davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UMB FINANCIAL CORPORATION (TX)

All contacts were with customer service XXXX. 
XXXX I have a closed checking account at UMB and an active checking account. I was scheduled to receive a direct deposit into active account from XXXX XXXX. However, XXXX XXXX misdirected the funds of {$1000.00} into the closed account. I contacted UMB on conference call with XXXX XXXX, at which time it was explained by UMB representative that the funds were not being reflected. And since account was closed it would revert back to originator automatically. I should confirm receipt of the funds with originator in 5 business days. 
XX/XX/XXXX- Contacted UMB because XXXX XXXX hadn't received the funds. I was instructed that since the account was closed the funds were being forwarded back to me at my home address as a check. Should arrive within 5-7 days. 
XXXX Contacted UMB and was advised a check wasn't being mailed to me, but to XXXX XXXX and it had been processed on XXXX, so regular mail should have it there within 7-10 days.I requested a reference number or tracking number and was told nothing like that was available. 
XXXX I called and spoke to XXXX XXXX customer service who gathered the following information. The accounts receivable department had deducted {$8.00} from original direct deposit of {$1000.00} and I would be receiving by mail {$990.00} which was being sent via registered mail based on the dollar amount. This check has already been mailed and I should receive by XXXX, XXXX. She provided reference # XXXX. She was the only thorough person during this process. 
I explained to XXXX, I am traveling for work and wouldn't be back in the area for over 60 days. Otherwise, I would have tried to have this addressed at local branch in XXXX XXXX, TX. Also, I advised that I was unsure if I could get someone fto pick up mail. So she advised the check would be resent to my temporary address, if not received by XXXX, XXXX. I asked XXXX to find out from Accounts Receivable why this process has taken nearly 30 days to resolve and she was told, they have 14 days to process the transactions. 
XXXX I contacted UMB customer service and requested a supervisor. I was transferred to XXXX. After reading the notes, XXXX advised me a stop payment would only be completed after XXXX, XXXX and the check was sent regular mail. I should contact them again on XXXX XXXX, XXXX. I requested of XXXX that thorough documentation including my frustration with the timeline, the extreme miscommunication and my dissatisfaction with the EXTREMELY poor customer service, I had received EXCEPT for XXXX 's assistance on XX/XX/XXXX. I have contacted the FDIC, who refered me to Consumer Finance. GOV for assistance.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

inquired USAA team regarding refinancing and understanding the current interest rate offering. After getting into the call, the Loan Officer said they could lock me into a 3.5 % APR rate if I started today. There was an initial fee of {$530.00} appraisal fee upfront. Following the appraisal fee and appraisal, the USAA team increased the interest rate to 3.625 % ( the change was just done in paperwork and not verbally discussed ) and have dragged the processes along to where they now want an additional {$660.00} to extend the changed interest rate an additional 15 days to complete the process. I had reached out to the USAA team on several occasions after not hearing any status for periods of 10 days. The delay and lack of communicating the process/timeline and next steps falls on them. I have since talked with the loan officer, who has said it the interest rate increased because the appraisal came back lower. There was never a conversation that the interest rate could change and the loan office had stated when I started these processes that I was " Locked in at 3.5 % ''. The Manager of the Loan officer has left me a voice mail stating that there was no concern during the initial processing of my refinance because they work off the value I provide for the home. The appraisal was set up by the USAA team. It contradicts popular site such as XXXX. Had there been any communication or indicate that the 3.5 % interest rate was not locked in and what it was based on, I would have continued to hold off on refinancing.
Consumer complaint received 2020-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (OH)

In XXXX of 2016, I disputed several debts that were showing negatively on my XXXX credit report from a company named ALLIED BUSINESS SERVICES,  XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. This is a third-party company used by the original creditor XXXX XXXX Hospital to collect medical debt. I asked for validation to these debts as I hold private insurance which would have covered the cost of any submitted bill. Allied was unable to provide such proof leading me to dispute this information. I submitted a case for the debts online using XXXX. The case number for those disputes was XXXX. On XXXX XXXX, 2016, I was notified by XXXX that those accounts would be deleted from my credit bureau. This information is included in my attachment. However, nearly four years later this company still continues to report negatively to my credit report each month, severely impacting my credit score. XXXX is reporting amounts of {$510.00}, {$450.00}, {$250.00}, {$250.00}, {$240.00}, & {$180.00}. XXXX is reporting amounts of {$450.00}, {$250.00}, {$510.00}, {$180.00}, {$240.00}, {$250.00}, {$510.00}, {$240.00}, {$250.00}. I believe several of these are duplicated and incorrect thus further impacting my credit. I am alarmed that the outcome of a dispute was to delete the file and they continually report incorrectly. Additionally, I am very concerned that this company is unable to provide proof of the debt, but demand that I pay it and negatively impact my credit month over month.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I feel I was discriminated against by Chase based on my age. I have perfect credit. Over a year ago Chase, asked me to go into a Hardship program with lowered interest. I accepted this, but I did not understand that they closed my card. 

I keep great credit history. But I do not even have a chase login now. And I want to pay the whole balance I do not want to be in this program. 

I want my card to be opened. I believe there was miscommunication and misleading practices the representative pushed me to accept the partial payment plan but I never wanted that and I never wanted to close my card. I want to pay the full balance have my login back and have my card OPEN. 

I have a high 700 credit score and do biz with al banks. I have XXXX XXXX in assets and I am a good customer, I was misled and I want the card to be reopened and pay the full balance and continue my relationship with Chase. 

Ever since this happened, I tried calling hundreds of times to pay the full balance and get the card back in its original status but no one has been able to help me. 

I just ask for help please I have great payment history and I want to continue biz with chase!
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2019 I was denied an American Express Card.  Under the federal law Civil rights of 1866 section 1981 this is a federal law prohibiting discrimination on the basis of making and enforcing contracts.  American Express did not provide a suitable reason to deny me access to their credit card.
Consumer complaint received 2020-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (VA)

I'm uncertain if paypal is a digital wallet or store credit. I can add value and subtract from the paypal account which is tied to my banking accounts and credit cards. I also have " paypal credit ''. I am having issues with paypal credit. Paypal is intentionally misleading and makes it difficult to get to a feature that you can pay off any special financing/promotions. They advertise across multiple online stores and establishments words such as " free financing '', " free financing for one year '' ... or so on. If a customer wants to look at the balance of each financed item, they are redirected to another site which I believe has been recently taken over by Synchrony Credit. There is nowhere on the Paypal site or the Synchrony site that allows the customer to choose how they want their special financing payment applied towards those Paypal promotional purchases. You have to call, wait on the line, etc. to get to an operator and even that is difficult as we all know that companies don't want to talk to their customers anymore. It is obvious that not allowing the customer easy access to pay off special financing is a benefit to Paypal because of the interest or share they get from Synchrony and a benefit to Synchrony from that same interest but there is no benefit to the consumer. And the " 24hr chat '' is XXXX. It is a virtual assistant.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I XXXX XXXX recently pulled my credit reports to my shock to find that had not one...but FOUR collections accounts on my otherwise stellar credit reports from United Revenue Corp.These accounts had different account numbers and alleged amounts they say I owed. I have no knowledge of this company and don't recollect ever doing business with them or signing any documents or contracts agreeing to pay them any amount. So then why are they reporting negatively on my bureau reports?I feel these are all clear violations of the FDCPA.And if these are medical bills they are trying to collect and they aren't a medical facility why then would they have access to my information or billing?That is a clear HIPAA violation as well.The accounts in question are: # XXXX  for $XXXX# XXXX for $XXXX# XXXX for $XXXX# XXXX  for $XXXXPlease show proof of ownership and agreement to pay these accounts with original not photocopies of documents.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

XX/XX/XXXX, I signed a lease with The Social XXXX Student Spaces in XXXX, FL. within the three business days of consequence-free lease termination, I reached out to the property and notified them that due to an unexpected death in my family that I would not be able to move into the apartment. I asked if I need to fax them anything such as a death certificate, an obituary, or a lease termination form. I was informed that none of that was needed and that I could take my time to grieve without the stress of having to find a subleaser. Ironically, I was told prior to singing my lease in case I did not like it to not pay the entire move-in fee. How can a lease be canceled if it was it was never effective due to the move-in fee never being paid? 
XX/XX/XXXX, I reached out to the property to confirm that I was not moving in. However, the person whom I spoke with was no longer employed at the property. I explained the entire situation and was basically told that I have to pay the monthly rent until I find someone to sublease the apartment. 
XX/XX/XXXX, I get a notification that my credit score dropped due to an unpaid collection. I reached out the collection agency, IQ Data International. I asked for a detailed debt validation such as an itemized list of fees owed, a copy of the lease with my signature on it, any documentation that I would have sent the property such as a copy of my driver 's license and social security card. However, as of XX/XX/XXXX I have not received anything from IQ Data International in the mail regarding the debt or anything that I asked for. 

IQ Data International has threatened to send me jail.

IQ Data International has threatened to do an asset investigation to seize any asset that I could own.

IQ Data International has harrassed me to the point that I felt forced to change my number.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.
Consumer complaint received 2020-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and Transunion are reporting an erroneous debt on my credit file from XXXX. XXXX paid premiums for a policy that I was not eligible for. I have provided documentation to prove that I was not eligible and that I waived the benefit. In order to become eligible for the policy I have to write a letter asking for reinstatement which the company has not provided. I have provided documentation of me waiving the benefit and documentation stating that I was not eligible but XXXX continues to report every month. My check is currently being garnished but my score is not changing. Also, XXXX and Transunion is reporting incorrect debt to income ratio. Per the XXXX ' website I didn't meet the criteria for eligibility for the benefit of SGLI during the period that the charges were incurred.
Consumer complaint received 2020-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I was watching my balance everytime i made withdrawals. I can see the pending and cleared charges. However, the system of the Citibank is not reflective of any incoming charges. There is enough money to cover everything then suddenly i was charged {$10.00} for using an ATM when I made withdrawals which I thin is an outraged! For two withdrawals i was charged {$10.00} and this did not show and does let you know when they are going to charged it. I was expecting a XXXX dollar fee or less like before but {$10.00} for two transactions is outrageous. Then the monthly fee of {$12.00} kicks it. However in their system they made it appear that my {$10.00} XXXX  transaction is the one that causes the {$34.00} insufficient funds fee. I had that transaction several days before i made the withdrawals. I know I have enough funds to cover those and will still be let with possibly XXXX dollar on my account. I THINK THIS IS NOT RIGHT THAT I WAS CHARGED {$34.00}!
Consumer complaint received 2020-01-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Americas Car-Mart, Inc. (AL)

Account opened : XX/XX/XXXX Amount : XXXX I have sent out XXXX letters asking to have debt removed from my credit to seek relief and monetary damages, & the company has failed to verify items. Ive sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-11
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

Received a promotion addressed to me in XX/XX/2019 to open a TD Bank checking account and be credited {$300.00} if I met the direct deposit requirements. I met the requirements and called 4 times between XX/XX/XXXX and XX/XX/XXXX to find out why I hadn't been credited the promised {$300.00}. I got a different answer every time including being told in XX/XX/XXXX that I don't qualify for the promotion at all. I was told by a branch manager and a customer service representative just before XXXX  that they were contacting the back office on my behalf but I never received a response. I feel tricked into opening the account with the promise of a {$300.00} credit within 90 days of the XX/XX/XXXX account opening. Now I'm getting the run-around.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Due to hospitalizations and lay-off from work my husband and I were not able to pay our mortgage to XXXX XXXX. XXXX XXXX offered a forbeancence option with 3 payments of {$500.00} each for XXXX, XXXX and XX/XX/XXXX. The mortgage was transferred to Specialized Loan Servicing LLC ( SLS ) at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Colorado XXXX. We completed the Loan Modification application and the bank certified checks were sent by overnight mail and received by the first of each month for XXXX, XXXX and XX/XX/XXXX. We have tracking numbers proving the overnight packages arrived on time. I spoke with SLS on XX/XX/XXXX ( XXXX ) and asked if they received the XXXX payment. I knew they had because the USPS tracking number XXXX confirmed receipt. XXXX said she would notify my point of contact ( XXXX ) who would get back to me. XXXX did not get back to me. I called on XX/XX/XXXX and spoke with XXXX at XXXX XXXX. She told me at that time that the XXXX payment of {$500.00} was not received according to her software. This is false b/c we both checked the USPS tracking number which proves the check was received. I asked to have a supervisor call me and she said someone would within 24 to 48 hours. No one called. I called SLS again today XX/XX/XXXX and spoke with XXXX. I gave him the certified bank check number for the XXXX payment of {$500.00} My bank said that SLS has the check they just haven't cashed it yet. XXXX ( SLS ) says he will put in a request to find the check. This is the first time anyone has told me that the check was lost/misplaced and it will take 5 to 10 days to find it. He also said a supervisor hadn't called me b/c 48 hours hadn't gone by yet. I am getting the run around from SLS. I need to know if our Loan Modification was approved and what I have to start paying as a mortgage amount. I should not be forced to pay overdue fees b/c we filled out all the application and submitted the application and the three {$500.00} payments on time. I don't understand why SLS is holding the check and not cashing it. Why aren ' t they contacting me with an answer to my question about the loan modification. Something is fishy here.
Consumer complaint received 2020-01-04
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: Experian Information Solutions Inc. (MS)

So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.