davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

For over nine months we were submitting documents to SLS for a loan modification only to be notified by a lawyers office that our home was in pre-foreclosure status. Not understanding how this could have taken place we tried to log into our online account to see if any updates or messages had taken place but could not, due to the fact they had locked us out of our account. Upon calling SLS for information regarding our loan status, we were informed that our loan was in default and if we wanted access this account and our home out of pre-foreclosure then we must pay approximately {$5000.00}. I asked SLS to explain to me how this happened and where did they come up with this requested amount, they refused to answer any of my questions. They also refused to send me any documents pertaining to this account. The only response I got from them was " you received no notifications on the status of your loan or modification status due to the fact you filed Bankruptcy six years ago. ''
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had a bank of america checking, savings and cash rewards credit card. I closed my checking account with them because they took a double payment towards my credit card without my consent and left me without enough funds when I had bills to pay. This was early XX/XX/XXXX. I had in XX/XX/XXXXmoved to Ohio where there are no branches locally for me to visit to get resolution for their systems error that caused the overpayment. It took over a month for them to fix this issue, so I opened a XXXX XXXX Checking account in the town I live in now, in Ohio. My credit card with them stayed open for a while but Fraud happened on the card and I didn't realize it because I hadn't been using the card and I had a zero balance the last I used it. When I discovered the fraud I disputed it and money was owed back to me because my account was overpaid. It was shown that I had a negative balance on the card and interested and late fees accrued were removed. I resolved this issue and during the time the account was defrauded Bank of America closed my credit card account. The fraud department assured me that they would reopen the account after the investigated was completed but it never happened. My account remained closed and I had called in to see why and get this issue resolved. 
First, I spoke to XXXX in Texas, in customer service, he transferred me to Fraud dept and XXXX Spoke with me and said I had to call back on Monday the XX/XX/XXXX because the people I needed to speak to get my account re-opened were not there on weekends. Existing Fraud Claims Dept will need to be contacted by their Fraud and Authorization, is what he told me. XXXX felt that they will reopen the account for me, especially due to the circumstances surrounding the closing of my account, that should not have been closed in the first place. I spoke to their manager XXXX XXXX and he said he submitted for my account to be reopened. He said he would call me back by last Thursday, XX/XX/XXXX, to let me know the status of the request. He called me back and told me that Bank of America wouldn't open my account again and he apologized to me and offered no additional help. I then asked to speak to one of his superiors and he was unable to put me in touch with one but said that one would call me back in the next 2 to 3 business days. That is unacceptable to me because I can not guarantee that I can be available at all times to answer a call as I work full time and he had his supervisor available then but their policy doesn't allow for one to speak to a client immediately. I have been mishandled and mistreated by bank of America and I am very frustrated.
Consumer complaint received 2018-03-05
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. (IL)

I have disputed two accounts ( XXXX XXXX and XXXX XXXX ) a few times and Experian has always came back with " verified '' and never sent documents proving their findings. Also, both accounts have been paid off and according to Experian.com, both accounts are still showing " Failed to Pay ''.
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Financial for 5 years charged me almost a combine {$9000.00} in credit card insurance fees. After I figure the issue out they I approached the bank and they returned the money without interest. However, Synchrony Financial removed money from my payments over a 5 year period. Money that should have gone to paying off the principle of my debt. By doing this SF profited off of the misappropriation of my payments somewhere in the amount of {$6000.00}. So while SF was holding money that belonged to me they were simultaneously charged me interest. When I approached Synchrony Financial regarding this issue they paid off the remaining balance of the credit card of XXXX. Then after all that they sent me a XXXX Cancellation of Debt. Never, not once was there any mention of discharge of my debt rather that SF would return a small portion of the money they essentially stole from me by paying the remaining balance of my card. 

I have all the calculation when you are ready to see them..
Consumer complaint received 2018-03-04
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. (MO)

On Saturday XX/XX/2018, I received post card stating Transunion, XXXX and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX XXXX XXXX
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Never authorized these inquiries ever!
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I had a credit card with XXXX XXXX XXXX. I consolidated all of my debt into a debt program. They would not agree to the terms set forth and after sending a few months of payments that did nothing to bring down the amount owed, I did not pay them anymore. I spoke to them at one point after the amount due reached {$750.00} on a {$300.00} credit card. They would not come down on the amount and I would not pay for a card that I only spent {$300.00} of. Now I am getting letters from attornies stating I am about to be sued by XXXX XXXX who I am learning is collecting for them.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XXXX XXXX and XX/XX/XXXX I wrote checks for {$750.00} each day to XXXX XXXX, a company I contracted to do work on my home. The checks were cashed on the day they were written and were posted to my checking account on those days. 
On XX/XX/XXXX Wells Fargo posted those two checks to my account and took the funds from that account. 
In XX/XX/XXXX I contacted Wells Fargo concerning this and they " provisionally '' returned the funds to my account while they investigate. 
I have attached bank statements showing the same two checks cashed on two different occasions.
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I purchased a XXXX XXXX XXXX online through XXXX on XX/XX/XXXX.  However, I changed my decision about this purchase shortly, and contacted the XXXX customer service via phone requesting them to cancel this order. They, however, were not able to cancel the order, since it was already being processed, and assured me that I can simply return it online once the item arrives. As soon as the item arrived on XX/XX/XXXX, a return request was initiated through XXXX online return center, since it was no longer needed/wanted. However, on XX/XX/XXXX, I received an email from XXXX that my return request has been cancelled, due to a return policy violation ( which they did not disclose ), and that they reserve the right to deny any return, even though the item was still factory sealed, and according to the XX/XX/XXXX return policy, I have 14 days to return the merchandise for a full refund from the date it was purchased, and my return request was still within that window. Please see attached, all the email communications between me and XX/XX/XXXX, as well as the XX/XX/XXXX full return policy. 
On XX/XX/XXXX, after multiple unsuccessful tries to resolve the issue through XX/XX/XXXX customer service, I requested Bank of America to start the dispute process on the {$3500.00} charge that was posted on my Visa credit card ending in XXXX on XX/XX/XXXX from XXXX XXXX. I also provided them with the full explanation as to why I was disputing the charge, as well as all the documentations/emails that I had from XXXX. On XX/XX/XXXX, however, I received a claim denied later from them saying that they are not willing to issue a charge back and pursue the dispute, since the item has not been returned to the merchant, which is exactly the main reason I was disputing the charge in the first place since XXXX was not willing to stand by their own return policy, send me a return shipping label, and issue me a refund. On XX/XX/XXXX, I contacted Bank of America via phone after receiving the letter, providing clear explanation for a second time as to why I was disputing the charge. However, the agent on the phone told me that they can not issue a charge back and continue with the dispute, since there is no billing error and the merchandise is still in my possession ( even though this is XXXX fault for canceling my return request and not sending me a return shipping label ).
Consumer complaint received 2018-03-04
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. (TN)

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of FTCA I have also asked that my inaccurate information be corrected and has failed to do so Please help me.
Consumer complaint received 2018-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

As of XX/XX/18 I owed {$510.00} to Portfolio Recovery Associates who had sent the account to their outside law firm of XXXX XXXX XXXX. 
I called XXXX XXXX XXXX on XX/XX/18 and settled the debt for {$370.00}. 
The same day the {$370.00} was debited from my checking account. On or about XX/XX/2018 I received the paid in full letter from XXXX XXXX XXXX based on receipt of the {$370.00}. 
I have attempted to contact Portfolio multiple times vis phone to confirm the account the account is in fact closed and paid. They refuse to discuss account saying it is still under control of XXXX XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/18 to confirm account closed and they say per their records its closed. They told me to call Portfolio. 
Per my credit report pulled earlier this week the {$370.00} has been credited to the account but the settled amount to be written off per XXXX of {$130.00} is still on the account and the account still shows as open despite XXXX 's statement that it has been paid in full and closed.
Consumer complaint received 2018-03-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EMG ACQUISITION GROUP, LLC (LA)

I obtained a loan in the amount of {$320.00} from XXXX XXXX XXXX at XXXX XXXX, LA. I called on Friday XX/XX/2018 inquiring of repayment options. I appeared before them at approximately XXXX XXXX the following day to submit the partial payment for the " buy-down '' option and I was told that for that option, they would only accept cash although this was not told to me previously and for the loan I had originally received a cheque anyhow. The procedure was misrepresented by-phone. Incidentally, since I was on my lunch break, I left because I had to return to work. I checked my account balance via ATM on Mon-Tues the following week and assumed that XXXX XXXX had obtained their money. 
I began receiving phone calls. The phone calls persisted for several days. Each time I received a call, they hung up. I deem the " calling-and-hanging-up '' behaviour as harassment. I have not received any other type of communication to-date. While FDCPA does not provide an exact number of phone calls to be considered, it is common sense that calling and hanging up repeatedly, sometimes before anyone can answer the phone is undoubtedly harassment. Under that premise, my consumer rights are being violated under FDCPA, which hold that a creditor may not behave abusively in an effort to collect a debt.
Consumer complaint received 2018-03-03
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: Experian Information Solutions Inc. (NV)

My credit report shows that I am an owner of a XXXX XXXX account which has been delinquent and now charged off. This is not my account and has nothing to do with me. This is my sons account. My son is XXXX years old and I am not responsible for his debts in any way. 

I wrote to the owner of the account, XXXX XXXX, in XX/XX/2016 and told them I was not a co signer on this account and they wrote back and said they had no proof that I had ever opened an account with them. 

According to the Fair Credit Reporting Act, if the company can not present proof that I opened an account they must change their negative records and take me off the account. 

This mistake is hurting my good credit report and I need it changed asap.
Consumer complaint received 2018-05-16
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. (TX)

I am a victim of Identity theft. Someone used my information to open an account with XXXX XXXX XXXX. I was alerted to an inquiry by Experian on XX/XX/XXXX after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXX I recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX. Including one from XX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX  XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/XXXX Received notification from Experian that they verified the account as mine and the dispute is closed. 

XX/XX/XXXX XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXX Was transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I was a member with American Express Gold rewards premier card for the last 2 years and today I was told through a chat conversation that my Card can be upgraded to American Express 'Platinum ' card and with an additional bonus of XXXX points for {$5000.00} in 90 days ( If i spend ). When i called back after 24 hours to confirm the offer, the completely denied the claim and said they need to do an investigation. I said to pull up the chat conversation and they said their system is temporarily unavailable and call back in another 2 days. They said the investigation take around 6-8 week.s I feel like this is totally unfair to me and American express should honor what they offered.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have attached a credit report with the items.CAPITAL ONE BANK USA NA # XXXX and CAPITAL CAPITAL ONE BANK USA NA # XXXX These items has been paid off from collections and have yet been removed from my credit report after agreed that it would be removed after the collections was paid off. When I last spoke to Capital One XXXX of XXXX to be removed after the debt was settled. Capital One failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-03-04
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. (KY)

XXXX XXXX In partnership with XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within XXXX days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays Bankruptcy Reported on XX/XX/XXXX Dispute Reason Accuracy : This public record contains multiple inaccuracies, please verify accuracy of all data.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently check my credit report and there was erroneous and fraudulent accounts and addresses on my credit report. The XXXX  of XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX. I filed a police report and a report with identitytheft.gov