davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We have had the XXXX XXXX XXXX through Bank of America for the past 14 years. We thought this program was protecting all of our listed cards from fraud and identity theft. We resently had serveral fraudulant charges on our checking account also with Bank of America and were not notified in any way. I had to notify the bank of the fraud. When speaking to a BofA rep from their fraud department, I was informed I did not need this service as my account was automatically protected. 

Two years prior, I tried to cancel this service and was pressured not to cancel as I needed this type of service and protection. 

I feel that this is a bogus service that I have paid XXXX per month for the past 14 years and only recently realized this service does not do anything I expected or thought I signed on for. I expressed these concerns to BofA and was allowed to cancel, today, but no apologies, concerns or help on getting any amount refunded. 

I am thankful that I caught the misuse on my account before it was completely drained.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Fraudulent accounts are being reported on my credit report and I would like them removed I have disputed these accounts previously they are against the consumer laws reporting inaccurate information to my credit report The Fair Credit Reporting Act ( FCRA ) protects consumers from fraudulent accounts on their credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU)

I looked at my credit report on XX/XX/2024, and i noticed some things are both incomplete and inaccurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. these accounts ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX  Collections : account number # XXXXXXXX XXXX XXXX XXXX XXXX , on Transunion it states Opened XXXX on XXXX it states Opened XXXX ) ( XXXX still says collection account still open. ) The opened dates are not reporting correctly, these accounts are not accurate. all XXXX credit bureaus have diffferent reported information and dates.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MI)

JPMORGAN Chase refuses to conduct themselves according to federal regulation with respect to unauthorized/Fraud charges and have replied these charges to my account. 
On XXXX/XXXX/2016 I went online to pay my Chase C.C bill ( due on XX/XX/XXXX ). Noticed numerous unauthorized charges, could not locate my card. I called Chase reported and disputed these charges totaling around {$7000.00}. Chase removed them and conducted their investigation. XX/XX/XXXX billing cycle passed without news, XX/XX/XXXX billing cycle passed ( two complete billing cycles ) without news. On XXXX XXXX, the charges were placed back on my account. My balance prior to these charges was around {$4500.00}, now it is {$12000.00}. Further, Chase has decided to report that amount to the credit bureaus. I made several calls without resolution or an explanation. Therefore, in XX/XX/XXXX I requested the COMPLETE investigation file and all information Chase investigators used to come to their conclusion, but Chase refused to provide that file. Therefore, I sent Chase another request on XX/XX/2016 for the Complete file. 30 days passed and still no file. I made several more calls and finally received the file on XXXX XXXX, 2016, well pass the time allowed. Additionally, the file provided contains only receipts with numerous different signatures that do NOT match mine, and delivery information from XXXX confirming no signature was obtained. However, Chase and fraud investigator XXXX XXXX, continue to ignore federal policy. As of today XXXX XXXX, all charges continue to be on my account, I have filed disputes with the credit bureaus and Chase has verified the balance of {$12000.00} as accurate. I will be filing a lawsuit on XXXX XXXX.
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Richard Sokoloff, Attorney At Law (NY)

I filed for divorce in XXXX XXXX. My ex has not lived with me and my son since XXXX XXXX and has since been living with her boyfriend. Apparently she had XXXX in and around XXXX XXXX and decided to keep the insurance checks instead of signing them over to the doctor. Please keep in mind that the health ins policy was in her name, through her job, and that she was the patient. In XXXX XXXX I received a collection letter to my home from am Attorney Richard Sokoloff. I have a recorded conversation where I explained that I have nothing to do with this debt and to remove me and I provided them with her address. I have sent several letters both regular mail and certified asking for them to prove this debt or remove me and I still have no response.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I submitted a letter from a previous landlord to all three credit bureas for removal. XXXX and XXXX removed the judgement from my credit report. Equifax refuses to remove it with the same documentation that was submitted. The judgement is five years old. I spoke with XXXX XXXX XXXX sessions court on XXXX/XXXX/2016 to see if they provide a letter that states something is VACATED and they stated that this was the only letter that they provide to anyone, which states please satisfy on credit report. Equifax wants a letter that is stating the word VACATED, XXXX XXXX court says the letter they give to anyone will never say VACATED and they do n't know why they are trying to keep it. Yes I understand the credit bureaus rules and regulations. But, what I do n't understand is why XXXX and XXXX removed it completely from my credit report with the same letter and Equifax WILL NOT. I have went through all the proper procedures to have this removed from Equifax and again no problems with XXXX or XXXX. Attached is the official document from the XXXX XXXX XXXX XXXX Court. I would just like for Equifax to comply as XXXX and XXXX did. If all XXXX credit bureaus are under the same fair credit reporting act rules why would XXXX and XXXX remove it with no problems and Equifax try and hold on to it. This is five years old. Please help resolve this matter. You may verify this letter with the XXXX XXXX XXXX all information is valid. Thanks in advance and Have a Great Day. 

XXXX
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

During the final weeks of closing, Bank of America provided poor service that made us almost lose our closing / home. We received a closing disclosure letter contacting Bank of America if there was something significantly different that what was promised. No contact was required unless there is an issue with the loan costs. 

A day later, we received a call from the builder / Bank of America that our closing would be delayed as we did not contact BoA to tell them we received the closing disclosure. No document said we needed to contact BoA but we were told " new Frank Dodd requirement. '' I said we did not have any language about this requirement and was told it was our responsibility. 

In addition, the letter was incorrect in that it did not have required Georgia disclosures ( i.e. wiring of funds ). 

The writing of the disclosure document is incorrect.
Consumer complaint received 2016-06-30
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

Chase savings account was linked to debit card. Multiple ATM transactions occurred during XX/XX/XXXX and XX/XX/XXXX on my account at the corner bank. The investigation team said the transactions were correct as the debit card had a chip, however, it was not me. I have proof I was working during each transaction. I asked to see the footage so I can go forward with the investigation and prosecute whoever has done this to me. I was denied to this information. I have been with Chase for approx for 9 years and never has there been a history in my checking or savings account of constant ATM withdrawals. I can not understand how they failed to protect me. I received the notice a day prior to them withdrawing the funds from my account and I withdrew the funds until this cleared. Its not fair to be swindled from the crook who did the atm withdrawals and now have the bank as well to withdraw funds from the account due to a shallow investigation.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I surrendered my home at XXXX XXXX XXXX in XXXX XXXX Illinois to XXXX Portfolio Services on XXXX XXXX, 2015 per their Deed in Lieu protocol. 
I eventually received my relocation assistance XX/XX/XXXX after numerous phone calls in which I was given false or no information. 
As a result of this unnecessary vacating the property ( it is still empty 10 months later ) I was forced to spend on HOA payments ( they are seeking over {$2000.00} from me ), duplicate utilities and expense of physically relocating I find myself in financial hardship once again. 

I could still be living there with my assistance in tact had SPS not forced me out and caused me to deplete those funds.
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I need assistance with two issues. In XXXX 2016, while in Chapter XXXX Bankruptcy. I signed an agreement with Caliber Home Loans to do a 3 month trial loan modification. As of XXXX XXXX, 2016, I 've been in a 90 trial loan modification and keep receiving calls and literature from real estate agents because my home appears to still be listed in Foreclosure status. 

Also, my mortgage was FHA Fixed. Somewhere over the past few years itt was switched to a Conventional. But I 'm not sure if it 's fixed or adjustable?
Consumer complaint received 2016-06-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (CA)

I am a co-signer on my son 's student loan. During the consolidation process Well Fargo advised us not to make a payment, and that a late fee would be assessed. After the loan was consolidated, I called to have the late fee reversed it was not. The inclusion of the late fee caused the principal balance and the minimum payment to be greater than it otherwise would have been. I have been repeatedly promised that the error would be corrected. It has not, the inclusion of the late fee causes all future payments to be incorrect as well. In addition, there is no way to set up automatic payments, or access account information without my son 's permission even though I am a co-signer on the loan.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have disputed this account on many occasions. Finally, i had enough and asked since XXXX XXXX continues to report this account please send me a signed " agreement between me and XXXX XXXX XXXX. I finally received the document and here is what i found. The original account # with XXXX ( original creditor ) shows XXXX while XXXX XXXX shows for original creditor # XXXX. No initials on this " payment agreement ''. Signature does n't even match signature on my license. Balance even shows XXXX but shows different amount on credit report. I want this account removed immediately from all credit reporting agencies. i have included copies on all supporting docs.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express offered a XXXX card and required {$2000.00} spend in the first 3 months to receive XXXX bonus points. This bonus reward was confirmed by an associate and during that chat I specifically asked how much needs to be spent to receive the bonus points. He gave me a number and I spent enough to get the bonus. I waited for an extended period of time but no bonus was credited. When I contacted customer service they said {$3000.00} was required and I am not entitled to the bonus. I described the conversation with the first associate and they reviewed the transcript but no action was taken. I contacted customer service 3 more times but they only respond by saying it still being escalated. All this after the 2nd associate said it would be resolved within one week. Here we are 2 months later and it is still being investigated. I do not believe anything is being done internally and I am looking for outside assistance to persuade them to honor their commitment.
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (AR)

I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I had insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to COMMONWEALTH FINANCIAL, so why are they both contacting me. And XXXX XXXX XXXX is continuing to attempt collections on dates of service that matches XXXX XXXX along with identical monetary claims. I 've been told by XXXX XXXX XXXX If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an emergency room visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (NJ)

Today I received an email-the first one I have ever gotten from FedLoan-stating that I owed nearly {$500.00} on XXXX, XXXX, this upcoming Monday. I logged into an account created with my social and it showed that I had a XXXX balance. I then called their help line who informed me that the loan was in my mothers name. From there I was told all of the bills had been going straight to her account, but oh wait! She never created an account so she should do that in order to view the bills they have been sending and check the balance. After following their online sing up instructions, my mother received an error stating that she was banned from online access. I have no way of finding out what this balance is, let alone where and when it is from because no one at FedLoans will give me any answers. I can not even make a payment, something that I will not do until I receive the documentation of what it is, because we can not even create an account. I have been attempting to receive answers all day but, their customer service is little more than " make the payment and then we 'll figure it out ''.
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KeyBridge Medical Revenue Management (OH)

Recently while conducting a monitor of my credit report I discovered that Key Bridge Medical Revunue has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Key Bridge Medical Revenue but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Key Bridge Medical Revenue to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that Key Bridge Medical Revenue is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC (OH)

Premium Asset Services is violating the Fair Debt Collections Practices Act ( FDCPA ) in communications with me and depriving me of my legal rights under the FDCPA. 

On XX/XX/2016, a message on my answering machine requested me to call a " XXXX XXXX '' at a call-back number. A search of the number found it is Premium Asset Services, a debt collector. 

On XX/XX/2016, I answered the phone and was connected to a belligerent man who stated an alleged unpaid debt and began prodding me to acknowledge it. I did not. He said it can be determined in " discovery. '' I stated that Premium Asset Services is a debt collector and requested that he mail me a collection letter ( written notification ). He insisted they are not a debt collector, but rather a " law office '' or " law firm. '' He refused to send me written notification and said he does not have to do so. He accused me of some sort of legal violations and said I " better get an attorney. '' He said " we only give it 72 hours. '' I said, " I believe you are a scammer. '' He then hung up. 

Since then, numerous messages have been left on my answering machine demanding I call Premium Asset Services, PAS, or a " XXXX XXXX. '' Some have implied that the matter concerns my residence and/or have implied that legal action is pending against me. In addition, the phone has rung multiple times during weekdays without messages being left. 

I submit that Premium Asset Services has violated the FDCPA as follows : 1. In all calls received from Premium Asset Services, failure to state that the call is from a debt collector and that the purpose of the call is to collect a debt. 

2. Misrepresentation of Premium Asset Services as a law office/law firm. 

3. Refusal to send me written notification of the alleged debt. The FDCPA requires debt collectors to provide written notification within five days of first contact. The XX/XX/XXXX call was the first contact. 

4. Implied threats of legal action. 

5. Deceit : Implying that the matter pertains to my residence. 

6. Causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2016-12-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OH)

XX/XX/2015 I filed a XXXX complaint against XXXX XXXX ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice XX/XX/XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( XX/XX/XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint XX/XX/XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point XXXX XXXX has caused so many problems with my service connected anxiety and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (SC)

I had a credit card with TD Bank, and set it up with autopay. I had the autopay removed so I could control my bill paying better. I was informed that the autopay had in fact been removed. In XXXX, I remitted the amount for my monthly statement. The same day TD bank took, the monthly statement amount, plus the amount for all current charges, which totaled XXXX. I contacted them, and they verified that the error was theirs, and that a refund would be issued with 5 to 10 business days. After phone calls on XXXX XXXX, and XXXX XXXX, I got the same response. As of XXXX XXXX, I do not have the XXXX refund, which they said would be another 5 to 10 business days. I want my money ... ... ...