXXX XXXX Account XXXX : This account was never properly verified as required by law. Additionally, there is a business registration violation. Nationwide Capital Services is not registered to do business in Texas, and its right to conduct business has been forfeited. I have attached proof of this forfeiture. Both accounts should be removed immediately, and payment must be remitted to the address on the attached XXXX XXXX due to your violations.
Consumer complaint received 2022-01-01
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 HAVE FILED DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT.ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2022-01-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (AL)

This company has failed to provide me with a debt ( right to dispute ).. They are saying they did but the address they are advising they used, which i am not associated with. I have documentation after documents to prove this .... I want to know who the original credit is because if it has been within the last 5 years then there is no reason, they should have the wrong address. Also, I do not have in lingering debt to my knowledge so this seems to be fraudulent. Again, they are going against my consumer rights. 

This needs to be removed. My next step will be filing a small claim because yet again, I did not receive a right to disputer- which I am entitled too. 

Secondly, this company has failed in all communications to do the right thing. 

All I am asking is give me the proper legal way to review this account and to actually KNOW what it is. Legally- that is my right and my right to dispute it if I have no knowledge. You can not just add a collection to a consumer 's credit report. 


Please remove this from my report, allow me time to review and dispute if needed. If this debt is actually mines and this is not a fraud Then we can deal with options, however this needs to be done the correct legal way. 

Please again remove this from my account- provide the original creditor the date it was open- as stated if within the last 5 years there is no reason you should have an incorrect address that i am not associated with. Please also provide proof the debt belongs to me.
Consumer complaint received 2022-01-01
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. (TX)

I have two different companies reporting the same account on my credit report. 

XXXX in the amount of {$550.00} XXXX XXXX in the amount of {$550.00} I have worked with a credit service and the problem has not been resolved.
Consumer complaint received 2022-01-01
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021 ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-01
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. (GA)

On XX/XX/2021 ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.