davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I over drafted my account but made a deposit of to bring the account back to date the very next day. I made a deposits of {$1200.00} plus more from XXXX thru XXXX. In those deposits {$400.00} was taken in overdraft fees, and my account is still overdrawn because of this. I have contacted your bank multiple times asking to just reject transactions when I don't have the funds instead of letting them go through. I have gone through the process of taking overdraft protection off my account in you're still taking these fees. These fees are predatory, your institution knows that there's n funds in the account and is letting them go through to be able to charge these fees. It is absolutely ridiculous that during a recession, and covid times you're taking advantage of your consumers. From 2020 until today, this bank has charged me over {$900.00} in overdraft fees. If this is not rectified I plan on taking legal action.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

Dollar Amount as of XXXX : {$140.00} Dear Sir/Madam : I received a statement from American Express to renew the annual Delta SkyMiles Gold Card membership for the fee of {$99.00}, which is due by XX/XX/XXXX. On XX/XX/XXXX, my spouse and authorized secondary card user, contacted American Express Customer Care at XXXX on my behalf to cancel both our Delta SkyMiles Gold American Express cards. In other words, we do not want to renew our membership and hence should not be paying for the membership fee. 

On XX/XX/XXXX, I received another statement from American Express that showed a previous balance of {$99.00} for the membership fee, a late fee of {$40.00}, and interest of {$1.00}. 

I continued to receive monthly statements asking for the membership fee and late fees. Again, on my behalf, my spouse called the American Express customer care on XXXX and XXXX to let them know that she has already requested American Express to cancel our cards and not to renew the annual membership on XX/XX/XXXX. Each time, they would tell her that a manager will review this matter and reach out to us. However, to-date, neither of us has received any calls from any American Express manager . But one of the agents disclosed to my spouse that apparently the agent that she spoke to the first time has terminated her card but not mine. I was astonished at the incompetence of the American Express customer care agent, and it is not fair to penalize me for his error. 

I wrote to American Express in XX/XX/XXXX to complain about this matter. And they finally cancelled the cards and closed the account but continued to bill me for the membership fee and late fees. 

In addition, I also did not receive the {$100.00} Delta flight credit promised. This is a special credit issued to Delta credit cardholders that spend {$10000.00} or more in a calendar year on their Delta SkyMiles Gold Card. I have spent more than {$10000.00} in XXXX and have been prompt in making monthly payment. 

This is extremely frustrating. It is not fair to charge me for the membership fee and late fees for membership I have requested for them to cancel before the due date. I am asking for a fair resolution that American Express not to charge me for the annual membership fee and late fees for membership I neither use nor want. And issue me the {$100.00} Delta flight credit that is promised when I met my calendar year spending. 

Thank you for your attention to this matter.
Consumer complaint received 2021-10-26
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: NAVY FEDERAL CREDIT UNION (TX)

I SPOKE WITH A REPRESENTIVE AT NAVY FEDERAL CREDIT UNION ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.
Consumer complaint received 2022-03-01
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-26
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: Stallings Financial Group, Inc. (GA)

Stalling Financial Group placed a negative entry on my XXXX and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to SFG and their response.
Consumer complaint received 2022-08-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My loan has been interest only plus desired principal for years and suddenly the required payment ballooned up years after the original XXXX had passed without a letter or any kind of warning other than the billing statement from about {$1200.00} to $ XXXX. They refuse to provide an amortization statement of any kind for the remaining $ XXXX balance. 

Last month we paid {$4200.00} via check on XX/XX/22. They debited the same amount a second time on XX/XX/22 and credited that to the principal. For several previous months, we paid in advance via check and were not debited, so we did not expect to be out over {$4000.00} twice in one week. 

I contacted them for a refund of the second payment on XX/XX/22. They assured me the payment was issued XX/XX/22 although various agents aren't quite sure if it was mailed that day, the next day ( Saturday ), or Monday. 

I have called multiple times about it not being received yet and was told if I didn't have it by XX/XX/22 they would re-issue the check. Called XXXX and, surprise, they now say it can't be reissued until XX/XX/22. They also will not do it electronically, via XXXX, via XXXX, or even USPS XXXX  It can only be sent regular mail. They will not check to see if the original check was stolen from the mail and cashed. I get a new runaround every time I call. If you try to get a supervisor, no one is ever available.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (MD)

XXXX XXXX XXXX Original creditor : XXXX XXXX {$530.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Provided my letter 9 months ago that this account does not belong to me. 

and SECURITY CREDIT SERVIC Original creditor : XXXX XXXX {$2000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX referred me to XXXX XXXX Tel : XXXX on XXXX XXXXXXXX XXXX XXXXXXXX XXXX I contacted this collection agency and was informed that they have received my letter and report that this debt was fraudulent some 9 months ago but every time I demand that they remove it from my report they state that they can not talk to me unless I cancel my dispute. When I report it to the credit agencies, XXXX XXXX and Security Credit confirm that the accounts belong to me despite having my letter that these amount do not belong to me. 

and
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (VA)

I transferred money thru Zelle thru my bank XXXX XXXX. I sent it to the wrong number but after 2 minutes got the correct number and corrected it. I called my bank to let them know. After a few days, I received a letter from XXXX XXXX  that they can not help me get my money back which is {$1100.00}. My complaint is- if it was reported to my bank within minutes the error was recognized, why did the bank put on hold the transaction and reverse the payment. They have all the power to reverse the payment, if the person and phone number doesn't match. Just like what you do with wire transfers. I sent a message to the person with wrong number to return the money but did not return it. After talking to my bank who insisted they can not help and suggested I called Zelle, which I did, now Zelle is telling me that they can not help and should call my bank. My questions is- how are the consumers protected from this kind of kind of mistake. Who takes responsibility. If the person 's name does not even match, why process the transfer?
Consumer complaint received 2021-10-26
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. (CT)

Hello and Good day. Im writing this formal complaint because I am seeking legal options against these companies XXXX and equifax who have failed to follow the guidelines that The FTC And FCRA has clearly layed out for these accounts. I started disputing these negative accounts that will list on XX/XX/XXXX which Ive never received any response within the thirty day deadline that they were given once they received my report which ive also tracked and They have consistently ignored any if my attempts through mail to get The Violations and inaccuracies removed. 
I am also Contacting my attn General because they seem to think they are above the rules set out By the XXXX. 

XXXX XXXX XXXX 1. This account Has been Reaged a number of times and is reporting different dates last active 2. Its reporting recent activity in the payment history section after this account was charged off and closed 3. The next Inaccuracy and now violation on this account is its reporting XXXX for XXXX but equifax is reporting 60 days fir XX/XX/XXXX pay history. 
4. They ALSO HAVE NOT PUT IN A NOTICE OF DISPUTE WHICH MEANS THEY NEVER INVESTIGATED! THATS 4 VIOLATIONS FOR OVER 4 MONTHS! 

XXXX XXXX This account violates the CFRA bevause its reporting a past due on a Collection and has activity after the account was closed as well which is being reported by equifax only. 

XXXX XXXX XXXX This account is Showing the date last active in two entirely different years which means theyve Reaged it. This is illegal and a violation. 


XXXX XXXX EQUIFAX NEVER PUT IN A NOTICE OF DISPUTE WITHIN 30 DAYS OF GETTING MY DISPUTE. ITS BEEN 120 DAYS AMD ITS STILL IN VIOLATION. 

XXXX XXXX XXXX This account is Reaged both the date last active are being reported inaccurately. 
I KNOW and have read online the laws that remate these companies and from what i understand if they dont remove all these accounts i have the right to compensation for injury. They need to do it soon. My patience is wearing thin and its really becoming evident thst they just don't care. 
I will attach all the pictures with these ackunts and the some of letters that I've sent so you can see they have not answered or deleted these accounts and have broken the law.
Consumer complaint received 2022-04-18
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-03-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Hi my name is XXXX XXXX. XXXX has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The XXXX account # XXXX .... and PORTFOLIO RECOVERY account # XXXX in reference continues to report on my XXXX file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY and XXXX can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.
Consumer complaint received 2022-06-28
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: Collins Asset Group, LLC (IL)

***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** I, XXXX XXXX, as a Federally protected consumer XXXX am submitting this complaint against the debt collection agency, Collins Asset Group , LLC for willful and deliberate failure to comply with the Fair Credit Reporting Act section 15 USC 1681s-2 ( a ) ( 6 ) ( B ) by removing or blocking the inaccurate and fraudulent account from my consumer credit report. With clean hands and in good faith I have issued due notice to this agency informing them of the Identity Theft and unauthorized activity committed, which includes the required statement of facts by the consumer, the FTC Identity Theft Report, and the FTC Identity Theft Affidavit in accordance with the FCRA. This debt collection agency continues to furnish fraudulent account information in an unfair, false, misleading, and inequitable manner causing grave harm and detriment to my financial reputation as a Federally protected consumer. Collins Asset Group , LLC has committed willful and deliberate violations of both the FDCPA and the FCRA and shall be held civilly and criminally liable for the following : 1. ) FDCPA - 15 USC 1692c ( a ) / 12 CFR 1006.6 ( b ) ( 4 ) ( i ) No Prior Consent to Communicate 2. ) FDCPA 15 USC 1692e ( 2 ) ( A ) / 12 CFR 1006.18 ( b ) ( 2 ) ( i ) False Representation of Debt Amount 3. ) FDCPA 15 USC 1692f ( 1 ) / 12 CFR 1006.18 ( d ) False or Misleading Representations 4. ) FDCPA 15 USC 1692e ( 10 ) / 12 CFR 1006.22 ( b ) Collecting Amount With No Agreement 5. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) Reporting Information Factually Inaccurate 6. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) Reporting Information After Notice of Inaccuracy 7. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information With Knowledge of Errors 8. ) FCRA 12 CFR 1022.3 ( h ) Identity Theft / Unauthorized Use of Personal Information 9. ) FCRA 15 USC 1681s-2 ( a ) ( 6 ) ( B ) Failure to Remove Information after Notice of Identity Theft
Consumer complaint received 2022-03-01
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-01
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: Resurgent Capital Services L.P. (GA)

Hi my name is XXXX XXXX. XXXX has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The RESURGENT  account # XXXX .... and XXXX XXXX account # XXXX in reference continues to report on my XXXX file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX and RESURGENT can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Unfortunately My father passed away XX/XX/2021. I was left to keep up with everything. I found 3 checks under my fathers name at home, he had the tendency of sometimes forgetting to cash them out, so with everything going on ( funeral, bills, school, mychildren, work ) I didnt have time to go up to the bank ( chase bank ) so I deposit all 3 checks to my account thru my mobile app didnt think it would be an issue since Im his XXXX daughter. I deposit 2 of them on XX/XX/2021 one for the amount of {$700.00} which was returned for altered and another for {$630.00} which was returned for NFS and the 3rd one was deposit via atm XX/XX/2021 for the amount of {$550.00}. I went to the bank office and I also called explaining the situation I had no way of knowing if they where cashed or not I also tried to explain he passed away but he signed all 3 of them tried to provide death certificate but I was turned away without any help or chance. And was told my account would close without further investigation. 
I wasnt even told I had to find out thru my mobile app. I never received a letter from them at all.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I am a homeowner that resides in the state of XXXX, and I am having a difficult time of obtaining mortgage assistance provided through the Homeowners Assistance Program. The Homeowners assistance program is a Federally funded program designed to help homeowners that were financially affected by the pandemic with mortgage assistance. 

I recently applied to the Homeowners Assistance program via a link found on Bank of America website in which directly connects you to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Program. Each state has a federally approved housing organization that administers the program funds and works directly with the Lender of the default borrower. 

On XX/XX/2021, I received an updated status notification stating that my application was withdrawn due to no response from the lender. On XX/XX/XXXX, I reached out to Both XXXX XXXX XXXX ( XXXX ) and Bank of America for additional information regarding my mortgage assistance application. I was told by XXXX XXXX XXXX of XXXX that Bank of America has refused to allow their borrowers an opportunity to participate in this program, and that XXXX could not proceed unless the lender sign a service participation program agreement, which has been previously submitted to BOA by XXXX. XXXX XXXX also stated that she has been directed by her BOA mortgage contact that BOA has decided to place all of its borrowers that are participating in the home owners Assistance program on hold. 

Upon receiving this information, I was in total shock because I assumed that BOA would be on board with helping distress borrowers bring their mortgage current, especially when BOA benefits as well. I also do not understand why BOA would advertise a program on their site for assistance, but in the end prevent borrowers from accessing the funds by refusing to work with affiliated organizations administering the homeowners assistance program. 

Next, I reached out to Bank of America customer service department to validate XXXX claim and to check on the status of my application, however I have not received any feedback other than I needed to contact XXXX for enrollment purposes, and to answer any questions regarding the Homeowners assistance program. In addition, the BOA representative could not direct me to anyone within BOA company that could assist me further. 

With that said, I am reaching out to your office hoping that you will assist me in resolving this matter and allow me an opportunity to participate in the homeowners assistance program. Please be advised that XXXX has stated to me that time is of the essence and the program will exist until dollars run out. Thanks in advance for your assistance in helping to bring more clarity in this matter and hopefully access to federal dollars to prevent default on my current BOA mortgage. 

Sincerely, Current BOA Mortgage Borrower