davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am the power of attorney on a Bank of America checking account ( XXXX ) at the XXXX XXXX XXXX MD, bank center, which receives monthly deposits from Social Security. The owner of the account has a XXXX and qualifies for XXXX. He uses this money to pay for his food and transportation. For many, many years, the owner walked into the bank several times a week and took small cash withdrawals. He is well known to the bank staff since his XXXX is open and obvious. Suddenly, three months ago, the Bank refused to allow him to make any withdrawal without presenting a photo ID. He does not have a photo ID. His social worker tells me that he can not get a photo ID from XXXX XXXX without a birth certificate. At the same time, he can not get a birth certificate from vital records of the state where he was born without a photo ID. This Bank also refuses to give him a debit card unless he presents a photo ID. This shameful Bank should be penalized for withholding the owner 's cash under these circumstances. In addition, the Bank should waive the photo ID requires for this owner so that he can receive the cash needed to pay for his food. How many other XXXX persons are suffering from Bank of America 's failure to reasonably accommodate them.
Consumer complaint received 2016-08-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (DC)

I 'm being harassed by a lender who both charged me fees/interest I did n't expect and also would n't stop charging my account despite calls/emails. I also have received threatening emails and calls, but no actual paper work despite appeals for information in writing. I also submitted a formal letter asking for information when i lost my job, but no information was provided.
Consumer complaint received 2017-03-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

The collection agency could/would not provide any documentation that I owed the debt nor could they verify that they had tried to contact me via mail or otherwise. The agency has filed a judgment on me in the amount of {$1200.00}. The name of the collection agency is : Fein Such Kahn & Shepherd P.C. 
XXXX, NJ XXXX
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My credit account with capital one bank has been restrict because of fraud issue I spoke to many managers and nobody can resolve the problem. Had a three way conversation with my water bill so they can confirm that I 'm the right person. After verify ask me for more personal information. Sent and they told me that has been receive and have to wait 3 days after that when I call they keep saying that never receive anything. Bad service has capital one bank
Consumer complaint received 2017-05-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I have been paying  Navient ar  ound 450 every mont h or every other month due to financial struggles. They put me on a payment that is way to much for me saying that this was a t  XXXX  so it co uld n't get lower. I struggle and received help from family members to make payments only to later find out I was n't paying on my loans just the interest. I too  k 4 pri  vate loans out to finish college not knowing at the time what I was even doing. I been trying to just get a reasonable monthly payment but they insist I ca n't pay less th an the 500 something. I struggled to pay this amount for a few years and no long er could afford to do it I let my loan go into default last month and now they are saying they can get me a lower payment a t   XXXX   if   I  make a deposit of  XXXX  first. I was totally outrage because I struggled for years to get that when I could of had a better option that would of actually paid on my loans and not just my interest. I need to know asap what should I do because I have unt il  XX/XX/XXXX  to make the payment or they will try to take le gal action on me. They are currently being sued because of these type of treatments to there customers so I am lost on whether to pay this amount or let actions happen. I know this lawsuit can take years to play out so what should I do?
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (NV)

XXXX, Ca. XXXX XXXX station. I attempted to take a {$200.00} with from my checking acct thru american express. And on both attempts I was declined. Due to a error code XXXX. Well I went home and contacted amex and filed a dispute claim. Denied XXXX XXXX so XXXX XXXX XXXX. After speaking to global ATM company and told to have amex do charge back I filed another dispute. Well its now 10 days and still no resolve. I 'm a XXXX citizen on ssi and I need my money back. All the CSR 's at amex are rude incapable of helping. Can not understand them as they are not fluent in XXXX. And they hang up on you
Consumer complaint received 2017-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

A previous complain was submitted and I asked  Wells Fargo to waive double fees charged on my account, fix error on my transactions and they responded that my checking account has a high credit of waived fees. I was n't talking about my Checking Account, I am talking about my Saving  Account which is currently overdrawn.   They have n't waive any fees on my  Saving Account. A check was misplaced by the Bank. They canceled it on my checking account and deposited on my Saving Account after have it deposited on both accounts because they did n't giv e me available balance for it. I used the check balance from my checking account and they took that used money from my checking account twice and transferred it to my saving account causing its overdrawn, meaning they took the money from my checking and also from my saving account, canceled the check deposited on my checking which was the place I used the money from and took money from my saving account also for that same check.   They also charged me fees for transferring available balance on my saving account to my checking account. {$35.00} dollars fees were accessed because I transfer money and they overdrew my account after that charging me fees for the previous transfer.   They removed my Saving account from my online account and now I ca n't give you proof because they are smart and sneaky and removed me from online access.
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

i hired all star moving company from XXXX to XXXX XXXX to pick up my goods on XX/XX/XXXX, i paid XXXX % ( XXXX ) as a advance, but then i found out that they have very bad reviews, and bad reputation with XXXX, so i called them to cancel and refund my money, they refused to refund the money because it is not refundable according to contract, then i called my credit card company for a charge back, they put the money on the side but advised me to work with merchant anyway, so i called the mover ( XXXX XXXX ) they insisted not refunding the money, but they insisted to show up to pick up the goods, so i hired another moving company ( all city movers ) and they charged me {$100.00} advance so i booked them, for XX/XX/XXXX thinking that if all star shows up on XX/XX/XXXX i will go with them and will cancel with all city and will loose {$100.00}, but surprisingly all star never showed up on XX/XX/XXXX, i thought they are not interested to fight the chargeback and moved with all city movers smoothly to houston, now after 2 months city bank revered the charge in merchants favor, i called several times to citibank i just got one call back from citibank and she said that because i signed on a not refundable deposit so i should not get any money, but i do not understand that when a moving company does not show up for the job they were supposed to, how can take XXXX % of the money, yes i called to cancel it but mover did not accept the cancellation, and kept insisting that they will show up according to the contract and i waited all day for them, but they never showed up, plus this company charged XXXX % as a deposit that showed their bad intention, because the other company charged only XXXX % as a deposit, it was a red flag which i did not catch, but even charging that big money they did not bother to show up, so i think that citibank is wrong to reverse the charges in favor of merchant, first of all this is not a merchant, it is a mover ( a service company ) but they did not provide me any service according to the contract and still rewarded for XXXX, it is a big loss to me without getting any thing on the other hand, i hope you will ask citibank to reverse this in my favor, my name is XXXX XXXX XXXX XXXX XXXX XXXX and my phone is XXXX XXXX XXXX
Consumer complaint received 2016-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

I visited XXXX XXXX Hospital, in XXXX XXXX, California for services and paid for the services at the time for all matters. The bill was for a little over {$100.00} sometime in XX/XX/XXXX or XX/XX/XXXX. I did not have insurance at the time of this visit. I am sure I do not owe this hospital any money since I asked for my bill at the time and paid it in full. I never have not paid for a bill that was due for services or a product I purchased. They are trying to get money from me for something I do not owe. FRAUD!!
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, I completed a XXXX transaction with my credit card knowing that the pound to dollar exchange rate fell to XXXX after the XXXX vote. The transaction was executed by University XXXX on the XXXX and posted by Bank of America on the XXXX. Bank of America charged me {$7100.00} for the transaction which translates to an exchange rate of XXXX. The difference in rates led to me being overcharged {$330.00} on the transaction. Even if you use the exchange rate on the XXXX ( posting date ) the difference is even higher. My credit card with B of A has a provision of no forex fees so the difference is not a fee ( I have done these before ). I was over charged at least {$330.00} on a single transaction. I have attached documentation to support. Thank you, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed a fraudulent account on my credit report from XXXX XXXX. The fraudulent account is on my credit report three times, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts for the same XXXX account and XXXX has refused to removed. This is XXXX XXXX signature on the XXXX XXXX application not XXXX XXXX 's in which she admits. I have provided my signature and XXXX XXXX requested a signature from the year of the contract which is absurd. My signature is my signature and I have provided them that. I have attached a copy where I have contacted the company informing them they have the XXXX fraudulent account on my credit reports 3 times and there has not been an expedited removal. It is against FCRA to have the same account on credit reports. I have also attached my domicile in which I have continuously provided with my signature and showing that the application in which XXXX XXXX provided the information for contact is not mine it is my daughter 's address. They have stated that that I never returned any documents denying that I applied for a loan, that is because I never knew of the loan until viewing my credit reports as I have continuously stated and provided them with my address. My address was XXXX XXXX XXXX XXXX until 2007, then XXXX XXXX XXXX XXXX XXXX I was finally able to get a copy of my contract for my XXXX XXXX XXXX XXXX home showing that was my property until moving to XXXX XXXX XXXX XXXX, which is on my credit report under addresses. I am again asking for this fraudulent accounts to be removed immediately. My next action would have to be legal representation as I have exhausted all reasonable options.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have tried to recieve a score and a report from equifax. Every time I call they explain to send them documents of My personal information to verify. I have sent this countless times to the XXXX po box address that they provided. So I notice after sending this information nothing has changed. I have called again and asked what is wrong why am I'm not able to get a report. They said I needed to seen my personal information again. I explained I have sent this. And they told me we got rid of the documents you sent after 60 days. So I am not going to keep sending my same documents and not getting anywhere.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

I contact GLA collection company about a medical bill that was on my credit report. The bill and amount stated {$38.00} and I was prepared to pay this amount, as I was in the process of getting a mortgage. When I was about to pay, the representative insisted that my amount was {$61.00} with the interest. I informed them that I did not owe that amount and that I would pay the {$38.00} but that it MUST be removed from my credit reports due to the mortgage review. I told them I did not count that in my budget and I could n't pay it yet but could pay the {$38.00}. They said if I only paid the {$38.00} that it would remain on my credit report ( alternatively ruining my chances of getting a mortgage ) but if I paid the full amount of {$61.00}, they would remove it. They would n't even allow me to pay {$38.00} and call back to pay the rest if I could. I had to pay non or all. I paid the {$61.00} to get it removed in order to buy a house. There was no agreement to pay interest or even that I owed more than {$38.00}, except when they knew I was planning on paying. They even sent me an immediate receipt but it only stated that I paid {$38.00}, even though my account shows they removed the full {$61.00}. I could n't even get a correct receipt from them.
Consumer complaint received 2016-05-21
Product: Credit card — 
Issue: Privacy — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I have XXXX credit card accounts with USAA. XXXX is a mastercard, ends with XXXX. 
For some reason, USAA blocked me out of the online service for " identity '' reasons. This has been going on since XX/XX/XXXX. I called and gave them every form of identity info ( social security number ) and the works.Then they required to fax them my military XXXX paper ( XXXX ) and my military ID card but after all that, they are demanding a " copy '' of my social security card which I refuse to give them, because I am a victim of identity theft through a financial institution, but still demand my SS card and deny me access to my account online as well as refuse to send me paper statements after my request in XX/XX/XXXX. I attempted to close the account so I obtained a balance and paid it off within 48 hours. They acknowledge my payoff payment but refuse to allow me to close the account. There is something going on ( being charged ) after I cut up my card. I am not making any payments after the payoff but the credit report showed a {$10.00} balance in XX/XX/XXXX. I called in and disputed the charge and requested to close the account. Today, the balance is now {$53.00}. I made one last attempt on XXXX XXXX, spoke to XXXX XXXX. He said that his supervisor said " copy of my social security card is needed ''. I then informed him that I will file this complaint.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I apply for a capital one student card. the card was very reliable and i could purchase thing where every need but the only problem was when it came to payment. I was always told to pay on price and it would cover the account and then you would pay that amount and the next customer service rep. would tell you that is not enough to cover the balances on the account. They would harrassed me on the phone about payment. and sound real hostile and it was always some kind of issues with late fees and over the limit fees. They never offered thing right assistance to bring account down. you speak to so many people and they are always losing docuement of you information or what was discussed on phone.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed an account XXXX XXXX ) with Transunion and asked them to delete the account due to improper reporting. I also requested documentation showing details about the XXXX account. Transunion simply responded stating that the debt was valid and never send me any of the documentation I requested. I believe I received an auto-generated response, and no one actually reviewed the explicit instructions I gave in my dispute. 

I would like Transunion to delete the XXXX tradeline from my credit report for their failure to perform a full investigation, followed up with documentation, as per my request. Thank you for your time in investigating this matter.
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (NY)

Approximately a year ago I disputed a collection from Hunter Warfield that was appearing on my credit reports. After the investigation period the item was removed from all credit reports but recently have been reinserted within this past month. I did not receive notice that the account was being added again within the 5 day period or at all for that matter.
Consumer complaint received 2016-07-11
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (MI)

Chase currently claims to be a servicer of a loan in my name on behalf of XXXX XXXX. I have already received a letter from XXXX XXXX that there is no such account. 

Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

Specifically, I am disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor/note holder.
Consumer complaint received 2017-05-11
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: Experian Information Solutions Inc. (GA)

I disputed information on my Experian Credit Report regarding showing  XXXX  different debts for the same account. My account was closed with  XXXX  's in  XXXX   XXXX  and transferred to  XXXX   XXXX . The balance due when closed was  XXXX  Experian has continued to show a past due on the account up to  XXXX   XXXX . Furthermore, I explained that. In a recent dispute I explained that the debt had been settled for {$260.00}. Experian has updated the report to the account as " charged off {$520.00} written off. {$260.00} past due. '' The account with   XXXX   XXXX   as been settled for {$260.00}.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX several times over the last several months disputing the above account for which they are inaccurately reporting to the credit bureaus. I have submitted written letters via USPS and electronic disputes requesting complete validation of the account, debt owed and my responsibility to pay said debt. I have called the customer service line multiple times and when I enter my social security number in the automated system it states the office is closed and I 'm calling during their stated business hours. After the phone disconnects and I call back and wait for a representative without entering my social then someone finally comes on the line after extended wait periods. Before I 'm even able to get the entire reason for my call my call is disconnected. I 've encountered this for almost 2 months now. Finally on XXXX XXXX, 2016 I was able to get the entire reason for my call out and the representative informed me that XXXX XXXX no longer had my account and the only information they have regarding my account is the balance owed of {$530.00}. She gave me the number of the collection agency to contact to pay the debt, XXXX XXXX XXXX XXXX. I contacted XXXX collection agency and spoke to XXXX XXXX who also informed me that they XXXX is a credit reporting agency but do not have access to report to the credit bureau. She stated they purchased the account from XXXX XXXX but only have the amount owed and no information regarding the open/close date of the accounts, any fees incurred, transactions, payments made or the validity of the debt. She stated she could send me a letter with the balance but nothing else. I have made several attempts to get accurate information and validity of this debt. I have disputed with all three CRAs and have requested information to validate this debt. Neither the CRAs or XXXX have provided me with accurate information after multiple disputes. The Credit Reporting Agencies state that they do not require Collectors to submit documents for accounts and even with disputes that they are n't required to have that information to validate debts. I 'm confused how this could be a process as I do n't even know what XXXX is stating I owe {$530.00} for. This situation as you can imagine is causing me XXXX as well as continued denials for additional credit.In all of my previous letters I have asked for an investigation into this matter and a full copy of all accounting documentation of this reported account be furnished to me. I have also made them aware that I was in full dispute over this account. To date, I have not received anything that supports that the account the yet they continue to report incorrect negative information to the credit bureaus. XXXX has failed or refused to send the legally required validation documentation of this account, my obligation to pay and the debt.