davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MA)

American Express will not let me add an external bank account to my online savings account for transfers online. I submitted the required paper documentation to add one, and never heard back. After calling I was told I didnt submit the required documentation, but I did. I was told to call their fraud department which didnt answer the phone. I left a voicemail two days ago and havent heard back. Called again yesterday and went to voicemail again.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (CA)

I was on a trip out of XXXX XXXX area by XXXX miles and my card was blocked when I purchased gas. When I called I was told it was due to possible fraud. I was told I would need a new card which of course could n't be sent to me there-XXXX XXXX. So I had to figure out other ways to pay for items on my trip with difficulty. My new card was supposed to be at my home on return. It arrived 5 days after that instead. When I talked to them ( US Bank ) they told me I would need to tell them of travel plans including the dates of travel and the state. This is none of their business and I believe puts my personal security at risk especially my home.
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (NM)

This complaint is in relation to Planet Home Lending Mortgage Company. I have been charged additional fees up and above my regular mortgage payment for the XXXX time this year. I went through a loan modification XX/XX/XXXX and it is currently XX/XX/XXXX and I continuously am being charged fees. I have called Planet Home Lending customer service and they ca n't give me a straight answer. XX/XX/XXXX they charged me a fee of {$34.00}. Their explanation was that it was in regard to my loan modification and was a fee that was not paid. I reluctantly paid. Then XX/XX/XXXX I was charged a fee of {$51.00}. When I called to inquire, they were not sure what the fee was for and they credited my account, but left a fee of {$3.00} which again I paid. XX/XX/XXXX they again charged me another fee of {$46.00}. Again after speaking to them, they corrected the fee. Now, I received my XX/XX/XXXX statement and another fee for {$17.00} has been charged to me. I am very frustrated with these fees almost every month. I called and inquired about this fee and they said it was a fee for a XXXX drive by '' that was conducted during my loan modification process XX/XX/XXXX. A year and a half later and they are charging me for someone to drive by my home to check if it is occupied. I am tired of taking time to inquire about these extra charges for all these months. I feel I am being penalized for obtaining a loan modification and they continuously are finding some kind of fee to charge me above the regular mortgage payment. Is there anyone that can look into this company? Maybe conduct an audit and check if this is happening to other customers. I received a loan modification in order to afford my monthly mortgage, but the fees they keep assessing is not helping me what so ever.
Consumer complaint received 2015-10-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

My issue is with the Macy 's American Express Card, which I believe is now managed by Citibank. I have a problem with the account but can not reach anyone in their customer service via their published contact information. There is no choice to reach a CSR and all the options just go to another menu then another and another and you never reach a person. I even selected Report Card Lost or Stolen and it went to another menu with no live person. The problem with my account is they are reporting incorrect balance information so I am worried of fraudulent charges or some other issue as my balance is less than credit line but they report XXXX credit available. I have sent via their email contact XXXX messages on XXXX and not XXXX response from their customer service. Sent another message on XXXX and again no response. I am real close to taking legal action as my next step but thought this avenue needed to be done to address their lack of contact option and no response to my issues with my account.
Consumer complaint received 2015-11-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (FL)

I have a money market account with an online bank called AmTrust Direct ( part of New York Community Bank ), and I would like to close it. I wrote the bank XX/XX/XXXX asking them to close the account and send me the balance. I have heard nothing. I called them on XX/XX/2015 and spoke to someone named XXXX who said he could see that the bank had received my letter on XX/XX/2015, but the account had not been closed. He said he entered a request into their system to the online banking department to determine the status of my account closure request. He took my mobile phone number and said the online banking department would call me. I have heard nothing further from the bank and have not received a check for the balance of my account.
Consumer complaint received 2015-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Toyota Financial Service as aggressive and sneaky collection practices. The dial your phone utilizing numbers with area codes from XXXX, XXXX ( XXXX ) to various California numbers. Today, XXXX/XXXX/15, I was working from home and answered my phone since I though it was a relative calling from the XXXX area code only to find out that it was Toyota calling about my late monthly payment due. I informed the TFS representative that I was in the middle of a work call and would need to call back later to set up payment for later this week. The TFS rep stated she could not hang up since I knowingly answered my phone during my work time. I asked why and she was silent. Then I said : is this so you can document that I hung up on the call without setting up a payment today? The TFS rep said verbatim : " Exactly ''. I then demanded to speak with to her supervisor since this was rude and unaccommodating behavior since I clearly stated my intent to call back at a later time tonight or tomorrow to set up a payment. The supervisor, XXXX/ID # XXXX, reiterated their collection tactic and was continually aggressive about setting up a quick payment now. I begrudgingly set up the payment with the TFS supervisor that I planned to pay on XXXX/XXXX/15. While the were someone polite their collection practice was obnoxious and does n't respect boundaries. If I state that I will call back or they can call back at a better time, that option should be recognized and honored.
Consumer complaint received 2015-03-20
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX XXXX XXXX I took a HELOC with Bank of America XXXX. {$50000.00}. 
XXXX XXXX XXXX I sold house. 
Did not use HELOC {$50000.00} Bank of America closed balance XXXX letter to title co. 
Moved to XXXX with daughter XX/XX/XXXXMet with new rep wealth management Bank of America in XXXX to transfer assets from XXXX chkg and saving accounts to new address with daughter. During that mtg I inquired on using monies from assets advised a penalty but could take a personal loan out using assets, XXXX XXXX took personal loan for {$50000.00}. payments from ckg account $ XXXX % XXXX Was XXXX for months. upon return I was notified a LIEN ON PROPERTY XXXX CALLED BANK IMMEDIATELY TO CORRECT XXXX. 
BofA closed old account changed % XXXX but continue to keep as HELOC and LIEN ON PROPERTY .... FOR PAST 8+ YEARS HAVE TRIED TO CORRECT THIS WITH NO AVAIL IN XXXX BOA FINALLY TOOK OFF LIEN AND NOW STATE IT IS A UNSECURED LOAN WITH INTEREST PAYMENTS FOR 180 months ( 10 YEARS ) I HAVE SEVERAL LETTERS FROM REPRESENATIVES WITH DIFFERENT STORIES ABOUT THIS SITUATION BUT ALWAYS ENDING WITH THE SAME DOCUMENT SIGNED IN XXXX AS BINDING LEGAL DOCUMENT ... EVEN THE CEO OFFICE ADVOCATES COULD NOT GET IT STRAIGHT NO LIEN YES A LIEN NO HELOC YES HELOC PLEASE HELP ME I HAVE EVEN HAD MY XXXX AND PRIMARY DOCTOR WRITE AND ASKED TO RESOLCVE THIS AS IT IS MAKING ME ILL. MY HUSBAND WAS AXXXX YEARS XXXX WHO PASSED IN XXXX XXXX HE SERVED A TOTAL OF XXXX XXXX YEARS FOR OUR COUNTRY HIGHLY DECORATED I HAVE TOLD BANK OF AMERICA MY INTENTION HAS ALWAYS BEEN TO PAY THIS THIS IS NOT MY DISPUTE BUT THE WAY IT HAS BEEN HANDLED NOT TO MENTION THE AMOUNT TO BE PAID THEY CHANGE THE AMOUNT FROM {$430.00} TO $ XXXXNOW THEY SAY I LIED TO THEM I SOLD A HOUSE DID NOT TELL THEM. ALSO THEY CONTINUE TO SEND XXXX FOR WHAT? PLEASE FEEL FREE TO CONTACT ME IF YOU NEED ANY ADDITIONAL INFORMATION. EVERYONE I ASK FOR HELP TELLS ME BANK OF AMERICA IS TOO BIG TO PLAY WITH ... THANK YOU IN ADVANCE FOR YOUR CONSIDERATION IN THIS MATTER ... XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (MA)

they keep calling me to get debt i do not owe. i couldnt understand the women she was talking too fast but she mentioned that the debt belongs to comcast. i do not owe comcast anything and comcast did not contact me about any debt issue.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

I went to the bank to make a loan and become a member, but when they pulled up my report it was showing a fraud victim/ XXXX alert ( and I 've never been in the service ). So the give me the number to Eqifax to make the dispute and take it off, the first time i called they kept putting me on hold and after all that i was told to fax my information and wait 48hours for a respond, after not getting a email i called again only to find they didnt " recieve my fax '' and was told to fax again. I asked how i was supposed to know if they got my fax and was told i had to wait the 48hours then call again ( so far that is already 6 days wasted ). three days later i call and they where able to pull up my fax only to tell me that since I 'm not through them they cant take the fraud off my credit and gave me information to XXXX other credit bureaus. I call XXXX to see if they can help me and was told they are unable to remove the fraud from my credit and was then transfered to another number who told me to file a complaint. This is crazy I 'm just trying to remove a fraud claim and for a week and a half now, have been given the run-around.
Consumer complaint received 2015-04-10
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First Associates Loan Servicing LLC (ID)

Peaks private student loan quit contacting me for a year after bankruptcy now every 3 months I receive an email stating that I owe them money. I have pulled my credit report and it does say discharged due to chapter XXXX bankruptcy. I have advised them of the bankruptcy my attorney information and the will still not quit contacting me
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MO)

My son fell XXXX the dentist insisted we use the Care Card in order for my son to treated originally the cost was XXXX per XXXX but when we returned the cost was the max amount the card had qualified us for. but I tried paying as much as I could a month then I contacted the Card Bank and they agreed to close the account and let me pay off the balance at XXXX a month while making regular payments of an established amount 64.00 $ .Carecard increased payment amount and when they only received 64 $ they added 35 $ fine. They have been adding fee after fee adding it not to the overall balance but to the monthly payment making it very difficult to know exactly how much the payment needs to be and if the amount is not correct they fine you.. so I have been paying on this for quite a few years and they reactivated the account so they could increase the interest and charge more fees. I will pay off the card at the agreed upon amount of XXXX a month the amount should be no more thanXXXXXXXX at this time. However they just keep charging me more. I have contacted several service reps at GE CAPITAL RETAIL BANK/SYNCHRONY BANK
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XX/XX/XXXX I was graciously given a Hamp modification while XXXX XXXX XXXX was serving my loan. My Hamp modification came with XXXX different abilities to earn reduction off my principal balance. The XXXX monthly incentive reduction equaling XXXX a year for 5 years and earned principal forgiveness of a deferred portion of my loan equaling XXXX amounts each year over 3 years in the end reducing the deferred portion at the end of the 3rd year. The first year while still with XXXX the 1st year earned principal forgiveness was completed as I received my year end statement and my monthly statement reflected as such. In XX/XX/XXXX my loan was transferred to Bank Of America and all seemed fine. When the 2nd year came BOA did not apply my 2nd year reduction. I started reaching out, no help. My 3rd year came no reduction, still no help. I I finally got someone due to going to their XXXX page and complaining and they opened a case in their escalation dept. Well still no help, so back to XXXX I go. Tonight I get a call from social media who states now I will get another escalation specialist. This man was kind but did n't even understand the terms of my Hamp Mod. I need someone to intervene here, I have never missed a payment or ever late under my modification which BOA sees and is aware, they just do n't know what they are doing. I need confirmation and in writing that all XXXX earned principal forgiveness portions have been completed and that my monthly incentive for the yearly XXXX had been reduced, and if it was not done, then BOA owes me a credit of the 2 % on the accrued interest portion over the past three years for the XXXX a year. Please make them answer and complete what my agreement states! Also make sure the balance on my credit report is reflecting currectly.
Consumer complaint received 2015-06-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (VA)

The company Asset Acceptance is taking money and threatening me after the statute of limitations has been reached. My account closed with XXXX closed in 2008. These people are still taking money today with no amount ever going to a principal balance. I have paid them over XXXX They have been adding interest to the credit card amount they say I still owe, while taking my money and keeping it in a separate account. When asked to stop or reduce payments, they threaten me by saying I will owe the balance on the original debt. They have been collecting money over the statute of limitations for XXXX years. I would like to know the rights I have for the money I have paid over the past XXXX years.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FIRST ADVANTAGE CORPORATION (FL)

I would like to inform you that XXXX XXXX XXXX went to court and filed a civil suit and got an Abstract Judgment behind my back without sending me any affidavit or letters before and after court. I found out about this judgment on my credit report a few days ago and was shock to find out that the XXXX account that XXXX sued me for is paid and closed since XXXX, 2008, almost XXXX years ago. I never receive any notification about court neither in person nor in writing and they do that deliberately by not advising customers about court case so that way they could fool the judge with their scam and win the case when the case when there are no defendants present and that is fraud filing false civil cases against customers who have a {$0.00} balance on their account. I never take out any revolving accounts once they are closed so any revolving charges are fraudulent and done by someone who has access to my personal information. Please investigate XXXX XXXX because I do not believe they are legitimate or their practices are wrong and misrepresentation. They deliberately file cases behind customers back or not notifying customers about court hearing so they can bribe the judge and win without proof of account transferred to them or they bought it but still never send me a judgment after court either. They are scammers.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

There are errors on my credit report linked to 15 USC 16c-2. The inquiries listed were not sanctioned by me, and this inaccurate information is hurting my credit. Please take down all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been disputing inaccuracies on my credit report related to a XXXX XXXX account ( Account Number : XXXX ) since XX/XX/XXXX. Despite submitting three rounds of disputes to the credit bureau Experian, they have failed to correct these inaccuracies, which include : XXXX XXXX ( XX/XX/XXXX ) : I disputed the account due to an incorrect reporting of my credit limit as {$500.00} instead of the actual {$800.00}. This mistake inflated my credit utilization ratio, negatively affecting my credit score. The dispute was returned as " verified, '' but no correction was made. 
XXXX  XXXX ( XX/XX/XXXX ) : I disputed the incorrect " Date of Last Payment, '' which was reported as XX/XX/XXXX, when the actual last payment was made in XX/XX/XXXX. This error impacts the accurate calculation of delinquency periods. Again, the account was verified without any changes. 
XXXX XXXX ( XX/XX/XXXX ) : I disputed the account status, which was shown as " Charged Off '' despite the account being paid in full through a settlement agreement in XXXX. This critical error has significantly harmed my creditworthiness. Once again, the account was returned as " verified, '' with no corrections made. 
Each time, I requested a procedural investigation, but the credit bureau has consistently returned the account as " verified '' without making the necessary corrections. This ongoing failure to correct inaccuracies has caused significant harm to my credit score and subjected me to undue stress.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a XXXX XXXX XXXX  account with XXXX on XX/XX/year>. I funded it with {$100000.00} on XX/XX/year> and another {$100000.00} on XX/XX/year>. They said that if you keep {$200000.00} in the account then you will receive a {$750.00} bonus. But they only gave {$350.00} saying that I made a withdrawal of {$100.00} on XX/XX/year> so did not qualify. At the time of the withdrawal the account had approximately {$200000.00}. I believe I am owed {$400.00} for the balance of the {$750.00} bonus that I was promised when I signed up as I maintained a balance of above {$200000.00} for over XXXX months after the account was funded.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The payment history for this account is inconsistent, with XXXX and XXXX marking all months as 'CO ' ( Charge-Off ), while Equifax shows a mix of 'OK ' and 'CO ' statuses. This inconsistency in reporting misrepresents my payment history and may negatively impact my credit profile. For accuracy and clarity, I request that this account be removed entirely from my report
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXXXX/XX/XXXX