davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH XXXX XXXX.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2018 a {$400.00} withdrawal was made from my checking account from an ATM in XXXX XXXX, WA. On XX/XX/XXXX I saw the withdrawal while reconciling. I did not make this withdrawal, so I called Bank of America and cancelled the debit card, reported the fraud, filed a claim, and a credit was issued. Claim number : XXXX. In XXXX the credit was reversed and a " claim denied '' message sent with no details. I called Bank of America to ask why the claim was denied and was told no information is available beyond the town ( XXXX XXXX, Wa ), the name " XXXX  '' ( which means nothing to me ) and the date. I went into the XXXX WA branch office to speak to a representative and was told that no one in the office could help me. In fact that because it was fraud related, nobody could even talk to me about it. I needed to call of fax the fraud department. I called back and re-opened the complaint. I asked for 1 ) the time of the transaction, 2 ) the location of the ATM and 3 ) the reason the claim was denied. Roughly 1 month later I received another claim denied message with no information. I called the fraud tel # again. This time I was given a reason : my card has a chip so I must have used it myself or given the card to someone. They still could still not give me an ATM location or transaction time. I can prove I was not near XXXX XXXX on that date so I re-opened the claim. It's now XXXX and I have not received a response. From my perspective, {$400.00} was taken out of my account and Bank of America is refusing to provide the necessary information so I can pursue it.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received an offer from Fifth Third Bank to open a checking account, make a deposit of {$1000.00}, maintain a {$1000.00} balance for 60 days and in a reward bonus, I 'd receive {$200.00}. 

I opened the checking account at the XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX with a deposit of {$1500.00}. That met the first criteria of meeting the {$1000.00} deposit threshold. 

I have maintained the {$1500.00} average balance from opening date of account ( XXXX XXXX, XXXX ) until today ( XXXX XXXX, XXXX ). This meets the final criteria of maintaining a {$1000.00} balance for 60 days ... .as I 've maintained {$1500.00} for 103 days. 

I opened the account with XXXX XXXX, Vice President, Financial Center XXXX XXXX and she assured me at account opening that she 'd handle my bonus. 

I stopped into the XXXX XXXX XXXX on XXXX XXXX, XXXX to inquire about my bonus and spoke with XXXX XXXX, Personal Banker II and he agreed that I met all requirements and that my bonus should hit within the next week. 

Seeing no bonus, I stopped again into the XXXX XXXX XXXX on XXXX XXXX, XXXX and again spoke with XXXX XXXX. He remembered me, mentioned that only XXXX could actually do the bonus and that she 'd been away on vacation, but he made a note in the system for XXXX to follow-up on XXXX XXXX, XXXX ... her first day back into the office. 

On XXXX XXXX, XXXX, XXXX XXXX sent me an email saying that he spoke with XXXX and that she 'd be reaching out to me soon. 

Fifth Third Bank owes me my {$200.00} reward.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

On the month of XXXX, a collection agency IC systems started reporting an open credit of {$290.00} from XXXX XXXX XXXX. This company has come out of nowhere and damaged my report for a service I havent had in years. Also, back in 2015 I paid XXXX XXXX off in full. Its been almost 3 years since I had service with XXXX XXXX and when I did have service they were paid in FULL. I return all equipment back to them the year of XX/XX/2015. All of my debt has been settled with this company years ago. I have never had an account with IC systems ever and they are damaging my credit. Also, this company is false reporting things to XXXX. This account does not show on any other credit bureau but XXXX   because it is false. I called this company multiple times between XXXX and XXXX, and spoke with representatives but no one can tell me why this account appeared. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities and my current job with the city. Its also making my credit score lower as well which it hard for me to finance a new home and other things. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company. I will be contacting a lawyer to help me with this issue if its not settled.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

FIRST, I NEVER REQUESTED ANY LOSS MITIGATION ASSISTANCE ... ..I CONSISTENTLY AND SPECIFICALLY TOLD YOUR COMPANY TO STOP TRYING TO PUSH LOSS MITIGATION OR ANY ASSISTANCE ON ME OR MY ACCOUNT SO AGAIN DO NOT ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM. ANY ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM OR TO IMPLY THAT I REQUESTED ANY IS ILLEGALLY DOCUMENTED. 
Second, You have not addressed the high interest rate OR the correction of over {$1000.00} to my account due to your company CORRECTING ERRORS ... .. BUT MY MONTHLY BILL INCREASES. 
Third, Your company paid my taxes prematurely which cause all kinds of issues with my taxes although I showed AND told you that I have consistently paid my taxes to date with out any issues. The credit on my taxes is due to your error and now you want to me to " prove '' your error ... .. 
You sent notices to my tax department, with out permission ; so with the same correspondence you can contact them to view the credit on my account. I can not represent your errors. 
Sincerely, XXXX XXXX, XXXX/XXXX  Retired
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : AMERICAN CREDIT ACCE Account Number : XXXX XXXX Date : XX/XX/2017 Amount : {$17000.00}
Consumer complaint received 2018-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX XXXX and that in incorrect.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity was stolen in 2012. One of the address 's is listed as mine on the credit report along with three phone numbers and a spelling of my name that I don't recognize. I would like the address, name, and phone numbers removed from the report. Criminal charges where filed they where found to be guilty and are serving out sentence.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

MY NAME IS XXXX XXXX I AM ON TITLE AND MORTGAGE BUT NOT ON NOTE BUT RECEIVED A RIGHT TO CURE NOTICE WITH MY NAME AND BORROWER XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX  MA XXXX   carringtomn mortgage in violation of MGL 244 35 .right to cure received was only 90 day should gave been 150 day.carrington mortgage did not fullfill all guidlines ounder mgl 244
Consumer complaint received 2018-11-14
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. (IL)

After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

NATIONAL CREDIT SYST XXXX {$3000.00} XX/XX/2017
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TX)

, I just discovered even after disputing with the credit bureaus, there is still an inquiry from your company being reported improperly. I am not sure of the origin of the inquiry This is why I would like validation of the inquiry to verify their accuracy. I need to examine the statements that show how the inquiry accumulated and the original signed contracts or applications giving the original creditor permission to pull my report. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent inquiry, however ; it is a possibility. I need to look through these documents to determine if the inquiry is the result of unauthorized use.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I opened a credit card through XXXXXXXX XXXX in XX/XX/XXXX that was originally through a credit union. In the XX/XX/XXXX, that credit was sold to XXXX XXXX. In XX/XX/XXXX, I received a letter that the check with payment that was sent had the wrong account number on it and a late fee had been charged to my account. I thought I may have typed the wrong account number in when I provided the information to my personal bank ( I pay bills through my account and they sent checks on my behalf. ) So next time, I looked at the statement from XXXX and made sure the account number I was providing was correct. I received these letters each month XXXX-XXXX, but unfortunately, was dealing with other personal things and had not called them to get this resolved. I took a look at the image voided checks and noticed that the account number that the bank prints did look like it was cut off where it's printed at the top ( leaving off the last 4 numbers of the account ) but there is a complete number in the memo line, which must have been ignored by whoever was processing my payments at XXXX. I called and spoke with someone in customer service at XXXX in early XX/XX/XXXX about getting these fees ( and subsequent interest that was charged on the fees ) removed from my account, as the correct account number was on the checks I provided and the fact that the person at XXXX didn't look closely at the check when it was receive isn't my fault. She said she would submit a request and I should see what will be refunded on my next statement. I look at my next statement in early XXXX and saw nothing about this. In XX/XX/XXXX, I received a letter from XXXX ( dated XX/XX/XXXX ) saying " you asked about a late fee that was applied to your XXXXXXXX XXXX credit card account. A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fees from you account. '' All of my payments were scheduled with my bank to be received by XXXX BEFORE the due date of the payment. The only reason these payments were " late '' was because they are claiming I didn't provide a valid account number ( of which I have proof that I did ) and they weren't able to apply the payment to my account on time. I have nearly {$400.00} in late fees/interest charges on late fees that was incurred simply because the recipient of the check didn't look at the memo line.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NM)

If the XXXX forces big financial institutions to be more transparent and accountable so investors have a greater say in company issues, and if they strengthened enforcement of existing laws and eliminated loopholes that allowed risky and detrimental behavior.Than why is Experian getting away with what they have done to my credit report. I have been checking it daily since XX/XX/XXXX because I'm finally at a place in my life where I can start working and fixing on my credit I been noticing some very risky behavior that is not transparent whatsoever it's obvious and I saved it so I can show you exactly what I mean by risky behavior because these little changes to my credit report it started with invalid information on XX/XX/XXXX so began a dispute so on XX/XX/XXXX it was changed to more recent accurate and valid information so I figured well they updated it and that's great because that's more accurate then I go back on the old reports to compare the differences to the new fixes on my report to the old report which was horrible and on the old report it shows valid information as well with the date of XXXX when I pulled my first credit report from the year also on that report it showed nothing of any differences which was kinda confusing to me but I just left it at that. Now what I have a problem with now is I checked it again yesterday and everything was back to how it was at the beginning horrible innacurate again and of course that has to make me look bad because it's innacurate they have payments and statuses filled in unknown and dates wrong again and just basically Making me look bad I pull the old reports again as well and it's back to the horrible report again this to me is not risky behavior but it's causing tremendous damage to my credit and I want something done about this immediately Experian is the only credit reporting agency out of the three that is doing this to me and the way they subtitle the dispute information before I start a dispute with them is expressed with very derogatory statements for example. you can dispute this account but more than likely it's not gon na change and basically what they are saying if I dispute the account information they have on my credit report it's just a waste of time because nothing is gon na change. That to me is very unprofessional it probably makes people like me who pay attention to stuff like that think they don't have a fair chance I have screenshots I saved of the differences from XX/XX/XXXX until yesterday of the what I believe intentional changes of the information on my credit report that has obviously harmed my credit
Consumer complaint received 2018-01-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Medical Management, Inc. (NJ)

I called so many times ( since they refused to identify themselves when answering the phone nor wanted to spell their name for me ) employees are highly unprofessional, using extremely offensive language. 
I was given the number by hospital billing after I discovered on my credit report that some medical bill was still in hospital system. This is a scamming company. They report information to the credit bureau without contacting the person. After many attempts and MILLION of phone calls with scary techniques, i got scared and i provided my debit card information, they took around {$500.00} from my bank account with the promise to sent by mail a report to which i never received and when i tried to contact them NO ONE GIVES AN EXPLANATION or legitimate answer. 

The kind of unprofessional behavior is highly suspicious and i was a victim of their techniques to scare people over the phone.
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Endpoint Resolution Services (ERS) (NH)

On XXXX complaint XXXX I filed a complaint with the cfpb about endpoint how they called and spoke to my brother and daughter. In their response dated XXXX the same response they gave the bbb they would stop trying to contact with me. NOT only have they not stopped they are now contacting my ex wife on her house phone and her husband on his work phone. I have been divorced for 26 years. I will be filing a lawsuit if this does not stopped. They put in writing they would stop and they have not! They are in violation of the FDCPA.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

I currently hold a bluebird card through American Express, and this is the third time this month that I have had issues accessing my money. There has been zero help trying to assist me with the problem. The first two were issues on their end, this last issue they are claiming that XXXX is having issues with their system and there's nothing that they can do to give me back my money now. I was rudely told to contact XXXX and basically hung up on once I asked to speak to a supervisor. Contacted XXXX they have instructed me to contact my credit card .... Here 's a brief summary of what I've been charged. I made a {$160.00} purchase on XXXX that cleared. On XX/XX/XXXX I again was charged XXXX that also cleared, then another transaction of XXXX on XX/XX/XXXX says merchant hold for review. Then on XX/XX/XXXX another XXXX purchase was placed on my account, putting the account into an negative balance. No one at Amex seems to want to help me.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX  XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.